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Digg it UP - Top-Rated Trial Attorneys Reveal The Truth About Asset Protection
Employee passion for their work is critical to insuring that your business will grow and succeed. If your employees are not giving your company their all, your business growth potential will be greatly harmed. Be sure that your employees understand the corporate mission statement, philosophy, and the ethics and commitment that you have developed as a business professional. If they believe what they are doing is important and that you appreciate their efforts, you are going to insure that you have lower employee turnover and greater enthusiasm and inspire a sense of team in your organization.If you feel that employee loyalty, enthusiasm, and drive are dwindling or not up to the standards that are needed for company success, you must consider how you can improve your work environment to encourage employees to work with energy and enthusiasm. This will be particularly important should the business face difficulties due to an economic downturn or other circumstances that are out of your control.There are several ways that you can impact your employees' performance.Take a Survey The best way to discover if your employees have everything they need to do their jobs is to ASK. Develop an anonymous survey and simply ask each staff employee, "Have we given you everything you need to be productive and successful in your job?" Be willing to act upon the responses. Do not be surprised if some of the answers surprise you! (I was.)Provide Training It is important that employees not only be trained on internal systems and products, but that you INVEST in your employees by establishing training programs for sales, customer service, reception, administrative assistants, collectors, accounting personnel. When you make this type of investment in your employees, you gain more than the cost of the training in performance and appreciation. Especially in small organizations, when the owner makes this type of investment in training, the entire organization benefits from the programs. Additionally, cross-train employees in a variety of jobs when possible. This productivity and builds cooperation and appreciation when employees understand the challenges and workings of other positions in the company.Set Company Expectations Clearly communicate what you expected of employees, what the company value system is built upon and how the company defines success. Employees need to understand their roles in the company, how they fit in the big picture, and why their performance is directly attributable to making the company more successful.Share Company Goals and Information Provide as much information as possible about the company. Explain where the company is profitable, discuss of there are areas of the company currently losing money but why you believe in the investment of resources and time to make it profitable. Discuss how your products are doing in the marketplace, what new initiatives are being considered and why and how employees can contribute. Even when the news is not encouraging, people will appreciate your openness.Include your employees in planning and decision making. They may see issues differently than you, and if you encourage this type of open communications, they will offer ideas for working smarter. Whenever you use their ideas, give them credit for the innovation and the courage to offer their opinion and view. Too often, employees see themselves as merely a "cog in a wheel" and do not feel particularly empowered within an organization. You can change that with an environment of openness and trust.Know Who Works for You This is especially critical in a small business. Even if the Office Manager hired the Receptionist, you must take the time to get to know your employees. Have a monthly or quarterly "Breakfast with the Boss" for new employees and with a simple cup of coffee an
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are g
A large amount of money is being used by market research firms, as they provide companies with consumers’ opinions about certain products either before they are launched to know what market to launch it into; or consumers’ opinions about existing products to ascertain what needs to be done to revamp and improve them.Having internet access has opened up a new ball game wherein these corporations reach out and contact the consumer. Now, it is possible that you as the consumer can find and contact these companies, but the companies are unlikely to respond to you.What they generally do is that they have a middle person who is given a contract to write for them about their products. This gives them easy access to their customers’ view and opinions.This also helps them to have a wider range of customers whom they can bring back to their sites by giving them meaningful information and interesting product purchasing schemes.These are only possible through the articles which are written on their sites. There are two possible approaches you can take to participate in online get paid to fill out surveys:The first is via the free surveys. There are websites offering a free service. what you need to do is to sign up to their ‘list of companies’ and in return, they will give you access to these companies and their surveys. The only problem is that most of them don’t offer what they say and usually end up being a bunch of spam that can waste your time frequently. So, you end up spending time and efforts, but do not get any money out of your efforts.Through the second approach - the online paid survey sites, where you yourself have to pay as well follow the same other processes as the free ones, except for one small detail. You have to pay them to register before you can get paid to fill out surveys. For some people this might be a problem, but in reality, you get what you pay for.So when you join up for these get paid to fill out surveys programs, you’ll likely end up with an inbox full of emails, so the good idea is to setup a separate email address, for example a G-mail or Yahoo , which you can use exclusively for your online paid survey account.Also, ensure that you white list the email that you will be receiving. The emails which you don’t want can be sent to a spam folder without your missing any opportunity to participate in a get paid to fill out survey schemes.
