Pezzano Mickey & Bornstein January 2018

After an Accident What to Watch Out For atc

1. Deliberate Delay. They know that, often, you are in a financial squeeze. Even if you have good health insurance, the fact that you aren’t working may make it difficult to pay co-pays and deductibles. The insurance company knows that you are getting dunned by the doctors, so they take their time with your claim. 2. Request Unnecessary Information. Insurance companies will insist that you track down every little piece of information before they can evaluate the claim. Even if the info they are now asking for would not add a penny to their offer, they are happy to wait another six weeks for you to track it down. Meanwhile, they are earning interest on the money they are NOT paying you. 3. Disputing Medical Treatment. Even though I’ve never met an adjuster who went to medical school, they seem to know just what treatment is right for you! Usually, they “know” that you were overtreated because “our computers say that you should have been better by now.”

It’s hard to tell who is on your side, especially when you’ve been in an accident. That’s why Wendy’s book, ‘Five Deadly Sins That Can Wreck Your NJ Accident Case,’ contains crucial questions to ask and advice on what to look out for after an accident. Here’s an excerpt containing three tactics insurance companies use. For years, one major insurance company encouraged claimants to not even talk to an attorney before setting the claim. They used fear (“the lawyer will take one-third of this check we’re about to pay you just for talking to them”) to dissuade people from getting good advice. Guess what? You may not need an attorney to represent you in your case! No one, however, should settle a case without understanding the system. Typically, for example, the insurance adjuster isn’t going to tell you that you might have to turn around and give the check they just gave you to your health insurance company. That adjuster just wants to close the file and get you to release all of your claims.

Here are some other tactics I’ve seen insurance companies use just to wear you out and get you to go away.

We’ll share three more tactics insurance companies use in our next newsletter. You can also request a free copy of Wendy’s book at


Pistachio Goji BERRY GRANOLA

Want to spruce up your morning yogurt? Top it with this tasty granola. Even better, swap out the dairy for coconut yogurt and enjoy your vegan breakfast.


• • • •

1 cup rolled oats 1/2 teaspoon salt

• • • •

1/3 cup pistachios, chopped

1/4 cup coconut flakes 1 teaspoon cinnamon

1 tablespoon coconut oil

3 tablespoons maple syrup

1/3 cup goji berries


1. Heat a large skillet over low heat. Add oats in a thin layer and toast for 1–2 minutes. Add coconut oil and salt, then stir. Continue toasting for 5–7 minutes, stirring occasionally. 2. Add maple syrup 1 tablespoon at a time; stir to coat. 3. Once oats are toasted, add pistachios, coconut flakes, and cinnamon. Cook

slowly until pistachios and coconut flakes are toasted but not burned, for about 5 minutes. 4. Remove from pan and stir in goji berries. 5. Let cool and enjoy as a snack or on top of your yogurt!

Recipe inspired by

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