Herrman & Herrman - November 2017

More Insurance Company Tactics

A Look into the Insurance Adjuster’s Toolbox — Part 2

You know insurance companies will do everything they can to avoid a paying you what you deserve after an accident. When you get on the phone with an insurance adjuster, they are ready to convince you to accept the lowest dollar amount toward a settlement. If they can get away with paying you zero, they will do it. Last month, we looked at three tools in the adjuster toolbox. This month, we have three more. Take a look. Discounting your medical treatment. The adjuster may accept your need for treatment, but then turn around and claim the charges are unreasonable or too high. They will “discount” the charges 10–90 percent, then say they looked at what other providers in your area charge for the same or similar services and “adjusted” accordingly. This is a lie virtually every time. Threatening or lying about your need for a lawyer. Some adjusters will tell you that if you hire a lawyer, they will deny your claims or offer you less. Some may even tell you that if you hire a lawyer, all of your money will go to pay the lawyer, and you will be left with nothing. The truth is, the insurance industry did a study through the Insurance Research

Council (IRC), a nonprofit organization supported by

leading property and casualty insurance companies across the United States. The IRC found that people who hired a lawyer received an average of three and a half times more money than those who did not. Misrepresenting

benefits. It’s not uncommon for adjusters to misrepresent or

lie about the amount of coverage or benefits under a policy. For instance, if you don’t specifically reject PIP or UM/UIM coverage in writing, then you automatically have it. Many adjusters may tell you that you don’t have it, but they either know, or fail to verify that you never rejected it in writing.

Roasted Parmesan Pesto Potatoes

It only takes 3 ingredients to make these crispy, flavorful potatoes. They’re the perfect side dish for any meal.

INGREDIENTS

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2 pounds red potatoes, quartered 2 tablespoons basil pesto

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Salt and pepper, to taste 3 tablespoons grated fresh Parmesan cheese

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INSTRUCTIONS

1. Preheat oven to 400 F. 2. In large bowl, combine potatoes and pesto. Toss to coat. Transfer potatoes to large baking sheet or shallow roasting pan. Season with salt and pepper to taste. Roast 20 minutes and remove from oven. 3. Sprinkle Parmesan cheese evenly over potatoes and put pan back in the oven. Roast for additional 10–15 minutes or until potatoes are tender and crispy. Remove from oven and serve warm.

Recipe courtesy of TwoPeasAndTheirPod.com.

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www.herrmanandherrman.com

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