The Best Way to Work With Auto Insurance Claims Adjustors

Auto accidents are a common occurrence in St. George, Utah. Getting into a crash is not only painful, but stressful. Oftentimes, the stress will continue long after the physical pain has gone away. Much of this is due to the elongated process of dealing with the many insurance claims adjustors that will be assigned to your claim. Adjustors from both your own insurance company and the other driver’s insurance company will begin calling you as soon as you file your claim. Their job is to assign as low of a value as possible to both your property damage (the damage to your automobile) and your bodily injury (the damage to you, both physical and emotional). The insurance company will assign a different expert to each of those issues. That expert deals with people like you every single day. It is their job to low-ball you while keeping you happy. They are very good at it. Negotiating a fair amount is not likely because you have no experience. That is one of the many reasons car accident victims hire attorney’s. However, the following tips and tricks can at least give you a sling to use in your David vs. Goliath type battle.

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  1. Be kind. Do not be rude to your adjuster. All people respond better to positive reinforcement. We do not like being yelled at. You are one of hundreds of claimants that your adjustor will be dealing with at any given time. Do not be his or her least favorite claimant. It’s just common sense.

  2. Be careful. Your call is being recorded. Do not give information that is not necessary. They will want you to do silly things like admit fault, give them access to all your medical records, and sign releases. Do not do those things. Do not say that you were not hurt unless you know for 100% certain that you were not hurt. Hint: you will not know for sure until a week after the accident, neck and back injuries take days to set in.

  3. Be ready. It is hard to get the adjustor on the other end of the line. When they finally call you back, don’t blow it. By blow it, I mean don’t be unprepared. You need to have certain documents like police reports and medical records with you at all times so you can answer their questions. You also need to make sure to take down notes during and after each conversation. They are making records, you should be too.

  4. Be patient. Adjustors know that a bird in the hand is worth two in the bush. They will offer you extremely low amounts early on in the negotiation process to entice you to settle your property damage claim and bodily injury claim for far less than they are actually worth. Do not be fooled by this. It is in your best interest to keep a level head and make

  5. Every negotiation is about two parties who want different outcomes. The point is to meet in the middle so that both parties can be somewhat satisfied. Always keep in mind that the first number the insurance throws at you may be their low-ball offer. Feel free to counter.

  6. Get an auto-accident attorney involved. You don’t know what you don’t know. Car accidents can be a very significant time in your life, especially if you or a loved one is hurt. An experienced auto accident attorney will review your options with you for free.

This article is offered only for general information and educational purposes.  It is not offered as and does not constitute legal advice or legal opinion.  You should not act or rely on any information contained in this article without first seeking the advice of an attorney.    

 

Health Education: Infertility in Men

It’s a common thought in society today that if there is a problem and that needing to visit a fertility clinic is the cause of the woman. Well hopefully one day we will forever dispel this myth because that just isn’t the case. In fact the percentages of whose problem that causes it is split pretty equally between the sexes. There seems to be much information available about the causes of female infertility, so this article is meant to educate people on the causes of infertility in men.

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Physical causes

Poor sperm quality

Healthy sperm are very important to be pregnant to. Therefore, the most common cause is a defective production of normal and good motile sperm in male infertility. Possible causes are too few to be immobile or too many deformed sperm.

Testicular damage and inflammation

But also damage and inflammation of the testicles can causes of infertility to be. Foremost among these are:

  • Undescended testicles
  • Testicular torsion
  • Orchitis (by mumps or other viral diseases)
  • Varicose vein in the testicle
  • Injury of the testis
  • Inflammation of the sex glands (epididymis, prostate , seminal vesicles)
  • Blocked seminal tract

Inflammation or injury can block seminal tract and thereby to infertility in the male lead. The production of healthy sperm is thereby not affected, but these can not be passed, and as a result it does not get into the seminal fluid.

Treatment of physical causes

The creation of a semen analysis provides information about the quality of the sperm. Also, there is the possibility to perform hormonal therapies and drug treatments or surgery for testicular damage and inflammation. Furthermore, in blocking paths seed is a testicular biopsy to obtain sperm for sperm injection possible.

With increasing evidence for faulty paternal contribution to reproduction, there has been a steady increase in studies highlighting an association between sperm DNA damage, failed/delayed fertilisation and aberrant embryo development. – NCBI.gov

Hormonal causes

In men, a disturbance of hormones have a cause of poorer semen quality with a result of infertility. This cause of hormonal disorder comes from a man but only very rarely.

Treatment of hormonal causes

If it is possible, hormone therapy is carried out.

One of infertility in men and women can thus several underlying causes. However, physical and hormonal causes can be treated successfully in many cases to a infertility counter.

Gladly we have made tremendous inroads in being able to correct male infertility issues, and we can only hope that as things continue to progress we will only get better at solving the mysteries of the human body in relation to reproductive medicine.

Photo Credit: ZL-Photography