Updated January 22, 2019
If you have a Defense Base Act case with ACE/ ESIS - I suggest that you read this "MUST READ" article.
“When I seek out professional advice, I don’t want B.S. I want it straight up, with no double talk. I figure 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.” -
Defense Base Act Lawyer Bill Turley
My Best Advice
Nothing is more important when handling your Defense Base Act case, then telling the truth. If the Judge doesn't believe you, you will lose.
You have to be up-front, honest, and truthful about everything. The more painful it is, the more important it is that you be honest about it. If your judge suspects your not telling the truth, you won't win your case. It really is that simple.
My Second Best Advice
The DBA insurance company has tricks and traps that they lay for honest, well meaning seriously injured overseas civilian contractors, just like you. My book - Win Your Defense Base Act Case is packed with insider information. It is insider baseball, so to speak. I strongly suggest that you read my book BEFORE you sign any forms, give a statement, or even hire the wrong lawyer.
If you think you have to do any of these things right away: talk to the DBA insurance adjuster sign a form from the DBA insurance company (don't do it), give a statement, or even hire a DBA attorney - - I urge you to first get a copy of my book and read it first. Seriously. My book helps you understand the issues and problems associated with all of these events. If you think you need to do any of these things right away, you can get a copy of my book by tomorrow.
If you call my office right now at 619-234-2833 and we will UPS you a free copy of my book. It really is that important. You don't want to make one of these case ending mistakes, when you can avoid them by reading my book.
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.
Check out the dozens and dozens of 5 Star Amazon Reviews. It will be the best thing on helping you take the necessary steps to win your Defense Base Act Case.
Background on Ace/ ESIS
I may be going deeper on this, than you might want to go. But one of the truisms that I have always believed is: "FOLLOW THE MONEY." Let's take a look at the money here. But first, we need to go through a few rabbit holes to get to the money, so to speak.
According to their website:
"ESIS is a leading global provider of Third Party Administration (TPA) and risk management services offering one of the industry's broadest selections of risk management solutions.... We are a wholly owned subsidiary of Chubb.... Although ESIS’ business operates independently from Chubb, we are backed by the financial strength of this global organization."
Chubb has a Defense Base Act webpage, that states:
"Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates.
Chubb Limited, the parent company of Chubb, is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index."
ACE in the DBA insurance company and ESIS is doing the administration of the claims.
ESIS being the "Third Part Administrator" means ESIS handles the DBA claims, such as your DBA case. In addition, CHUB/ ESIS provides "risk management solutions" / underwriting.
Let's talk about the underwriting and following the money
According to Investopedia:
Insurance underwriters are professionals who evaluate and analyze the risks of insuring people and assets and establish pricing for accepted insurable risks. Underwriters help price life insurance, health insurance, commercial liability insurance, homeowners insurance, et al. Underwriters use computer programs and actuarial data to determine the likelihood and magnitude of claim payouts over the life of the policy. Evaluating an insurer's risk before the policy period and at renewal is a vital function of an underwriter.
So this tells us a few things. First, ESIS is not only providing the administration of the DBA claims, but Chubb is providing the underwriting and perhaps, even sharing in the insurance coverage. Either way Chubb is doing the analysis of the risk and the pricing on the front end and then, through it's Third Party Administrator is also handling the claims (read: helping to actual control the risk) on the backend.
I will get to more on this in a moment.
ACE ESIS Defense Base Act - Civilian Contractor Rip-Off Report
I learned long ago that folks won’t listen to you until they first know you (I tell more about myself later on this webpage). I am going break this rule a tad because I am going to first tell you about ACE / ESIS Insurance company before I tell you about me.
The first thing that is obvious about ACE/ ESIS is that they are insurance companies. Insurance companies stink. No two ways about it.
But I call it the way I see it.
We all have to deal with insurance companies.
ESIS, Inc. is a Defense Base Act insurance company owned by the ACE Group of Companies. In my mind, ACE is ESIS and ESIS is ACE. At least in the big picture of things, related to their DBA insurance adjusting. Meaning, how they deal with you and your case.
What you are going to find out is that you are not going to get what you or I might consider anything close to a fair settlement for your DBA case from ACE/ ESIS. I would like to tell you different, but I can’t.
Not to suggest that other DBA insurance companies are the model of fairness. But it is my take that ACE/ ESIS are about as tough as they come. Meaning based on what I see, they deny a ton of legitimate claims and then make exceedingly poor settlement offers when they do get around to finally making settlement offers. And it also appears that they actually want to have this type of reputation. Or so it seems to me. And I've been doing this a long time.
Back to the money
It certainly appears to me - and this is solely my opinion here - that it is this Third Party Administrator combination with the underwriting by Chubb/ ESIS that results in this tough - we're going to deny claims and make low-ball settlement offers.
You have a choice
You certainly don't have to accept ACE/ ESIS settlement offer. You would rarely accept a first or even a second offer anyway.
You need to weigh all the factors of settling your DBA claim, no matter who the insurance carrier. You need to do that with ACE/ ESIS also.
It all depends on the facts and circumstances of your case. But, you have a choice. You can always take your case to trial. Not to suggest that you should do that, because you need to weigh all the pro and con factors before making a decision. But you do have a choice. Just saying.
Don't be a hater
Even if the ACE/ ESIS insurance adjuster is screwing your life up, you can't be mean to the adjuster. You have to be nice and polite, no matter what. The adjuster is sizing you up. One of the factors that they use to decide how much money to offer you is whether or not you are likable. Seriously.
