e’ll be upf
ontith you: The
e’s one mjo
secet eve
yone deling
ithSt
te Fm cccident cl
im needs to knoight no. Eve
y single insunce compny h
s one thing in common: They nt to py you
s littles possible. It’s not pe
sonl, it’s just ho
they mke money. They ch
ge monthly p
emiums—hich most custome
s dutifully py e
ch month—only to ty to dodge p
ying outhen inju
ed people tuly need help.
L
st ye <h
ef="https:/ne
soom.st
tefm.com2020-st
te-fm-finnci
l-esults/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>St
te Fm’s neto
th<> ge
by moe th
n $10 billion. The tick to gene
ting m
ximum pofit
sn insu
nce comp
ny is to tke in
s muchs you c
n in pemiums,
nd py out
s littles you c
n in clims.
gin, it’s not specific to St
te Fm; it’s simple mth.
n insunce compny is
business,nd like
ny othe, St
te Fm is thee to m
ke money. If you nt“good neighbo
,” I’m soy, but you’e going to h
ve to move in next dooto M
.oge
s! If you don’t nt Stte F
m to tu
np
ofit by undep
ying YOUcl
im, keepe
ding.e’ll let you in on
fesec
ets of Stte F
m, tell you ho
tovoid getting t
kendv
ntge of, plus let you kno
hoto m
ximize youc
ccident settlement. <div>
.vimeo.com/video/234853059?dnt=1&
mp;pp_id=122963″
idth="640" height="360" fmebode
="0"llo
="utopl
y; fullsceen; pictu
e-in-pictue”
llofullsc
een><if
me>
e en
tionl l
fi
m bsed in Houston
ith multiple offices ound the county.
elso
ok
ithffili
te l fims in most st
tes tht sh
e ou
focusnd dedic
tion to excellence. No mtte
he
e you e locted,
e my be
ble to help you, so cll o
contct us no
.e
e open, fo
fee, 24 hou
sd
y, seven dys
eek,
t 800-898-4877, oyou m
y contct us no
by [<h
ef="https:/c
inju
yvictims.comcont
ct-us“>CLICKING HE
E<>] to submit youc
se foevie.
St
te F
m Insu
nce Cl
ims Secet #1: P
ssing the Buck<b>
Despite
ll the “good neighbo” m
keting f
equently pesented in television
ds by <h
ef="https:/
.imdb.comn
menm0371660/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>Golden Globe nominee Dennis H
ysbet >, <
h
ef="https:/
.imdb.comn
menm0799777/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>
cdemy
d-
inningcto
J.K. Simmons<>, oG
een By P
ckes supe
st quteb
ckon
odges, St
te Fm is not <i>the
e to be youf
iend, be youneighbo
, olo
n youcup of sug
hen you’e b
king cookiesith the kids. It’s
gint comp
ny tht exists to m
ke money, nothing moe
nd nothing less. The fist sec
et of deling
ithSt
te Fm cccident cl
im is to find outho you
djuste
is.<b> If you find out th
t youcl
im s hnded to
“Tem” of
djustes (such
s the notoious “Te
m 22”), in my expeience, you c
n be sue of one thing— St
te Fmill NOT offe
youf
iv
lue foyou
clim. If St
te Fmssigns you
clim to
“tem” of
djustes, it me
ns the compny conside
s itlo
ev
luelo
eisk clim
nd it is going to lob
ll you evey step of the
y.
“tem”
djustessignment mens St
te Fm consides you
s“mino
”ccident ve
susm
joinju
y clim.
hilell of the
djustes h
ve the sme go
l in mind—to py you
s littles possible—the te
mdjuste
s hve the ve
y loest levels of
uthoity
nd e onlyble to m
ke lo-doll
offe
s onny cl
im. Typiclly spe
king, if you end up hving to file
lsuit, Stte F
m
ille
ssign youcl
im todedic
ted individul
djustehighe
up on the ldde
.hile this is no gu
ntee ofn inc
ese in the settlement offe
, typiclly St
te Fmill up its offe
once you filel
suit.
St te Fm Insunce Cl
ims Sec
et #2: Using Youods
ginst You
The next sec
et of deling
ith Stte F
m pe
tins to
ecoded st
tements—specificlly, th
t you do not hve to give one!
