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Dirty Little Secrets of Personal Injury Claims: What Insurance Companies Don't Want You to Know; and What Attorneys Won't Tell You, About Handling Your Own Claim

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Dirty Little Secrets of Personal Injury Claims: What Insurance Companies Don't Want You to Know; and What Attorneys Won't Tell You, About Handling Your Own Claim

4.85 55,685 ratings · 1,138 reviews
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Overview: This instructional guide has been designed to aid a person in pursuing their own rights and recovery against an insurance carrier, workman's compensation or third party administrator or a self-insured entity, and to do so completely successfully. Many people do NOT wish to give away 1/3 to 1/2 of their overall settlement to attorneys, when they realize that many attorneys are acting as essentially "insurance adjusters" for the entire front half of their respective claims (where most settle). Only IF and WHEN a matter actually proceeds to litigation do they feel they need to spend the extra money on an attorney. The reality is, many people can, and hundreds of thousands every year DO, handle their own injury claims. This instructional guide is designed to help these people navigate this process and to do so recovering and KEEPING as much of their settlement as possible. As is indicated in the guide, being completely successful at personal injury claims is as much what one does, as what one DOES NOT do (analogous to "stepping on land mines"). This guide delves deeply into both, helping to instruct WHAT to do, and just as importantly, what NOT TO DO! Further, virtually NO "legal help" books out there (and frankly, very few attorneys) delve into a VERY IMPORTANT [actually, CRITICAL] part of the claim; that of the "back end" of the claim. Whereas the "front end" of the claim can be considered where the claim is put together and successfully negotiated with an insurance company (and many people stop there, including attorneys) -- this is only HALF of the process. The "back end" is an absolutely missed potential for economic benefit by both attorneys and lay people; as just as important as it is to OBTAIN money from an insurance company; it is EQUALLY important to retain and hang on to as much of that money as possible. Personal injury claims by their very nature have extensive medical COSTS! This eats up much (some times the greatest majority) of a settlement. This instructional guide shows not only where and HOW to negotiate medical billings, but importantly, HOW TO STRUCTURE insurance or a lien in a way MOST advantageous to you. This gives vital information on how to structure medical insurance, medical payments coverage on auto or other policies, in such a way as to maximize what you keep from your recovery. Just as importantly, this guide delves into the vital area of SUBROGATION; a likewise often ignored [many people do not even REALIZE that they will owe repayment to certain insurance companies when settling from other, third party carriers] an underutilized area and strategy to put MORE MONEY IN YOUR POCKET from your insurance settlement. This instructional guide covers virtually every facet of dealing with an insurance company, from the overall strategy in handling the claim, to helping compel a settlement from reluctant or resistant insurance adjusters and managers. There are techniques for involving the management; WHY AND WHEN you would want to do this, to help you avoid years long litigation and get your SETTLEMENT MONEY NOW! Further, this guide goes into insurance company defenses and "hot buttons" which cause your claim to be scrutinized more closely. This discusses how insurance companies EVALUATE claims, their use of the COLOSSAL claim evaluating software, their big push against M.I.S.T. claims (minor impact claims) and how they force nearly ALL of these into litigation -- as well as ways to avoid this. This guide is simply a WEALTH of information, gleaned from decades in the business and now can be YOURS for your use in a claim. Frankly, this is EXCELLENT reference material for ANY PERSON as it gives priceless information to help when and if you or a loved one is involved in an injury case.

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Book details & editions

ISBN
22568944
Publisher
BookBaby
Publication date
April 22, 2014
Language
Eng
Pages
265 pages
Reading Options
PDF · EPUB · Mobi
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After spending years working in the corporate world, Terry Ann Lato finally decided to pursue a lifelong passion for writing. They currently reside in a quiet suburb where they spend most of their time outlining new stories, reading extensively, and occasionally attempting to bake.

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Exceeded all my expectations. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
James Perez
James Perez October 21, 2024
I find myself somewhat conflicted. It verged on repetitive in the second act. A more concise edit would have served it well. Perhaps more aligned with a different audience's tastes.
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Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author.
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Sarah Smith May 20, 2025
I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend.
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Jennifer Mitchell March 24, 2024
Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. A wonderful companion for a quiet weekend.
Elizabeth Harris
Elizabeth Harris November 06, 2024
Took a moment to build, but the payoff was spectacular. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend.
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I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
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I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers.
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Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A wonderful companion for a quiet weekend.
Christopher Martinez
Christopher Martinez December 16, 2024
Took a moment to build, but the payoff was spectacular. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers.
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A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
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Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
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Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Anthony Hall
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Masterpiece from start to finish. The prose is exquisite. It’s accessible yet undeniably sophisticated. I am now a lifelong fan of this author.
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Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
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A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
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Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
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A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Nicholas Harris
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A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
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Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece.
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I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem.
Elizabeth Phillips
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Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
Ashley Wright
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I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading.
Jacob Diaz
Jacob Diaz March 02, 2025
Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Sandra Ramirez
Sandra Ramirez November 12, 2025
I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
Dorothy Thompson
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Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading.
Brian Jones
Brian Jones May 01, 2025
A very strong entry. The protagonist was compelling, though some subplots felt slightly overshadowed. A wonderful companion for a quiet weekend.
Thomas Sanchez
Thomas Sanchez March 06, 2024
Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers.
Rebecca Thomas
Rebecca Thomas October 20, 2024
I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Michelle Williams
Michelle Williams November 19, 2024
Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
Andrew King
Andrew King December 03, 2025
Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Gary Cruz
Gary Cruz February 19, 2024
A highly sophisticated read. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Kimberly Anderson
Kimberly Anderson July 27, 2025
Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading.
George Torres
George Torres October 01, 2024
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel.
George Baker
George Baker June 16, 2025
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
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Lisa Green December 16, 2025
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Laura Clark
Laura Clark August 21, 2025
Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A wonderful companion for a quiet weekend.
Edward Jackson
Edward Jackson May 07, 2025
Such a rich narrative. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars.
George White
George White September 27, 2024
Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
Lisa Lee
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I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars.
Anthony Rivera
Anthony Rivera March 07, 2025
Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Amanda Robinson
Amanda Robinson November 30, 2024
Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. A wonderful companion for a quiet weekend.
Deborah Torres
Deborah Torres December 05, 2024
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading.
Thomas Hill
Thomas Hill March 09, 2024
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel.
William Johnson
William Johnson December 10, 2025
Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Deborah Torres
Deborah Torres March 24, 2024
A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
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Joshua King August 01, 2025
Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
Brian Rodriguez
Brian Rodriguez September 22, 2025
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Patricia Gonzalez
Patricia Gonzalez September 26, 2025
It was adequate. Certain acts were fascinating, while others felt like a slight endeavor to complete. Suitable if your reading queue is empty.
Daniel Williams
Daniel Williams May 08, 2024
A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Dorothy Johnson
Dorothy Johnson August 06, 2025
I find myself somewhat conflicted. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. A fair 3 stars.
Cynthia Turner
Cynthia Turner August 15, 2024
Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
Gary Taylor
Gary Taylor March 15, 2024
Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Sandra Turner
Sandra Turner July 20, 2024
Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Anthony Perez
Anthony Perez July 01, 2024
Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
Jennifer Thomas
Jennifer Thomas July 15, 2025
Excellent, though slightly flawed. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
Ryan White
Ryan White September 01, 2024
Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Jessica Roberts
Jessica Roberts November 27, 2025
Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An effortless 5 stars.
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