My wife, who is typically my worst juror or best devil’s advocate on cases, was appalled to hear about some of my more recent clients and how the insurance company was treating them. She said, "Well you never hear about those type cases in the news or on TV!"
I laughed and then felt overwhelmed with sadness because I realized that is very true and if most people knew or were privy to the things I experience on a daily basis they would:
A) Call the South Carolina Department of Insurance and ask how that is legal for an insurance company to do and then file a claim;
B) Contact their state legislative representative and/or congressional representatives seeking change, reform, or answers;
C) Contact local media organizations (WYFF Channel 4, WSPA Channel 7, FOX CAROLINA) asking them to do an "investigative analysis" to run on prime time; but then and more importantly;
D) They would forget all about it and move on to another issue or concern because we are a fickle public almost immune to shocking news of being swindled out of our morality, justice, and legal rights.
Yet, I continue to see it every day and when I report it to the SC Department of Insurance I am crying wolf. When I blog about it or talk to friends, family, enemies, or strangers about it, they discount my opinion due to the obvious bias of my position as an advocate for the injured, harmed, and disenfranchised.
However, once an attorney gets wind or retains a client with one of "those cases" most times they are settled with the insurance company paying all the money available on the claim. However, that doesn’t mean the insurance company pays lots of money QUICKLY. Or in return doesn’t try to divert the injured party away from sound advice that is on their side versus working against them. (See my article entitled: Would You Take Advice from the Devil on How to Get to Heaven?: Insurance Company Lies). Insurance companies make money by keeping it out of the injured party’s hand as long as they can while still investing the premiums their insureds pay them to protect against harms they cause others. (See my article entitled: How Do Insurance Companies Make Money?)
In all of the cases the injured party was being ignored, getting the silent treatment, or being talked down to like they were money hungry panhandlers looking for a handout from Big Daddy. When in fact the people that the insurance company insured were:
1) drunk driving behind the wheel and could have harmed anyone reading this;
2) were high on drugs with stolen merchandise in their trunk trying to get out of state before the police caught up with them and could have harmed anyone reading this;
3) traveling 20 mph or more over the speed limit through a busy intersection trying to get to their plane for a vacation to some tropical paradise and could have harmed anyone reading this;
4) had just left the strip club drunk and ran through a stop sign striking a client working their second job to provide for a family and could have…….
I know, I know bad things happen and you just have to deal with it. Well, that is true but insurance (health and auto now) is mandated by state and federal laws so everyone has to have some form of it. Thus, when insurance companies come into pay and should be reimbursing the injured party for the wrongs, harms, loses, and injuries their insured has caused another innocent party that s*&& doesn’t always work the way it is suppose to. Insurance companies deny, delay, and defend money from injured parties. Wake the f*& up people. WTFU!
Why do you think I am in that trial in front of a jury? It’s not to take money from that poor person that just had an accident and I am trying to take their home. Or some business made a simple mistake and I am trying to close down someone’s American Dream. Really!? It’s to get that person’s insurance company to pay a reasonable amount to my client.
If you have "one of those cases" give us a call and at least run it by someone first before you walk like a cow to slaughter down that line to sign a check for little bit over your out of pocket medical bills thinking that is all you are entitled to because that is what the insurance adjuster told you. When you do that you are forever and ever releasing the insurance company from any wrongs their insured caused you for the rest of your life. If nothing else remember this, "It’s not what the insurance adjuster says that matters, it’s what they pay."
Give us a call at 1-800-483-0880 or 864-231-7171 and visit us online at Trammell & Mills Law Firm, LLC or I85lawyers.com.