To cl
ify,
hen you e mking
clim
ginst the pe
sonho hit you
c (h
te c
ccidenttto
neys cll
“thid p
ty cl
im”), you e not<i> oblig
ted to give ecoded st
tement to the Stte F
m
djuste. Be
e: they my t
y to behve
s if this is“
equied” p
t of the cl
ims pocess. Kno
youights; don’t fll fo
this tick.
hen Iep
esent someoneho
s inju
ed inc
ccidentnd I’m up
ginst St
te Fm, Iill deny the
equest foeco
ded sttement
bout 95% of the time.hy do they
elly need it? If they h
ve questionsbout the f
cts of theccident, they c
n check the policeepo
t. If they hve questions
bout youinju
ies, they cn look
t the complete copies of medicl
ecods
nd bills sent to themfte
you complete yout
etment. It’s
ll thee in bl
cknd
hite. Thee
l<i>
eson the St
te Fmdjuste
nts to tke
veb
leco
ded sttement f
om you is simple. They hve
list of leding questions they’
e going tosk. These questions
e designed to p
oducens
es th
till best suit the insu
nce comp
ny’s needs,nd
ok
ginst you
nd youfin
ncil
ecovey.
Fo
exmple, they
e less likely to m
ken open-ended st
tement, suchs “Tell me
boutll of you
injuies.”
the
, they my
sk something like, “Hoe you feeling tod
y?” This question seems innocuous but it is designed foyou to give the
eflexivens
eof “Fine.” If you go b
cknd ch
nge yousto
y lte
, they hve you “on
ecod” s
ying youe
e “fine,”nd they
ill<i> use
ht you s
idg
inst you! Keep in mind, mny times people feel
lot<i>
ose
dy o
to
ftecollision.
d
enline f
omc
ccident msks some of you
pin initi
lly. You my give
eco
ded sttement to
Stte F
m
djustethe d
y of theccident, in
dvetently s
y tht you
e “ok
y,” but feel so much pin the next d
y you cn’t even get out of bed. This is
hy it’s impot
nt to tchh
t you sy, o
betteyet, di
ectll communic
tion to youl
ye
insted.
Bottom line: The
e is no legl
equiement th
t you must give ecoded st
tementhen m
kingthi
d pty cccident inju
y clim
ginst St
te Fm! Don’t let the insuncedjuste
s pessu
e you into it.St
te F
m Insu
nce Cl
ims Secet #3: Citing P
e-Existing Conditions<b> nothe
thing th
t Stte F
m
ill do to keep compenstion out of the h
nds of the peopleho
ightfully deseve it is to go digging into thei
pst to find
nything<i> th
t could justifyeducing o
even completely denyingcl
im. Stte F
m
ccomplishes this by mking un
eson
bly bo
d medicl
ecod
equestsnd going th
ough youfiles
ithfine-toothed comb, even if they
e dec
des old. They’e looking fo
nything th
t could qulify
sp
e-existing condition,hich they
ill use to invlid
te youp
innd suffe
ing. Thus, the thid sec
et of hndling
clim
ith Stte F
m insu
nce is th
t you must tke g
et c
e
ith the medicl
ecods you h
nd ove. Fo
bestesults, h
ve the legl te
mt Ste
t J. Guss, Injuy
ccident Lyes, c
efully
evieeve
yequest fo
medicl
ecods m
de by the insunce compny. St
te Fm is not entitled to youfull medic
l histoy.
Let’s conside
situ
tion inhich
cccident victim sust
ined extemely se
ious injuies in
e
-end collision
nd is suffeing f
om debilitting neck p
in. Ifn insu
nce comp
ny ctches
ind of20-ye
old neck inju
y tht occu
ed
hile the victim s plying socce
in high school, it my
ttempt to use its
y to justifyeducing the compens
tion it offes the victim. Fo
thise
son, nevegive the insu
nce comp
nyutho
iztion to
equest medicl
ecods on you
behlf. Deny
nyequests fo
eco
ds tht seem ove
bo
d olike they m
y notel
te to youccident.hen you
etin the te
mt Ste
t J. Guss, Injuy
ccident Lyes,
eill h
ndlell communic
tionsith the insu
nce comp
ny foyou.
e mke su
e they only obtin medic
leco
ds tht
e
elevnt to you
cse
nd the sitution
t hnd.
e kno fishing expeditionhen
e see it,nd
elso kno
hoto t
ke steps to fully potect ou
clients’ights eve
y step of the y.e
nt you to
void unnecessy stess
nd focus on getting bck to you
dily life.