Introduction
Today’s social and economic environment is more litigious than ever before. Theories of liability are expanding and across the U.S., jury awards are increasing. Not too long ago, million dollar verdicts were rare. Today, it’s not uncommon to read about multi-million dollar verdicts (or more) on a weekly basis.
That’s why it is so important that when doing business in today’s ever changing business world, you must make sure that smart and intelligent decisions are made RIGHT NOW allowing you to avoid unnecessary claims and lawsuits tomorrow.
To take proper legal and ethical steps TODAY to protect your personal and business privacy and assets BEFORE a problem arises sometime in the future.
To setup a system that has YOUR BEST INTEREST IN MIND rather than the best interest of your insurance company or its defense attorneys.
As indicated at our web site, 9 out of 10 lawsuits in the world are filed in the United States. Statistics show that a new lawsuit is filed almost every 30 seconds.
Business owners and professionals have a 1 in 3 chance of being named as a defendant in a lawsuit over the next year. Individuals statistically will be sued 2 to 3 times over the course of their lifetime.
Other estimates show 50,000 new lawsuits are filed everyday with the costs of defense (regardless of merit) ranging from $5,000 for an individual involved in a small case to well in excess of $10,000,000 for larger companies named as defendants in product liability and national class action cases.
Several examples of both legitimate and frivolously lawsuits (obviously each case is unique in and of itself) might include...
Doctors- There are 13.9 malpractice claims for each 100 doctors. 4 out of 10 medical doctors have been sued. The average Obstetrician in New York has been sued eight times. Nationwide, the average jury verdict in medical malpractice cases is $1,333,000 and in New York, it is three times larger than the national average.
Accountants- Accounting firms now face over 3,000 suits each year seeking more than 13 billion in damages. Huge judgments are being obtained like the recent $338,000,000 judgment against Price Waterhouse. Several regional firms have gone bankrupt.
Investors- Every businessman, developer, business owner and board member is exposed. Liability is often based on emerging and unanticipated legal theories. For example, the partners in a major law firm were recently stunned when they were notified of their joint and several liability under CERCLA for the projected $72 million toxic clean-up cost on a parcel of raw land they bought in the early 1970's.
Now add the dollar amount of the verdicts...
Keep in mind that the above figures do not take into consideration the billions of dollars in settlements and verdicts that are paid out each year by businesses in the U.S. The U.S. Chamber of Commerce estimates that last year, more than $152 billion was paid to settle frivolous lawsuits. While we believe this figure is grossly overstated, and includes settlements of cases with merit, the point is that there really is no greater financial exposure which will result in permanent detrimental results than of being sued.
So, the real question is, “What type of events can lead to personal or business litigation?”
Events that could trigger liability exposure include...
Intentional acts which are not covered by liability insurance Negligent acts (automobile accidents, premises liability...) Dog Bites (strict liability in many states) Breach of contract Employment related disputes Discrimination related claims Professional malpractice Business partner claims and lawsuits Alter ego and piercing the corporation Officer and Director liability Promissory notes and personal guarantees Personal and business creditors State and Federal tax liability Environmental law liability Joint liability like owning a home in joint tenancy Divorce Unfortunately, we want our clients to understand that it's not a matter of if you get sued, it's WHEN. The question is, "what are YOU going to do about it?"
Now here's some information that you probably didn't know. Even if you do everything right but are at the receiving end of a large damages lawsuit, there are inherent conflicts in our insurance liability and defense system that place your best interest no higher than third on the priority list.
