“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.” -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.
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 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.
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 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 suck. No two ways about it. We all have to deal with insurance companies. I but insurance too. But I call it the way I see it.
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.
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.
Why listen to me
Now let me back up a tad. My name is Bill Turley. I have the largest DBA law firm on the West Coast and one of the top three largest DBA law firms in the world. (It has been suggested to me recently by folks that know about these things that my law firm is now actually one of the top two largest DBA law firms, but since I have been saying the “top three” for so many years, I’ll stick with it for a while longer).
Either way, we represent 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.
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
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.
Don't be a hater
Even though the DBA 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 likeable. 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 to deny claims. It is how they make money. Everyone at the insurance companies are under pressure. It is all about quarterly profits.
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 you 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.
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