Herrman & Herrman December 2017

2 More Insurance Company Tactics A Look Into the Insurance Adjuster’s Toolbox — Part 3

Delivering False Promises Some adjusters will tell you to get whatever treatment you need and just send them the bills. They say that they’ll take care of the rest. Simple! They do this will the full knowledge that they will later on claim certain treatments or procedures were unnecessary, unreasonable, or excessive. Then, you’ll owe money to the provider. With the insurance company refusing to pay, you’ll find yourself in an aggravating bind.

Insurance companies can be stressful to work with, especially after an accident. You call them and all you want is some help and compensation to pay medical bills and get back on your feet. They want to profit. Over the past two months, we’ve looked into the insurance adjuster’s toolbox and at tactics they use to pay you as little as possible. This month, to round out the series, we have two more: Befriending You This tactic is all too common. The adjuster acts like he or she is your best friend. There have even been instances where adjusters flirt with the claimant. They may even give you personal advice about the type of treatment you should get and how frequently you should get it. And then, regardless of whether you take their advice, they will likely claim that your treatments are excessive. If you miss a doctor’s visit here or there, they’ll claim you must already be healed and there is no reason they need to pay for those treatments.

These and other tactics we’ve explored represent only some of the tools adjusters have at their disposal. Be vigilant and work

with an attorney who can break past these barriers. When you’ve been in an accident, you don’t need another obstacle to your journey back to normalcy.

Easy Holiday Party Cheese Fondue

Scrambling to find something for the holiday potluck? This fondue is sure to impress!

INGREDIENTS

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¾ cup dry white wine 1 tablespoon cornstarch

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1 clove garlic Salt to taste

1 (8-ounce) package sliced Swiss cheese

Foods to dip (apple slices, bread cubes, roasted vegetables, etc.)

INSTRUCTIONS

1. In a large bowl, whisk together wine and cornstarch. 2. Chop cheese slices into small, uniform pieces. 3. Rub clove of garlic all over the sides and bottom of a heavy-bottomed pot, then discard. 4. Heat wine mixture over medium-low heat in the pot until thick and bubbling. Add some cheese and slowly whisk. When nearly smooth, add more cheese and whisk gently. Repeat until all cheese is melted. If mixture seems too tight, add 1 tablespoon wine. 5. Season with salt and serve immediately. Keep pot on low heat to keep the fondue dippable.

Recipe inspired by PinchofYum.com.

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