At the top is your insurance company. Next on the priority list are the insurance defense attorneys hired by your insurance company to protect your interest. And last on the list is you. Your “best interest” is superseded by your insurance company and defense attorney. Here's why.
Conflicts Exist In Our Current System
Whether you know it or not, most insurance companies and defense law firms have huge conflicts of interest concerning issues involving protecting your interest from claims and lawsuits while at the same time, maximizing their bottom line profits.
Insurance companies are in the business to make a profit. The less money they pay out in claims each year, the greater their annual profits. Defense attorneys hired by insurance companies to defend you or your company generally bill by the hour. The longer they “work” your file, the more money their law firm gets paid. There is absolutely no incentive by either the insurance company or defense attorney to place your interest before their own. In most states today, there are little, if any, “checks and balances” in place to protect your interest.
Problems We’ve Personally Seen With Insurance Companies...
Failing to properly and timely open your file and investigate the claim. Failing to properly investigate the facts and analyze liability and damages issues. Improperly interpreting policy coverage, amounts and exclusions. Failing to simply and timely pay a claim. Forcing you to try and first get the other person’s insurance company to cover the claim rather than allowing you to deal with your own insurance in company as you’re entitled to do. Improperly raising your insurance premiums simply because you presented a claim under the terms of a policy that you have been paying premiums on for years “just in case” something like this ever happened to you... and the incident wasn’t your fault. Fraud and deception. Failing to provide you with all the facts, options and proper counsel. Requiring you to “jump through hoops” or provide documentation not required under the terms of your policy. Denying your claim and arguing that it never received a premium payment from you after your submit a claim. Implementing improper or unlawful schemes to decrease or eliminate your rights to pursue a claim. Failing to keep you up-to-date on all important issues including settlement discussions Failing to settle a case within your policy limits thereby unnecessarily exposing your personal and business assets to an excess policy coverage verdict. Failing to resolve conflicts of interest- for example, the same claims person handling conflicting claims. Improperly demanding reimbursement from you for money they paid out on your claim. Problems We’ve Personally Seen With Defense Attorneys
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are gi
Are you having trouble paying your bills? Does the reason you are in need of debt consolidation help lie behind your eyes and between your ears?Do you hide behind the sofa every time the Postman delivers the post, hoping against hope that he is not going to try and deliver the sort of letter that needs to be signed for? You know the type? The type that ensures that you acknowledge the correspondence from the Debt Collection Agency and makes it virtually impossible to continue the pretence of ignorance.If you're worried about any of the above then don’t worry you're not alone; there are loads of people (more than you would realise and certainly more than would like to admit it) face financial crisis sometime in their lives whether the crisis is self-inflicted, personal, a family illness, the loss of your job or overspending. If you are not careful it can seem overwhelming at the time. Often with careful planning it can be completely overcome. Your financial situation doesn’t have to go from bad to worse.It might sound very basic but if you or someone you know is in financial difficulties consider these option:1. Realistic budgeting 2. Credit counseling from a reputable organization 3. Debt consolidation 4. BankruptcyDebt negotiation is another option you might not have considered. Unless you investigate all of these options properly you will never know which one will work best for you? The bottom line is depends on your level of debt, how much discipline you have and also your prospects for the future.If we take a look at realistic budgeting first. The first step towards taking control of your financial situation is establish a realistic and honest assessment of how much money you make each month and work out how much money you spend. It is basic income versus expenditure.Start by listing your income from all sources. Then, list your exact expenses -- those that are the same each month like your mortgage payments, rent payments and insurance premiums, this sort of thing. Next you must list the expense i.e. the variables -- like entertainment, recreation, and clothing. It doesn’t matter what sort of route you go down to extract yourself from debt I would say to anybody involved in this type of activity doesn't matter what your looking at it is always a good idea to develop your own objective expenditure budget. The reason for this being first it's a helpful way to track your spending patterns, identifying necessary expenses, and prioritizing the rest. The goal is to make sure that you can make ends meet on your basic expenses your housing, food, healthcare, insurance and education bills.Despite what people say, this is a good discipline and one that actually you can learn from. Wouldn’t it be great if you could manage to get something positive out of the entire experience?
