Insurance Company Tactics
A Look Into the Insurance Adjuster’s Toolbox — Part 1
It’s no secret that insurance companies are in business to make money. They are not in business to be fair or to protect you. They make money by paying out as little as possible on claims. Adjusters are extensively trained on tactics to save the company money and avoid paying out a “fair” settlement. In doing so, many adjusters are rewarded with bonuses for keeping the company’s best interests in mind. How do insurance companies avoid playing fair? Here are a few tactics in their toolbox: Delays. Adjusters know most people have better things to do than spend hours on the phone arguing with an adjuster over money. They also know many people live paycheck to paycheck and are always in need of a little extra cash. To that end, adjusters may delay the process and payment for as long as possible so the person who filed the claim will give in and take whatever the adjuster offers. Requests for unnecessary or duplicate documentation. Adjusters often request all sorts of information and documentation that has nothing to do with the value of the case. And then when you send the requested information, they have a
habit of saying they never received it. There are even instances where the insurance company will make multiple requests for the same piece of information, only to claim they never received it the first four times. They know some people will get worn down, give up, and accept their initial offer. Disputing your medical treatment. Adjusters are notorious for questioning a claimant’s need
for medical treatment — or the extent of their medical treatment. These adjusters are not doctors, nurses, chiropractors, or physician’s assistants. They have virtually no medical training, and yet they question every
treatment and test, often claiming it’s unnecessary, even when prescribed by your own doctor, who is generally highly reputable.
Orange-Balsamic Lamb Chops
Impress any dinner guest with this surprisingly quick and easy-to- make meal.
INGREDIENTS
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4 teaspoons olive oil, divided 2 teaspoons grated orange rind 1 tablespoon fresh orange juice 8 (4-ounce) lamb rib chops, trimmed
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1 teaspoon kosher salt
½ teaspoon freshly ground black pepper
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Cooking spray
3 tablespoons balsamic vinegar
INSTRUCTIONS
1. Combine 1 tablespoon olive oil, rind, and juice in a large zip-top plastic bag. Add lamb to bag; turn to coat well. Let stand at room temperature for 10 minutes. Remove lamb from bag and add salt and pepper. 2. Heat a large grill pan over medium-high heat. Coat pan with cooking spray. Add lamb and cook 2 minutes each side. 3. Place vinegar in a small skillet over medium-high heat; bring to a boil. Cook 3 minutes or until vinegar is syrupy. Drizzle vinegar and remaining teaspoon oil over lamb.
(Recipe courtesy of CookingLight.com.)
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