Because they know if the Judge likes you (and believes you); you have a much better chance of prevailing in your case. And as my Mom said, "You catch more flies with honey than vinegar."
You need to also realize that there is tremendous pressure on everyone that works at insurance companies (and at ACE/ ESIS) to deny claims. It is how all insurance companies make money. Everyone at ACE / ESIS is probably under pressure. It is all about quarterly profits at all insurance companies.
Hating them means they own you
That's not a good place to be. I also like to try and see the good in people. Even if they are on the opposite side of a case than I am on. I realize that this is difficult to do when someone seems to be making you and your family's like difficult.
My take is that if you spoke to them confidentially they would tell you that they don't like anything about the system they are caught up in. They have mortgages and families also. Even though they may be screwing up your life, you can't attack them personally.
You need to move past all of this. Your focus has to be on what it takes to win your case.
Don't be spending your energy on hating. Instead, spend your energy on winning.
You should start with my book. My firm can't accept everyone's case. But I give away the book so I can help as many folks as possible.
You have a choice
Why listen to me
Now let me back up a tad. My name is Bill Turley. I have had the largest DBA law firm on the West Coast and one of the top three largest DBA law firms in the world.
Either way, I have represented a whole lot of seriously injured overseas civilian contractors. And we have had a lot of claims against ACE/ ESIS. So what I am telling you is based upon what I see. In other words based upon my experience as a DBA lawyer. I wrote the book Win Your Defense Base Act Case. I have been awarded a lot of lawyer awards by folks that know good lawyers from bad lawyers. I am not saying this to brag, but to let you know where I am coming from and let you be the judge as to how much weight you give my take.
Here are some samples of the 5 Star reviews of the book Win Your Defense Base Act Case on amazon.com:
5.0 out of 5 stars
Your DBA Case could not be in better hands. Get this Book!
May 3, 2016
Wavie Rodgers, SSGB
5.0 out of 5 stars
I will recommend this book wholehearted to any one who is looking ...
July 10, 2016
This book is a must read! Mr. Turley has shared professional experiences, predications and the lack of interest the big insurance companies have for injured workers. The book is laid out in a way that you do not require a law degree to understand it. He "truly" wrote the book to educate overseas workers who have been injured while supporting the War Fighter. I will recommend this book wholehearted to any one who is looking to understand the difficulties and uncertainties of working with the insurance companies and it's representatives. And discovering the importance of having the right legal representation... Thank you for helping me! It's life changing for me and my family.
5.0 out of 5 stars
A must read for overseas contractors
July 30, 2015
I suggest that you go to amazon.com and take the time to read the reviews. There are literally dozens and dozens of 5 Star reviews from folks just like you.
DBA Lawyer Straight Talk
I am known for being straight-up and blunt. If you want smoke blown up your skirt, then I am not the right DBA lawyer for you and your case. But if you want a frank, honest assessment, then we might have something to talk about.
I am not going to tell you what you want to hear just so you hire me. A week or so ago I was talking to a guy that said he had been told by some lawyer that he found on the Internet that he was going to be able to get him a good settlement from ACE for his DBA case and that is why he should hire this Internet lawyer.
I told him that the other lawyer was B.S.ing him. I told him that he should hire the other lawyer if that is what he really believed. The point here is you really need to shop around. If someone tells you that they are going to be able to sprinkle magic pixie dust and turn frogs into princesses - I suggest that you run. Fast.
The guy wisely waited until he read my book and called me back and hired my firm.
What else you should know about me is that my mantra is that you have to be willing to win your case with the truth. Check out the video on this page to find out more about why it is so important to tell the truth when you bring a DBA claim.
The Bottom Line with ACE/ ESIS
So here is the deal. If you have ACE / ESIS as the DBA insurance company on your case, you have to be ready for the long haul. Meaning, for you to get full value for your case you need to ready and willing to take your case to trial. And you have to guard your credibility with a vengeance because you have to really be thinking from the git-go that your DBA case IS going to trial.
You need to plan for the long haul. If, or more likely when, ACE/ ESIS cut off your DBA benefits, you need to have a Plan B. There are hundreds of thousands of dollars at stake. Sure, I know that some cases have issues and need to be settled. But you don’t want to settle your case for hundreds of thousands of dollars less than what it is worth because you are in dire economic straits.
I always say forewarned is forearmed. This is your RIPOFF REPORT concerning ACE/ ESIS. Ignore it at your peril. And if you bought the BS, just be sure to call my office well before your case is really screwed up and well in advance of your trial. Don’t be surprised if the magic pixie dust is really cow fertilizer.
ESIS/ ACE does not want you to read my book
The absolute last thing the adjusters and suits at ESIS/ ACE want you to do is read my 5 Star reviewed book - Win your Defense Base Act Case. How do I know? They have privately told me this.
I strongly suggest that you get your free copy of my book - Win Your Defense Base Act Case
Don't believe me
Hey, I'm not asking you to believe me. Go to amazon.com and check out all the 5 Star reviews of my book. After you read it, I ask that you leave a review also and "pass it on."
Read the dozens of 5 Star amazon.com reviews here.
Who are some of the insurance adjusters at ACE?
The ACE adjuster we seem to see the most is Claire Harder. But we also have claims with Robert Juristo, Brian Gibaldi and Sarah Ziegler. Just remember, everything you say to the adjuster can and will be used against you in court. So be nice, polite, and don't be all gabby when you talk to them. My advice is to have your attorney be the one that talks with them.
I suggest that you check out this article: Avoiding the Five Worst Mistakes That Destroy Defense Base Act Cases