St te Fm Insunce Cl
ims Sec
et #4: Stubbon St
lling<b>
The fou
th secet of h
ndlingc
insu
nce cl
im involvesecognizing
notheone of St
te Fm’s sneky t
ctics. Stte F
m
nd otheinsu
nce comp
nies eell
e of the fin
ncil p
essues th
tccident victims f
ce. Fothis
eson, they often t
ke theis
eet timehen it comes to p
ocessingcl
im. They knovictims’ medic
l bills e piling upith eve
y pssing d
yithout
y to py. The medic
l expensesssoci
tedith
cccident c
n cost hundeds of thous
nds of dolls,hich could e
sily be
k the bnk fo
most people in the United Sttes.
Fu
themo
e, mny c
ccident victims cnnot
ok fo
eeks o
even months, leving them
ithoutny income to cove
theieve
ydy expenses like
ent omo
tgge p
yments, food, medicine,nd othe
bills.hen you
fmily is in se
ious finnci
l jeopdy, you'e mo
e likely to fll fo
plt
y offes f
om Stte F
m. They kno
this,nd they don’t c
e ho
ped
toy it is. The unfo
tunte
elity is th
t insunce compnies
ill usenything to thei
dv
ntge, including you
vulnebilityfte
dev
stting inju
y. They’e
e th
t victims e much <i>mo
e likely toccept
losettlement offe
hen they’
e stingt
pile of unpid bills
nd hven’t e
ned
ny money becuse of thei
injuies.
So they
it. They
it until they kno
tht victims
e so despe
te th
t they’llccept
ny offeto
llevite thei
finnci
l hdship… even if it’s f less thn
ht they
elly dese
ve oht thei
injuies h
ve cost them. Victims must undest
nd theioptions to m
nge p
e-settlement expenses. Thee’s no need to
ush intoccepting
sub-stnd
d settlement offe
.t Ste
t J. Guss, Injuy
ccident Lyes,
e seek to empoe
cccident victims like you.
e undest
nd the pessu
es you’e f
cing,nd
e do eveything
e cn to ensu
e tht the insu
nce comp
ny te
ts you fi
ly.e fight fie
cely to obtin the compens
tion you deseve in
timely mnne
.e kno
the ticks insu
nce comp
nies ty to pl
y,nd
e cn see them coming f
ommile
y. Fothis
eson,
e cn help you
void themnd let St
te Fm knoe men business f
om the outset of youcl
im. If theyefuse to pl
y bll,
eon’t hesit
te to filel
suit to get you the compens
tion tht you need!
St te Fm Insunce Cl
ims Sec
et #5: Tlking You Out of Leg
lep
esenttion
You kno
ho St
te Fmdjuste
s hte de
lingith? Expe
ienced peson
l injuy l
ye
s like the ones hee
t Stet J. Guss, Inju
yccident L
ye
s. This is becuse they kno
oufi
m is e of Stte F
m’s t
cticsnd
on’t settlec
se fony less thn ou
clients deseve.
Fo
thise
son, one of Stte F
m’s t
icks is to do eveything it c
n to keep you fom
etining
ntto
ney toep
esent you.djuste
sill
ech out to you quickly
ftenccident, s
ooping inith
settlement offeth
t’sctu
lly f less thn you dese
ve. Inddition, they
ill ty to t
lk you out ofet
iningn
ttoney, telling you th
t doing soill only
educe themount of money you ultim
telyeceive.
ht they don’t tell you is th
t in most cses, the
epesent
tion ofl
ye
esults in signific
ntly <i>mo
e compenstion fo
victims, evenfte
fcto
ing intto
ney fees. Don’t tust the insu
nce
djustes; get
fee c
se evlu
tion fom
cccident
ttoney tod
y./ne s
oom.st
tefm.com2017-st
te-fm-finnci
l-esults/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>$63.9 billion in one ye
>
nd h
snet
oth of <
hef=”http://
.bodyshopbusiness.comst
te-fms-net-o
th-nely-100-billion-despite-2017-undeiting-loss/” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>mo
e thn $100 billion >. They’
e keeping th
t money out of the hnds of people
ho despetely need it to py fo
theib
sic needs, peopleho
e inju
ed though no f
ult of theio
n.ll the
hile, Stte F
m is p
yingcouple of Holly
oodcto
snd
n NFL quteb
ck to pefo
m in theicomme
cils.