Several examples of both legitimate and frivolously lawsuits (obviously each case is unique in and of itself) might include...
Doctors- There are 13.9 malpractice claims for each 100 doctors. 4 out of 10 medical doctors have been sued. The average Obstetrician in New York has been sued eight times. Nationwide, the average jury verdict in medical malpractice cases is $1,333,000 and in New York, it is three times larger than the national average.
Accountants- Accounting firms now face over 3,000 suits each year seeking more than 13 billion in damages. Huge judgments are being obtained like the recent $338,000,000 judgment against Price Waterhouse. Several regional firms have gone bankrupt.
Investors- Every businessman, developer, business owner and board member is exposed. Liability is often based on emerging and unanticipated legal theories. For example, the partners in a major law firm were recently stunned when they were notified of their joint and several liability under CERCLA for the projected $72 million toxic clean-up cost on a parcel of raw land they bought in the early 1970's.
Now add the dollar amount of the verdicts...
Keep in mind that the above figures do not take into consideration the billions of dollars in settlements and verdicts that are paid out each year by businesses in the U.S. The U.S. Chamber of Commerce estimates that last year, more than $152 billion was paid to settle frivolous lawsuits. While we believe this figure is grossly overstated, and includes settlements of cases with merit, the point is that there really is no greater financial exposure which will result in permanent detrimental results than of being sued.
So, the real question is, “What type of events can lead to personal or business litigation?”
Events that could trigger liability exposure include...
Intentional acts which are not covered by liability insurance Negligent acts (automobile accidents, premises liability...) Dog Bites (strict liability in many states) Breach of contract Employment related disputes Discrimination related claims Professional malpractice Business partner claims and lawsuits Alter ego and piercing the corporation Officer and Director liability Promissory notes and personal guarantees Personal and business creditors State and Federal tax liability Environmental law liability Joint liability like owning a home in joint tenancy Divorce Unfortunately, we want our clients to understand that it's not a matter of if you get sued, it's WHEN. The question is, "what are YOU going to do about it?"
Now here's some information that you probably didn't know. Even if you do everything right but are at the receiving end of a large damages lawsuit, there are inherent conflicts in our insurance liability and defense system that place your best interest no higher than third on the priority list.
At the top is your insurance company. Next on the priority list are the insurance defense attorneys hired by your insurance company to protect your interest. And last on the list is you. Your “best interest” is superseded by your insurance company and defense attorney. Here's why.
Conflicts Exist In Our Current System
Whether you know it or not, most insurance companies and defense law firms have huge conflicts of interest concerning issues involving protecting your interest from claims and lawsuits while at the same time, maximizing their bottom line profits.
Insurance companies are in the business to make a profit. The less money they pay out in claims each year, the greater their annual profits. Defense attorneys hired by insurance companies to defend you or your company generally bill by the hour. The longer they “work” your file, the more money their law firm gets paid. There is absolutely no incentive by either the insurance company or defense attorney to place your interest before their own. In most states today, there are little, if any, “checks and balances” in place to protect your interest.
Problems We’ve Personally Seen With Insurance Companies...
