Broadspire & Allied World Defense Base Act - A DBA Insurance Bad Marriage
Those of you that know me realize I am all about no B.S. That is, I tell unadulterated, unsweetened, unvarnished truth. If you want smoke blown up your skirt, then I suggest you move on.
If you want someone to tell you what you need to hear, rather than what you might want to hear, then pull up a chair and stay awhile. Because, I don’t pull punches.
If you follow this website, you realize that my law firm is one of the two largest Defense Base Act law firms in the world that represents overseas civilian contractors. We are the largest DBA law firm on the west coast. Our main office is in San Diego. Right by the Miramar Marine Base. We represent folks just like you that live across America and around the world.
Defense Base Act Lawyer - Bill Turley
This is the voice of experience talkin’. What I am trying to say is, this isn’t my first rodeo.
This article is about Broadspire & Allied World Defense Base Act - a DBA insurance company marriage of sorts. But before I get to that, I am going to give you my best advice. It’s free, but it’s the best advice you are going to hear. Period. So listen up.
Winning your case with the truth
Nothing is more important than your credibility. If the Judge in your case thinks you have lied - about anything - then you will lose. Depend on it. I know I do.
Because of this (and telling the truth is also the right thing to do and it always feels better); you have to tell the truth. About everything.
The harder it is to tell the truth (often times the truth can be pretty ugly); the more important it is that you tell the truth. Seriously, you have to win your case with the truth.
I know some folks either don’t want to tell the truth or are afraid the truth will lose their case. You have to be willing to trust your lawyer with the truth. If you don’t, you and your lawyer will lose.
Hire some other attorney
So, if you aren’t willing to win your case with the truth, you should hire another lawyer. Look on the Internet. There are dozens of attorneys that call themselves “DBA attorneys.” They aren’t players, so to speak. But you will surely find one that will look the other way when you lie. Just don’t call us. Seriously.
Not to get off on some tangent, but 95% of the attorneys that call themselves “Defense Base Act attorneys” on the Internet are really “door lawyers.” Meaning, they will take whatever case comes in the door. Dog bite, car accident, divorce, slip and fall, whatever. In other words they don’t specialize in DBA cases. It is a whole lot easier to slap up a fancy website that it is to walk the walk. It really is buyer beware on the Internet. Be careful.
Every week we get a call from someone whose DBA case is on the ropes, so to speak, because they hired the wrong lawyer. Sometimes we can fix it. Sometimes we can’t. Again, be careful.
Because we have represented hundreds, if not thousands, of overseas civilian contractors over the years - we know the DBA. It’s why we know about Broadspire and Allied World.
Broadspire & Allied World Defense Base Act Insurance Companies
We have cases with all of the Defense Base Act insurance carriers - including Allied World Insurance (aka AWAC) and Broadspire. Broadspire is a Crawford Company.
Allied World (AWAC) partnered with Broadspire to handle Defense Base Act claims. A DBA marriage of sorts.
I would like to tell you that it’s all good. But, of course, I can’t. If you want to know more about AWAC, check out this article. A quick overview is that AWAC is the new kid on the block and they are trying to “lower the bar” on DBA case evaluations/ settlements. Meaning, they don’t want to pay fair DBA settlements in many, if not most, cases. Which is where you come in.
The long haul
The problem here is that you have to be ready for what I call “the long haul.” That is, ready to take your case to trial, win and wait for the Decision and Order. I wish this whole process took weeks. Or even months. But we are talking well over a year. Sometimes more.
So this is what I mean by “the long haul.” You have to be ready financially to make it without DBA benefits for well over a year. So, stop spending money. Start saving for this rainy day. Today.
I know this isn’t what most of you want to hear. I got that. But would you rather me be honest about it or blow smoke?
Not to suggest that this is going to happen to everyone. But it happens enough that you have to be ready.
Problem is, that you don’t know if it is going to happen to you. This is one of the main reasons why I wrote Win Your Defense Base Act Case. First, so you can avoid the mistakes that result in your DBA benefits getting cut off. Second, so if you do have to take your case to trial, you put yourself in the best possible position to win.
I like winning
Fact is, I hate losing. Anything. Especially client’s cases. So I wrote the book Win Your Defense Base Act Case to help prevent my clients from losing. Click here to check out the dozens of 5 STAR reviews on amazon.com.
The second best advice I can give you is to get a free copy of my book before you make a mistake that will either lose your case or cause the DBA insurance company to cut off your benefits (more on this later). You need to read my book before you sign any forms, talk to the Broadspire adjuster, give a statement (never do this) or even ire the wrong DBA lawyer.
Broadspire adjusters are trained to deny DBA claims
Here is some more truth. Broadspire trains their DBA insurance adjusters to deny claims. They are always looking for reasons to deny your DBA claim. That is why I strongly recommend that you don’t talk to the Broadspire Defense Base Act adjuster.
You might think, “I’m telling the truth, I have a legitimate claim, I’m ok to talk the Broadspire adjuster.” Not so. Whether you have “legitimate claim” or not, doesn’t really matter.
When you fall for one of their tricks or traps, you just got cut off. Your claim just got cut off. Here comes the LS-207, Notice of Controversion. Happens all the time.
Know this - the Broadspire adjuster is not your friend. They are the enemy. Thinking anything different will usually cost you hundreds of thousands of dollars. Otherwise, you just screwed up. Big time.
You can be bitter or get better
I heard an expression the other day. “You can get better or be bitter, but you can’t be both.”
First, I will regress. Even though the Broadspire adjuster is not your friend doesn’t give you license to be rude or mean. My Mom said, “You catch more flies with honey, than vinegar.” Yours might have also. It’s true.
You must be polite and nice to the Broadspire adjuster. But don’t be all gabby and make small talk. It isn’t small talk to them. It’s business. Otherwise, you may just fall prey to one of their patented tricks or traps. Happens all the time.
Which brings me back to being bitter or better. If you are bitter, then they own you. Do you want to be owned by your anger? Not good.
If you are going to get better, than you have to get over your bitterness (read: anger).
The Broadspire adjuster is doing their job. They are doing what they were trained to do. You might not like their job, but being all ticked off at the Broadspire adjuster isn’t helpful.
They are the enemy, to be sure. But, don’t be owned by your enemy.
Move on. Just because they are making your life hell, doesn’t mean you have to be angry.
So don’t be owned by it. Don’t be bitter. When you start to move on, you can get better.
Broadspire/AWAC Defense Base Act insurance adjusters
Here are some of the Broadspire adjusters that we deal with.
Felicia M. Yates
Terry L. Henderson
I know we probably have cases with other Broadspire adjusters, but these come to mind easily.
One last word - it’s usually not a matter of if, but when
It’s usually not a matter of “if” your DBA benefits are going to be cut off. It’s usually a matter of “when.” So you have a choice. Suck it up and get ready to hunker down for the long haul (see above). Or try and settle your case before your benefits get cut off.
It’s up to you. But forewarned is forearmed. Be ready.
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