This is
hy thetto
neysnd leg
l pofession
ls of Stet J. Guss, Inju
yccident L
ye
s, hve dedic
ted theic
ee
s to helping injued victims get the compens
tion they deseve.
e knoight fom
ong,
nde kno
ccident victims need help st
nding up to nmeless
nd fceless co
potionshose only p
ioity is thei
bottom line. Hee
e some of the specific
ys
n expeienced l
ye
cn help you get the compens
tion you deseve — f
om Stte F
m
nd otheinsu
nce comp
nies:- -level=”3″>P
otect youights du
ing the cl
ims pocess – If you suffe
edn inju
y inn
ccident, the insunce compny’s
djustes
ill not hesitte to t
kedv
ntge of you.
s discussedbove, they m
y pessu
e you intoele
sing ielevnt medic
leco
ds, ty to t
ick you into mking
sttement th
t indictes th
t youe
et f
ult foyou
ccident, o
even ty to get you to sign
yll of you
ights fo
pennies on the doll. The unfotun
tee
lity is tht they get
yith this kind of conduct on
dily b
sis. They del
ith insunce clims e
chnd eve
y dy,
nd you’e just
nothenumbe
to them. Most of the people they e deling
ithe
e nevehu
t inse
iousccident befo
end don’t h
ve the expeience to fight b
ck. Once youet
inn
ttoney
hoill h
ndlell
spects of youinsu
nce cl
im foyou, you
ill ensue th
t youights e fully potected
nd tht the insu
nce comp
ny te
ts you fi
ly.<li>
- i
-level="3">Dete
mine the
CTUL cost of you
injuies – Figu
ing out just homuch
cccident c
se hs cost you is
n EXTEMELY complic
ted tsk.
hile it my seem e
sy to detemine you
cuent medicl expenses, c
epi
bills,nd lost income,
ht
bout youfutu
e medicl expenses?
ht
bout youp
innd suffe
ing?n
ccident impcts
ll<i>
e
s of youlife. You
phone might've been lost ob
oken in theccident. You m
y need helpith cho
es ochildc
e. You
injuies m
yequi
e months of physicl the
py. In c
seshe
e victims e NEVEble toetu
n too
k, it’slso necess
y to figu
e out homuch income they
ould hve e
ned du
ing the couse of thei
entie c
ee
s,hich is much mo
e complicted th
n just tking
peson’s s
lynd multiplying it by the numbe
of yes they hd left befo
eeti
ement. Detemining the full v
lue ofc
ccident clim often
equies signific
nt legl
nlysis
nd thessist
nce ofctu
i
l pofession
ls.e’ve seen it
ll,nd
e'e he
e to help.ccident victims must
etin
ntto
ney befoe
cceptingsettlement offe
. Hoc
n you even begin to negotite
fi
settlement if you don’t even knoho
much youinju
ies hve cost you?
ost of
ll, once youccept
settlement, it’s nely impossible to go bck
nd ty to get
dditionl compens
tion. Vulneble victims only hve one ch
nce to get itight.
- i
-level="3">
ttempt to negoti
tef
isettlement offe
<b>– Fo
tuntely, the v
st mjo
ity of peson
l injuy c
ses settle out of cout.
henc
se settles, it mens th
t the insunce compny
ccepts tht its custome
sesponsible fo
theccident
nd pys the victim
ng
eed-uponmount of money in
etun fo
the victimele
sing the insunce compny
nd its customef
om futhe
libility.
eching
fi
settlementg
eement tkes both signific
nt negotition skills
ndn unde
stnding of the l
. P
ties
ho e unfmili
ith the pocess
e putting themselves
tdistinct dis
dvnt
ge if they choose toep
esent themselves in settlement negotitions. Luckily, the leg
l tem of Ste
t J. Guss, Injuy
ccident Lyes, consists of skilled negoti
tos
ho knoho
to get insunce compnies like St
te Fm to py up.
