“When I seek out professional advice, I don’t want B.S. I want it straight up, with no double talk. I figure you do also. I always use plain English, with no sugarcoating, no B.S. lawyer talk, and no double talk-just old fashioned, unsweetened, unvarnished truth-just the way that I would want it.” -Bill Turley
My Best Advice
Nothing is more important when handling your Defense Base Act case, then speaking the truth. People who believe if they sugar coat their case, it will help them win their case. Wrong.
You have to be up-front, honest, and truthful to your attorney and the judge. If a judge suspects your not telling the truth, you can say goodbye to your case. Count on it. I have seen it time and time again.
My Second Best Advice
Take the time to research your case. The more homework you do, the better your case. Order my Free book, Win Your Defense Base Act Case: The Ultimate Straight Talk Roadmap To The Medical Treatment and Money You and Your Family Deserve. It is full of useful information when it comes to your injury and the Defense Base Act System.
And before you do, check out the Amazon Reviews. It will be the best thing on helping you take the necessary steps to win your Defense Base Act Case.
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According to their website, Starr Indemnity & Liability Company is one of the largest and fastest-growing insurance companies in the world. Based on what I am seeing in the Defense Base Act world for overseas private contractors, I believe it. More on this later.
No B.S., No Lawyer double-talk
Many of you know that my law firm is the biggest DBA law firm on the west coast that represents overseas civilian contractors. According to industry insiders we are one of the top two or three largest DBA law firms in the world. I talk to seriously injured contractors every day. The opinions expressed in this article, are just that - my opinions. However, they are based on what I am seeing. And I see a lot.
I am sure that the folks at Starr Indemnity and/or Gallagher Bassett won’t be too happy when they read this article. But if you know anything about me, you know that I am known as being straight forward and blunt. In other words if you want smoke blown up your skirt, then I am not the right fit for you. But if you want to hear no B.S., no double-talk - then pull up a chair.
Using Gallagher Bassett to Deny Claims
Starr works with Gallagher Bassett as a partner “to facilitate a timely response to each incident. Starr’s own claims account executives also monitor the claim process from start to resolution...”
This is code for Starr uses Gallagher Bassett to timely deny claims. It is all about plausible deniability for DBA insurance companies. I would say that it is no different with Starr, but that wouldn’t be entirely accurate.
Deny, Deny, Deny
Starr is a relatively new player in Defense Base Act insurance. From what I see, Starr is about where the big players were 6-8 years ago. The mentality is to deny claims and then play hardball. The big players figured out that this strategy is going to cost them a lot of money in the long run. They figured out that trying to settle claims was cheaper in the long run than fighting a ton of claims and running up huge claims defense monies for adjusters, doctors, lawyers and the like and then still facing substantial exposure.
Starr hasn’t seemed to have gotten there yet. Not hardly. They are in the typical early stages of DBA claims management. That is, deny legitimate claims and then play hardball all the way.
According to a recent article, Starr claims they “[O]ffer a strong overlay of claims services and coverage.” Based on what I see, the “strong overlay of claims services” is to deny claims.
Am I saying that Starr/ Gallagher Bassett deny all legitimate claims? Of course not. But what I am saying is that I see claims being denied left and right that are brought by straight-up folks with legitimate injuries.
Starr Indemnity - a growing company
According to the U.S. Department of Labor (and based on what I have seen in the real world) - in the last year - Starr was the third in number of DBA claims. Starr wasn’t even in the DBA coverage business until 2013 when Starr debuted at number six.
One thing is for certain, Starr is writing more and more DBA coverage. We expect to see them more and more.
It seems that they think they are going to make a lot of money writing Defense Base Act coverage. You know how insurance companies make money? Collecting insurance premiums and denying claims. Same as it ever was.
An inconvenient truth - get ready for the long-haul
The biggest problem with the DBA is that the insurance companies can deny your claim and it can take years to get your weekly disability benefits and/or medical treatment. They just slap out a LS-207,Notice of Controversion and cut off your benefits willy nilly.
Not to suggest that we don’t get folks their benefits fairly quickly on some occasions where we gather the necessary evidence needed to process the claim. That happens.
But what also happens is that the DBA insurance companies like Starr can take a hardball stance and then you might have to wait years to get your benefits. It happens. If you want fairy princess tales and be told pretty bed time stories, you aren’t going to get that here.
Instead, you need to hope for the best - but plan for the worst. You don’t want to be forced to settle your case for some chump change offer because you are desperate. That means that if you are receiving benefits, you should be squirreling money away for that day when you get cut off.
And if you aren’t getting benefits you need to be getting ready for the long-haul.
This is all especially true with Starr.
There is bad stuff out there that can hurt you
The good thing about the Internet is also the bad thing about the Internet. You can easily find lawyers on the Internet that are going to tell you that none of this is true. They are going to make promises to you, that they can’t deliver. My strong suggestion is that you ask them how many DBA cases they have handled.
Instead, I strongly suggest that you get a free copy of my book - Win Your Defense Base Act Case. Before you talk to the adjuster, sign any forms that will wreck your case or even hire a lawyer. You and your family deserve to hear the truth first. Before you make a move that you will only regret later.