Failing to properly and timely open your file and investigate the claim. Failing to properly investigate the facts and analyze liability and damages issues. Improperly interpreting policy coverage, amounts and exclusions. Failing to simply and timely pay a claim. Forcing you to try and first get the other person’s insurance company to cover the claim rather than allowing you to deal with your own insurance in company as you’re entitled to do. Improperly raising your insurance premiums simply because you presented a claim under the terms of a policy that you have been paying premiums on for years “just in case” something like this ever happened to you... and the incident wasn’t your fault. Fraud and deception. Failing to provide you with all the facts, options and proper counsel. Requiring you to “jump through hoops” or provide documentation not required under the terms of your policy. Denying your claim and arguing that it never received a premium payment from you after your submit a claim. Implementing improper or unlawful schemes to decrease or eliminate your rights to pursue a claim. Failing to keep you up-to-date on all important issues including settlement discussions Failing to settle a case within your policy limits thereby unnecessarily exposing your personal and business assets to an excess policy coverage verdict. Failing to resolve conflicts of interest- for example, the same claims person handling conflicting claims. Improperly demanding reimbursement from you for money they paid out on your claim. Problems We’ve Personally Seen With Defense Attorneys
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are g
Are you really telling me you only use Google Adwords for your pay per click advertising? If you’re ignoring pay per click advertising on Yahoo you could be loosing some serious profits. Here are six tips to get you familiar with Yahoo’s pay per click advertising so your marketing efforts can start getting you a piece of another pie.1. Bid for Placement- Unlike Google Adsense, with Yahoo you can bid for placement and determine what position your ad will show depending on how much you bid per click. The advertiser with the highest bid will have position #1. Position #2 will go to the next highest and so on. If you really want that top spot you can grab it for the right price.2. Best Ad Positions on Yahoo- Positions 1 through 5 convert the best with pay per click advertising on Yahoo, while max traffic comes with positions #1 and #2. Try and bid accordingly and aim for these coveted spots.3. Write Quality Ads- Yahoo now gives weight to the quality of your ad, much like Google does, so write them well. Include your keywords in the title and description of your ads to make them as relevant as possible to the keywords you’re bidding on. And don’t forget to make them catchy. Boring ads don’t get clicks so be creative and catch the reader’s eye.4. Dealing with Disapproved Ads- Because pay per click advertising on Yahoo involves having your ads approved by the editorial team before they show you need to make sure you read Yahoo’s guidelines and stick to them. But what if you stayed within the rules and still get disapproved? Here’s a trick—call them. Yahoo has a number you can call and speak directly to a member of the editorial staff. They’ll go over any changes that really need to be made to your ads and if all is well they’ll resubmit your ad for you with a personal note attached. Your ads will be showing in less than a day.5. Direct Linking- Unlike Google that will not let you use affiliate links in their ads, Yahoo is cool with linking directly to the merchant’s website. This eliminates the need for a landing page or the worry of duplicate urls. Use this feature to test new campaigns for profit potential before putting effort into building your own landing page or website.6. Beware the Content Network- Leaving the “content network” option on can spell big trouble as the traffic from these sources is usually poor. If you’re new to pay per click advertising on Yahoo do yourself a favor and turn this option off. Your wallet will thank you.
So, the real question is, “What type of events can lead to personal or business litigation?”
Events that could trigger liability exposure include...
Intentional acts which are not covered by liability insurance Negligent acts (automobile accidents, premises liability...) Dog Bites (strict liability in many states) Breach of contract Employment related disputes Discrimination related claims Professional malpractice Business partner claims and lawsuits Alter ego and piercing the corporation Officer and Director liability Promissory notes and personal guarantees Personal and business creditors State and Federal tax liability Environmental law liability Joint liability like owning a home in joint tenancy Divorce Unfortunately, we want our clients to understand that it's not a matter of if you get sued, it's WHEN. The question is, "what are YOU going to do about it?"
Now here's some information that you probably didn't know. Even if you do everything right but are at the receiving end of a large damages lawsuit, there are inherent conflicts in our insurance liability and defense system that place your best interest no higher than third on the priority list.
At the top is your insurance company. Next on the priority list are the insurance defense attorneys hired by your insurance company to protect your interest. And last on the list is you. Your “best interest” is superseded by your insurance company and defense attorney. Here's why.
Conflicts Exist In Our Current System
Whether you know it or not, most insurance companies and defense law firms have huge conflicts of interest concerning issues involving protecting your interest from claims and lawsuits while at the same time, maximizing their bottom line profits.
