“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
Make no mistake: the minute you suffered a Defense Base Act injury, you entered into a battle with your employer’s insurance company. At some point, you’re going to be asked to speak with a claims adjuster—and if you do not have an attorney, you’re going to have to deal with the adjuster on your own.
My Best Advice
Nothing is more important when handling your case, then speaking the truth. People who believe if they sugar coat their case, it will help them win more money. 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.
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.
How to Win the War With a DBA Insurance Agent
Every insurance adjuster deals with hundreds or thousands of claims, sometimes twenty or more per day. The adjuster’s job is to deny your benefits, saving the insurance company money. If they paid out on every claim, they’d soon be out of a job. The best way for you to get your benefits approved is to not to give the insurance adjuster a reason to deny your claim—even small technicalities can be grounds for denial.
These tips can help you know what to do (and what not to do) when dealing with a DBA insurance representative:
- Be civil. No matter how frustrated you are at the claims process, it will never help your case to take it out on the DBA insurance adjuster. A bad attitude can set the adjuster against you and also spur you to say things that are hostile or untrue. Be polite, and stay calm.
- Be careful what you say. Always tell the truth when talking to an adjuster. Lying on any fact you know to be true will get your claim denied. Your call will likely be recorded, and anything you say can be used in court, so keep your answers brief and honest. The more you say, the likelier it is that your words can be misconstrued. If an adjuster phrases a question in a way that is confusing, ask him to clarify. Make sure you have copies of the incident report and doctor’s notes in front of you to answer questions about dates and times of your injury.
- Beware of friendly adjusters. Some adjusters are bullies, but others take a different tack, acting friendly and helpful to claimants. Don’t be fooled; a nice insurance company adjuster can be even more trouble than an aggressive one. A friendly adjuster is more likely to loosen you up, making you more talkative and giving away answers that can be used to deny your claim. No matter how helpful adjusters may seem, their job is not to help you—it is to gather evidence against you. Avoid talking at length, and stick to yes or no questions.
- Decline giving a statement. Even if your call is recorded, you may still be asked to give a brief statement before your claim can be processed. This is not true. Victims do not have to give written or recorded statement in order to receive DBA benefits. If you are asked, always decline.
- Avoid signing documents. There will be many different documents included in your claim, such as medical reports, work authorizations, work restrictions, medical releases, and various insurance documents. You should not have to sign any of them. Signing a document could kill your claim before it has even begun, so never put your signature on anything without an attorney’s approval.
If a DBA adjuster has told you that your claim cannot move forward without a statement or signed authorization, you should ask him or her to provide that direction in writing. Then, you should find the best DBA lawyer you can to take on the insurance company. To learn more about filing a successful claim, order our free guide, Win Your Defense Base Act Case.
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