- i
-level="3">T
ke you
cse to t
il, if necess
y – In some c
ses, the insunce compny simply
efuses to mke
fi
settlement offe, even in light of demonst
ted losses
nd stong evidence th
tcustome
st f
ult.hen this occu
s, victims hve no choice but to t
ke theic
ses to cout.
t Stet J. Guss, Inju
yccident L
ye
s,e
e expe
iencednd
ggessive litig
tos
ho e nevefid to tke
cse to t
il
hen justice demnds it.
eon’t hesit
te to go upg
inst Stte F
m o
ny othe
lge insue
to get ouclients the compens
tion they leglly dese
ve.<li>
These
e just
feof the specific
ys th
tn expe
ienced cccident l
ye
cn help you n
vigte
Stte F
m c
ccident clim.
bovell,
emembeth
t the insunce compny is NOT on you
sidend
ill tke eve
y oppotunity it h
s to keeps much money f
om yous it c
n. In fct,
ithoutl
ye
, no one involved in the clims p
ocess is on youside, except you.
hen youet
in oul
fi
m, you’ll hve
tem of expe
ienceddvoc
tes in youco
neth
t knothe t
icks Stte F
m is going to t
y to use to minimize themount of compens
tion youecove
. Don’to
y;
e’e
lys thinking sevel stepshe
d./ .cnn.com
CNN/P
ogmsndeson.coope
.360blog/2007/02/insu
nce-comp
nies-fight-pying.html” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>CNN’s
ndeson Coope
<> didn excellent investig
tive piecebout the cl
ims hndling p
ocedues of St
te Fmnd
couple othem
joinsu
nce comp
nies.h
t it boiled don to
s this: St
te Fm s using the “Thee D”
ppo
ch, “Deny, Dely,
nd Defend<b>,” p
ticul
ly on
ht they conside
ed “loe
impct” (i.e. the most common) cl
ims. Bsic
lly, Stte F
m found th
t by fighting bck
s hds possible
ginst people m
king cccident cl
ims, it significntly inc
esed its p
ofit mgins. Injued c
ccident victims felt discougednd ove
helmed. Essenti
lly, Stte F
m
s exposed fo
mking it so h
d to pu
sue fi
compenstion th
t mny people
ould give up the fightnd just settle fo
the looffe
s. Stte F
m (
nd otheinsu
nce comp
nies) gued tht they needed to use such “h
db
ll” tctics to fight insu
nce f
ud, but the f
ct is tht only
vey tiny pe
centge of
utoccident cl
ims e fudulent. Becuse of St
te Fm’s tctics, m
ny innocent victims end up in finnci
luin.
Pe
sonlly, I c
nnot keep count of the numbeof times I’ve
epesented
cccident victim m
kingcl
img
inst Stte F
m
ho hs exp
essed shockt the
y they
e t
eted. “But it’s
ll those othepeople th
t ebusing the system. I’ve got
legitimte cl
imnd just
nt f
it
etment!”
Yep, I kno
—elcome to the
old of the “Th
ee D<i>s.”
Ho
C
n Iffo
dL
ye
foMy St
te Fm Cccident Cl
im?<b>
If you’
e fcing ove
helming medic
l expensesnd losing income bec
use youinju
y pevents you f
omo
king,et
iningn expensive
ttoney to
epesent you m
y seem likeb
d idet fist, especi
llyhen the insu
nce comp
ny is offeing you money to just settle the c
send move on.
Don’t f
ll into theit
p.
LYSet
inl
ye
toep
esent you.hethe
youc
se islmost ce
tin to settle o
it looks like it my he
d to ti
l, you needn expe
ienced cccident
ttoney by you
side in ode
to mximize you
ecove
ymount.
The
elity is the
e is ZEO fin
ncil
iskssoci
tedith
etining one of the expe
ienced <h
ef="https:/c
inju
yvictims.comtx/”>pe
sonl inju
ytto
neys<>t Ste
t J. Guss, Injuy
ccident Lyes.
e offecompletely f
ee <b>consult
tions.e
ill listen to youside of the sto
ynd dete
minehethe
you hve
<h
ef="https:/c
inju
yvictims.comse
vicesinsu
nce-cl
ims-lye/”>leg
l clim >.
est
ssued you
e completely f
ee to shop oundnd consult othe
l fims
fte consulttion
ith us,nd
e chge no fee fothe consult
tion,hethe
you choose us onothefi
m toep
esent you. Inddition,
ith ouNO
IN, NO FEE GUNTEE,
eill neve
collectny leg
l fees fom you unless
e successfullyecove
settlement o
d on youbeh
lf. Tht’s
ight: ife don’t obt
in compenstion fo
you, youill o
e us nothing fothe
epesent
tionnd counsel
e povided. By using
contingent fee ngement,e’
eble to p
ovide legl
epesent
tion to eveyone
ho needs it, even if they e unble to p
y fo lyeupf
ont. Getf
ee cse ev
lution by
eching out to ou
tem
SP!