Insurance companies are in the business to make a profit. The less money they pay out in claims each year, the greater their annual profits. Defense attorneys hired by insurance companies to defend you or your company generally bill by the hour. The longer they “work” your file, the more money their law firm gets paid. There is absolutely no incentive by either the insurance company or defense attorney to place your interest before their own. In most states today, there are little, if any, “checks and balances” in place to protect your interest.
Problems We’ve Personally Seen With Insurance Companies...
Failing to properly and timely open your file and investigate the claim. Failing to properly investigate the facts and analyze liability and damages issues. Improperly interpreting policy coverage, amounts and exclusions. Failing to simply and timely pay a claim. Forcing you to try and first get the other person’s insurance company to cover the claim rather than allowing you to deal with your own insurance in company as you’re entitled to do. Improperly raising your insurance premiums simply because you presented a claim under the terms of a policy that you have been paying premiums on for years “just in case” something like this ever happened to you... and the incident wasn’t your fault. Fraud and deception. Failing to provide you with all the facts, options and proper counsel. Requiring you to “jump through hoops” or provide documentation not required under the terms of your policy. Denying your claim and arguing that it never received a premium payment from you after your submit a claim. Implementing improper or unlawful schemes to decrease or eliminate your rights to pursue a claim. Failing to keep you up-to-date on all important issues including settlement discussions Failing to settle a case within your policy limits thereby unnecessarily exposing your personal and business assets to an excess policy coverage verdict. Failing to resolve conflicts of interest- for example, the same claims person handling conflicting claims. Improperly demanding reimbursement from you for money they paid out on your claim. Problems We’ve Personally Seen With Defense Attorneys
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are g
You have no other option and you must move your goods by air. But the challenge is to find an air freight shipping service that will meet your deadlines and can deliver to all the major centers around the world.Using an air freight shipping service means that you are provided with global coverage and you can move international shipments with almost no size or weight limitations being placed on what you are asking to be delivered. Such shipping service companies will also have access to thousands of flights every day. Plus many of these companies will provide you with an online service in order for you to track your shipment.There are many reasons why people are now using air freight shipping services and below are some of the features which make people decide to use them.1. They provide you with guaranteed air freight services around the globe.2. They will access to thousands of flights every day from all major airports.3. They can provide you with a collection and delivery service.4. There seems to be no limitation on the size of the cargo that they transport.5. Will have tacking and reporting options which can be easily accessed online.Also there are a number of benefits which come from using an air freight shipping service such as UPS.1. They provide you with enhanced visibility of your shipment through the use of technology.2. Can provide you with specific quotes for your delivery.3. Are easily able to track and report on house air waybills, customer/internal reference numbers, shippers name, consignee name or even the item/part number that is being delivered.4. Offer a streamline shipment booking service through a PC based shipment manifest system or online tools.As you can see there are many advantages to be had from using a air freight shipping service and the main one seems to be that they have access to thousands of flights every day so if you need to get something somewhere urgently this may be the right service for you to use.
Conflicts Exist In Our Current System
Whether you know it or not, most insurance companies and defense law firms have huge conflicts of interest concerning issues involving protecting your interest from claims and lawsuits while at the same time, maximizing their bottom line profits.
Insurance companies are in the business to make a profit. The less money they pay out in claims each year, the greater their annual profits. Defense attorneys hired by insurance companies to defend you or your company generally bill by the hour. The longer they “work” your file, the more money their law firm gets paid. There is absolutely no incentive by either the insurance company or defense attorney to place your interest before their own. In most states today, there are little, if any, “checks and balances” in place to protect your interest.
Problems We’ve Personally Seen With Insurance Companies...
