You can do this personal injury work only so long before it’s clear to you that the system is rigged to make money for insurance executives and not to resolve personal injury claims. To the insurance executives that run our insurance system, injured people are nothing more than a necessary evil, a mere nuisance. For that matter so am I. They love to hate me. The system simply tolerates injured people while claiming payments to them are a waste; all the while the system is the waste that feeds the pigs running it.

I have a client with a small PI case involving a rear-ender on an interstate highway where the traffic came to a standstill during rush hour. Liability can’t be any clearer. I’m sure the guy that ran into my client is as tired of the insurance BS as we are on the plaintiff’s side. It’s been going on for over 900 days and we are nowhere near getting it resolved because the jack-ass adjuster is too busy papering us to death for the sake of justifying her job and the entire insurance defense team of jag offs. Read my latest letter to the adjuster and see if you don’t agree with me. I’ve redacted the names to protect the innocent.

Insurance Company from Hell

1 Screw You Way

Fat Cat City, Iowa

Dear Adjuster,

I’m in receipt of your letter dated October 27, 2010 and since then you and I have exchanged several emails concerning the total medical bills. I’ve attached a medical expense dateline; the last line totals the medical bills ($6,591.10) and shows subrogation owing in the amounts of $739.18 and $4,230.29.

I have recently provided you with the signed wage loss verification form. I will attach, once again the subrogation notices and reiterate the demand for payment of $55,000.00.

HOW DOES THE INSURANCE INDUSTRY TAKE RESPONSIBILITY FOR A CLEAR CASE OF LIABILITY – A “REAR-ENDER” ON I-235?

This case clearly frustrates me so I understand why my client is frustrated as well. My client is a master’s level educated professional woman working for ANOTHER BIG INSURANCE COMPANY who previously worked for A BIGGER Insurance Company. Since your insured ran into the back end of her car while on our local federal interstate highway she’s had the pleasure of a committee deciding how miserable her life can be made.

WHAT’S A MISERY COMMITTEE?

The misery committee is made up of five insurance companies (Nationwide, Healthcare Recoveries, Principal Life, Allied and Farmers Insurance Group), twenty-six medical service providers (ORTHOPEDIC SURGEON, William HXXXXX, IME DOCTOR, MXXXX JXXXX, TXXXX PlXXXX, SXXXXn X. RXXXXXXXXt, JXXXn RXXXXi, TXXXXXy WXXXXh, JXXXn WXXX, JXXX WXXXXXp, NXXXe DXXXn, JXX CXXXd, KXXn KXXXXXk, OXXXe LXXXo, OXXX LXXX, JXXXr KXXXXr, MXXXXt RXXXo, PXXXy TXXXn, DMOS, Iowa Health, IMMC, Mercy Clinics, NXXXXl UXXXr Cervical Chiropractor, UXXXXXe Family Physicians, Principal Midland’s Choice and the Principal Financial Group), let’s not leave off the defense attorney, the defense lawyers at the XXXXXXX Law Firm who want to make sure they don’t lose SCREW-THE-LITTLE-GUY’s insurance defense business and then let’s not leave off the nine adjusters who have some involvement in this case. All total the PLAINTIFF’S “let us run your life” committee membership totals almost 50 humans and corporate entities all competing to confuse the issues for the sole purpose of getting themselves paid, justifying their jobs while working to not pay the injured lady by making the issues confusing so at the very least payment can be justifiably delayed.

If anyone in your company wonders why the taxpaying and voting public (Tea Party) is so ANGRY they need only consider that after the Tea Party is finished with the Washington crowd they will be turning their collective efforts towards the insurance industry who’s design makes the industry a lot of money and million dollar bonuses while creating misery for the one person who didn’t ask for “Mr. SORRY I REAR ENDED YOU” to invite her and her infant son (DOB: 05/XX/2007 and he was a passenger in her vehicle) to this “how miserable can we make her” party. And let’s not forget that she became pregnant after the accident on April X, 2008 which made further treatment stop until after she gave birth on May XX, 2009 (noted to be 10 weeks pregnant on 10/XX/2008).  After 30+ years of practicing law I’m sure insurance adjusting standards and defense tactics are low enough to allow argument that this taxpaying married woman made herself miserable by actually having intercourse with her husband after being in a motor vehicle accident.  After all how dare she be a good wife and … a human being?

Now here is the best part of doing personal injury work and trying to figure out the medical expenses. First know that my office has spent $1,540.62 in litigation expenses mostly for medical records and medical opinions. You’d think a lawyer willing to spend $1,500.00 trying to get the doctor’s paid could actually get a final bill. The medical service providers don’t dare send out a “final bill” because doing so would remove any defense against a claim of insurance fraud because “Huh? Ho-hum this can’t be considered insurance fraud because … we haven’t yet sent out the final bill”. This fact makes everyone’s job of figuring out the actual medical expense next to impossible and that delay, aids the misery committee to further stall payment to the most seriously injured driver while allowing the insurance companies to earn interest on the float by buying U.S. Treasury Bills that earn a return through a debt ridden public till. I must admit your industry makes the Mob and their loan sharks look like rank amateurs.

Remember too that before Mr. SORRY I REAR ENDED YOU sent Mrs. THE INJURED ONE an invitation to be miserable for the next 974 days she didn’t know she had a fractured neck; a fact discovered after the collision; but couldn’t be related to this accident because current medical science says it can’t, but does say the accident did aggravate the underlying condition. So here I am waiting for the date when FIG decides to get serious which probably won’t happen until we can feel the cold hard cement of the courthouse steps under our feet.

For all of this your industry truly believes your position is no longer an adjuster, but instead your position is that of a relationship specialist. Is it becoming more obvious why the voting public is angry?

Our demand remains as previously stated and we await your delayed response.

Very truly yours,

 

Stephen D. Lombardi

Attorney at Law