Insurance companies count on your ignorance to make a profit.
Insurance companies know that bringing a lawyer into a case will force them to pay more
In its assessment of Allstate*s claims handling procedures, the McKenzie Group concluded that individuals who retain an attorney increase costs and claims at a rate of three times more than when a claim is settled without an attorney involved. To combat this increase in claims, Allstate and the other *big four* insurance carriers encourage adjusters to attempt to settle claims before even conducting any significant investigation. Insurance companies actually provide a script for adjusters to read to claimants when the topic of a lawyer comes up. Previous scripts have gone so far as to encourage claims adjusters to create a *friendly* relationship with claimants. If you have ever felt as though the insurance adjuster was a bit phony during your conversation, you were right. Remember one thing: Time is on your side. You do not have to file a claim so long as it is within Montana*s three-year statute of limitation.
Although not every claim requires an attorney, we believe that every claimant benefits from being informed. Visit the library section of our website to find guides, videos, reports, and other educational material that will help you better understand the process insurance companies use in their efforts to settle your claim for an unreasonably low amount of money. Check out the Foust Law Office Facebook page to find videos that answer common quick questions. The less you know, the more likely you are to end up with an unsatisfactory settlement.
Out of state insurance companies are only interested in settling your case fast and on the cheap.
In Montana, we protect our own. Much to the chagrin of these out of state insurance companies, Montana law protects people from being leveraged or forced into a settlement. Insurance carriers have the upper hand. They have the money, the lawyers, and doctors all in their pocket. I will share a little secret with you that your insurance company would rather you not know:
When liability is reasonably clear, an automobile insurance carrier must pay all reasonable medical bills related to the injuries sustained in an automobile collision. Insurance carriers must pay these bills without asking for a release when the following criteria are met:
* Liability must be reasonably clear. This means that the insurance company*s policy holder must be clearly negligent.
* Medical bills must be directly related to injuries sustained in the automobile collision.
* The cost associated with the medical treatment must be reasonable in nature.
You are in absolutely no rush to settle your claim whiel the insurance carrier continues to pay your medical bills on time. Montana law is clear that an insurance company is required to pay these medical bills before you settle your case.
Here is another secret:
Automobile insurance companies must also pay for lost wages when liability is reasonably clear. As with medical bills, the insurance company must pay a reasonable amount of lost wages until the injured party is released to return to work. To receive for prepayment of medical bills you must meet the same criteria applied to lost wages. A claimant must also establish an anticipated wage. You do not have to settle on the insurance company*s time table.
To find additional information about how to protect you and your family from the insurance carrier, visit our website www.lucasfoustlaw.com where you can find a library with guides, reports, and videos that answer many of the questions you may have.
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