Failing to properly and timely open your file and investigate the claim. Failing to properly investigate the facts and analyze liability and damages issues. Improperly interpreting policy coverage, amounts and exclusions. Failing to simply and timely pay a claim. Forcing you to try and first get the other person’s insurance company to cover the claim rather than allowing you to deal with your own insurance in company as you’re entitled to do. Improperly raising your insurance premiums simply because you presented a claim under the terms of a policy that you have been paying premiums on for years “just in case” something like this ever happened to you... and the incident wasn’t your fault. Fraud and deception. Failing to provide you with all the facts, options and proper counsel. Requiring you to “jump through hoops” or provide documentation not required under the terms of your policy. Denying your claim and arguing that it never received a premium payment from you after your submit a claim. Implementing improper or unlawful schemes to decrease or eliminate your rights to pursue a claim. Failing to keep you up-to-date on all important issues including settlement discussions Failing to settle a case within your policy limits thereby unnecessarily exposing your personal and business assets to an excess policy coverage verdict. Failing to resolve conflicts of interest- for example, the same claims person handling conflicting claims. Improperly demanding reimbursement from you for money they paid out on your claim. Problems We’ve Personally Seen With Defense Attorneys
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are g
Let’s look at some common questions concerning the facts about bankruptcy in London.1) What is bankruptcy? Bankruptcy is a method of dealing with overdue debts. It allows you to start over, but with several stipulations. Anyone can file bankruptcy. Your individual creditors can also petition to have you made bankrupt.2) Is bankruptcy advisable? Probably not. You are going to lose everything. You need to consider every alternative thoroughly first.3) Is bankruptcy a public affair? It is very much so. Your bankruptcy will be published in the London Gazette as well as your local newspaper. Your creditors, banks, landlord and societies/organizations are all notified immediately.4) Who is in charge of dealing with your bankruptcy? The Official Receiver is an officer of the court appointed by the Secretary of State. He/she will assume responsibility of dealing with all of your financial matters, protecting, liquidating and distributing your assets amongst your creditors.5) What will I lose? You will lose just about everything of any value that you possess including, but not limited to: your home, autos besides those required for your work, bank accounts, insurance policies, credit cards, furniture besides bedding, jewelry and possibly even pensions.6) What can I keep? You are normally permitted to retain books, clothing, bedding and tools. That’s about it.Depending upon their individual nature, bankruptcies can be discharged within twelve months. Most last longer, up to five years. Repeat bankrupts can be prolonged for 15 years in some cases. Bankruptcy in London should only be looked upon as a last result to financial woos. Talk with a financial counselor about an individual voluntary arrangement (IVA) with your creditors first.
Insurance companies may hire inexperienced or inadequate attorneys to try and protect your interest. Giving you the impression that experienced partners are handling your defense when in fact, inexperienced associates are doing much, if not all, of the work. Rather than quickly and timely resolving your case, the claim is dragged out over an extended period of time allowing the defense firm to heavily bill the file. “Rolling the dice” at your expense- settlement offers are not communicated to you or, unrealistic promises of getting you a complete defense verdict are made. When the verdict comes back from the jury for an amount in excess of your policy, you are the one writing a check for the difference. Overworked, understaffed and underpaid. Many associates are given caseloads which are simply too large to effectively handle. We constantly run into defense attorneys who are answering “ready” for trial on a Monday morning on three different cases in three different courtrooms. In all of these instances, you should ask yourself, “who’s best interest is being served?”
Real Case Examples- Still skeptical. Read several “real case” examples from our personal files...
Insurance company intentionally misrepresented and interpreted important facts against its own insured
Our client was hit head on by a drunk driver who was drag racing another vehicle. The drunk driver was uninsured.
Our client sustained serious injuries including broken bones and serious head trauma. His medical bills were about $100,000.00.
After we were retained, our client’s own insurance company told us that he only had $30,000.00 in insurance coverage. Furthermore, based upon their review of the file, that was more than enough to cover the value of the case.
Our independent review of our client’s written insurance policy indicated to us that there was actually $1,000,000.00 of available insurance. Furthermore, our client and his family had been paying large insurance premiums to this insurance company for more than a decade with the impression that they had the $1,000,000.00 in coverage.
