Aulsbrook Law - May 2019

Learning to Be Grateful

INSURANCE COMPANY TACTICS

Insurance companies exist to make money. They are businesses. While their commercials may claim they are all about you, the reality is very different. The goal of every insurance company is to pay out as little money as possible on claims. Insurance adjusters will try everything they legally can in order to save the company money. 3 Ploys Adjusters Use to Pay You as Little as Possible The Delay Adjusters will string things out for as long as they can. You may end up on the phone for hours on end while stuck in an argument about money. Then the process can drag out for weeks or months as the adjuster makes various requests. Adjusters will also lowball a claimant by dangling a check in front of them, hoping they settle for the small amount. After an injury or crash, when a claimant is in need of money, accepting this offer can be very tempting. Of course, if the claimant takes the initial settlement, they won’t get anything else. Constant Requests As mentioned above, adjusters often make requests for just about every piece of information or documentation possible, even if they’re not all necessary for the case at hand. Additionally, there are instances when the information you send never shows up or seems to take an unusually long time to reach the adjuster. You may also be asked for the same document several times. These tactics are designed to wear you down so you are more likely to take their initial offer. Treatment Questions This ploy can be the most stressful. Adjusters will question whether you really need certain — more expensive — types of treatment or if you need medical treatment at all. As we know, adjusters are not medical professionals. Anytime they question your medical need, you can be sure they are simply employing a tactic to pay you less than you truly need. That said, there are specific tactics in the adjuster’s toolbox you can watch out for. Here are three examples of such strategies.

Some Ways to Help Children Appreciate Their Teachers Teacher Appreciation Week runs from May 6–10 this year, and there are plenty of ways students of all ages can thank their educators for everything they do. Being a teacher isn’t an easy job, and the people who make it their profession are passionate about helping kids learn. Depending on how old your child is, they may need a parent’s help in showing their appreciation. Here are a few ways parents and children can appreciate teachers together. THANK-YOU NOTES This gesture is simple and sweet and can be very thoughtful. Telling a teacher what makes them outstanding can often be just as valuable as a gift. Help your child write an appreciative note and then write one yourself. Teachers often have to maintain the happiness of students, administrators, and parents. Your card could relieve some of the stress of that balancing act and let them know that you acknowledge their efforts. A HOMEMADE MEAL Making a homemade meal (or dessert) shows teachers that you went the extra mile to appreciate their hard work. Maybe you could make a favorite dish of yours or try to find a new recipe online. Either way, encourage your child to help you with the process so that the meal is truly a gift from both of you. DONATING SCHOOL SUPPLIES Many teachers use their own money to buy school supplies for their classroom. This is just one of the ways teachers go above and beyond on a daily basis, and buying some extra school supplies can help ease that cost. Take your child shopping with you and help them pick out supplies that you know their teacher will appreciate. Your children spend several hours a day with their teachers, so fostering relationships with them is vital. Use this day to help your children understand the importance of teachers, to teach them the power of gratitude, and to encourage them to show respect for everyone who helps them in life.

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