Our instincts told us that something was wrong with how this claim was being handled and we filed a first party bad faith lawsuit against the insurance company to protect our client’s legal rights. We asked for copies of our client’s insurance claims file and the insurance company refused. Only after threatening to bring a motion to have a Superior Court Judge order the files be produced and for an award of monetary sanctions were the files finally disclosed.
What we learned blew us away.
In the files were letters and memorandums indicating that the insurance company’s own lawyers valued this case at a figure substantially higher than the insurance companies earlier $30,000.00 offer. The file also contained written documentation that the insurance company had earlier consulted with an accident reconstruction expert who confirmed that the cause of this accident was the negligent operation of an automobile by the other driver.
To our surprise, a follow-up reference was found in the file stating that if the insurance company discounted their own expert’s earlier opinion and instead retained a new expert who (for a price) would point the finger at their own insured (our client) for causing this accident, it could save the insurance company a ton of money.
We put our team to work and eventually obtain a binding uninsured motorist arbitration award for our client in the amount of $865,000.00 and a subsequent insurance bad faith settlement for another $2,500,000.00. The total claim was resolved for $3,365,000.00. Remember, this is after our client was originally offered only $30,000.00 by his own insurance company.
And here are two more real cases.
Policy Limits Misrepresented by $1,800,000.00!
In two separate cases involving tragic wrongful death traffic accident claims, we were told by the insurance claims adjuster over the telephone that the only insurance coverage available for our clients’ families was $100,000.00 for each accident.
After litigating each case and conducting discovery (forcing the insurance companies to turn over all documents and their insured to answer questions under oath), we discovered that in fact, there was $1,000,000.00 in liability coverage resulting in an additional $900,000.00 of coverage per claim. Both of these claims were then subsequently resolved for the full policies.
New Privacy Concerns...
The USA Patriot Act was signed into law on October 26, 2001. As a result, new agreements, laws and treaties with foreign governments have opened up the doors to the free exchange of information that was once difficult to obtain and extremely confidential in nature. Without discussing personal views on whether or not this Act was the right thing to do, as we understand the Act, several important facts are as follows:
It grants the FBI broad access to individual and business records without evidence of a crime. Surveillance laws have been broadly expanded (wiretaps, search warrants, pen/trap orders and subpoenas). “Secret searches” are authorized. “Roving” wiretaps are authorized. Telephone and internet communication surveillance rights of police departments are broadened. Right now, attorneys and investigators can access databases giving them information about your:
Voter registration records Medical records Telephone records Business and personal checking account information Property tax records Driving records Social Security number Workers’ compensation information Police records Court records Real estate records Fictitious business name and licensing records Corporate records Marriage records Utility records Credit card records Family history records Probate records The average consumer is simply not aware of the financial exposure lawsuits can bring and, the lack of privacy that exists in this country today. People’s best interest are placed after the defense attorneys and insurance companies and personal and business assets are unnecessarily exposed.
And that’s where we come in.
Jackson & Wilson Consulting and Manages Services, LLC was founded to help individuals, entrepreneurs, small business owners, large companies (including officers and directors), services organizations and professionals (doctors, lawyers, accountants...) minimize exposure to lawsuits and maximize privacy and asset protection.
To offer products and services designed to protect you and your business with a strong emphasis on specific, constructive and objective solutions, by seasoned and experienced trial attorneys, showing you how to MINIMIZE your liability exposure and MAXIMIZE your personal and professional privacy and, the protection of your personal and business assets.
So, what can you do next to protect your family and business?
Proper Steps Taken Today Can Maximize The Protection Available To You, Your Family and Business From Future Claims and Litigation
Developing new business revenues, prospects and clients should be at the top of every businesspersons list. At the same time, legitimately protecting your privacy, personal and professional assets must also be a main priority.
How do you go about this?
First, you need to know that most of what you know or have been told about “asset protection” is probably wrong. Although we hate to be the bearer of bad news, the reality of the situation is that now is
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