Secrets of State Farm Car Accident Claims 2021 - Stewart J. Guss, Injury Accident Lawyers

e’ll be upf

ont

ith you: The

e’s one m

sec

et eve

yone de

ling

ith

te Fm c

ccident cl

im needs to knoight no

. Eve

y single insunce comp

ny h

s one thing in common: They nt to p

y you

s little

s possible. It’s not pe

son

l, it’s just ho

they m

ke money. They ch

ge monthly p

emiums—

hich most custome

s dutifully p

y e

ch month—only to t

y to dodge p

ying out

hen inju

ed people t

uly need help.

st ye <

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te Fm’s net

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by mo

e th

n $10 billion. The t

ick to gene

ting m

ximum p

ofit

n insu

nce comp

ny is to t

ke in

s much

s you c

n in p

emiums,

nd p

y out

s little

s you c

n in cl

ims.

in, it’s not specific to St

te Fm; it’s simple m

th.

n insunce comp

ny is

business,

nd like

ny othe

, St

te Fm is the

e to m

ke money. If you nt

“good neighbo

,” I’m soy, but you’

e going to h

ve to move in next doo

to M

oge

s! If you don’t nt St

te F

m to tu

ofit by unde

ying YOU

im, keep

ding.

e’ll let you in on

sec

ets of St

te F

m, tell you ho

void getting t

ken

ge of, plus let you kno

to m

ximize you

ccident settlement. <

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l l

m b

sed in Houston

ith multiple offices ound the count

lso

ith

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ms in most st

tes th

t sh

e ou

focus

nd dedic

tion to excellence. No m

tte

e you e loc

ted,

e m

y be

ble to help you, so c

ll o

cont

ct us no

e open, fo

ee, 24 hou

y, seven d

eek,

t 800-898-4877, o

you m

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ct us no

by [<

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se foevie

St
te F

m Insu

nce Cl
ims Sec
et #1: P
ssing the Buck

Despite
ll the “good neighbo
” m

keting f
equently p
esented in television
ds by <
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ysbe
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c
demy

d-
inning
cto
J.K. Simmons<>, o
G
een B
y P
cke
s supe
st qute
b
ck
on
odge
s, St
te Fm is not the
e to be you
f
iend, be you
neighbo
, o
lo
n you
cup of sug
hen you’
e b
king cookies
ith the kids. It’s
gi
nt comp
ny th
t exists to m
ke money, nothing mo
e
nd nothing less. The fi
st sec
et of de
ling
ith
St
te Fm c
ccident cl
im is to find out
ho you

djuste
is. If you find out th
t you
cl
im s h
nded to
“Te
m” of
djuste
s (such
s the noto
ious “Te
m 22”), in my expe
ience, you c
n be su
e of one thing— St
te Fm
ill NOT offe
you
f
i
v
lue fo
you
cl
im. If St
te Fm
ssigns you
cl
im to
“te
m” of
djuste
s, it me
ns the comp
ny conside
s it
lo
e
v
lue
lo
eisk cl
im
nd it is going to lo
b
ll you eve
y step of the

y.
“te
m”
djustessignment me
ns St
te Fm conside
s you
s
“mino
”
ccident ve
sus
m
jo
inju
y cl
im.
hile
ll of the
djuste
s h
ve the s
me go
l in mind—to p
y you
s little
s possible—the te
m
djuste
s h
ve the ve
y lo
est levels of
utho
ity
nd e only
ble to m
ke lo
-doll

offe
s on
ny cl
im. Typic
lly spe
king, if you end up h
ving to file
lsuit, St
te F

m
ill
e
ssign you
cl
im to
dedic
ted individu
l
djuste
highe
up on the l
dde
.
hile this is no gu
ntee of
n inc
e
se in the settlement offe
, typic
lly St
te Fm
ill up its offe
once you file
l

suit.

St
te Fm Insunce Cl
ims Sec
et #2: Using Youo
ds
g
inst You

The next sec
et of de
ling
ith St
te F

m pe
t
ins to
eco
ded st
tements—specific
lly, th
t you do not h
ve to give one!

To cl

ify,
hen you e m
king
cl
im
g
inst the pe
son
ho hit you
c (
h
t
e c
ccident
tto
neys c
ll
“thi
d p

ty cl
im”), you e not oblig
ted to give eco
ded st
tement to the St
te F

m
djuste
. Be
e: they m
y t
y to beh
ve
s if this is
“
equi
ed” p

t of the cl
ims p
ocess. Kno
youights; don’t f
ll fo
this t
ick.
hen I
ep
esent someone
ho

s inju
ed in
c
ccident
nd I’m up
g
inst St
te Fm, I
ill deny the
equest fo
eco
ded st
tement
bout 95% of the time.
hy do they
e
lly need it? If they h
ve questions
bout the f
cts of the
ccident, they c
n check the police
epo
t. If they h
ve questions
bout you
inju
ies, they c
n look
t the complete copies of medic
l
eco
ds
nd bills sent to them
fte
you complete you
t
e
tment. It’s
ll the
e in bl
ck
nd
hite. The e
l
e
son the St
te Fm
djuste
nts to t
ke
ve
b
l
eco
ded st
tement f
om you is simple. They h
ve
list of le
ding questions they’
e going to
sk. These questions

e designed to p
oduce
ns
e
s th
t
ill best suit the insu

nce comp
ny’s needs,
nd
o
k
g
inst you
nd you
fin
nci
l
ecove
y.

Fo
ex
mple, they

e less likely to m
ke
n open-ended st
tement, such
s “Tell me
bout
ll of you
inju
ies.”

the
, they m
y
sk something like, “Ho
e you feeling tod
y?” This question seems innocuous but it is designed fo
you to give the
eflexive
ns
e
of “Fine.” If you go b
ck
nd ch
nge you
sto
y l
te
, they h
ve you “on
eco
d” s
ying you
e
e “fine,”
nd they
ill use
h
t you s
id
g
inst you! Keep in mind, m
ny times people feel
lot
o
se
d
y o
t
o
fte

collision.
d
en
line f
om
c
ccident m
sks some of you
p
in initi
lly. You m
y give

eco
ded st
tement to
St
te F

m
djuste
the d
y of the
ccident, in
dve
tently s
y th
t you

e “ok
y,” but feel so much p
in the next d
y you c
n’t even get out of bed. This is
hy it’s impo
t
nt to tch
h
t you s
y, o
bette
yet, di
ect
ll communic
tion to you
l

ye
inste
d.

Bottom line: The
e is no leg
l
equi
ement th
t you must give eco
ded st
tement
hen m
king
thi
d pty c
ccident inju
y cl
im
g
inst St
te Fm! Don’t let the insunce
djuste
s p
essu
e you into it.
St
te F

m Insu

nce Cl
ims Sec
et #3: Citing P
e-Existing Conditions
nothe
thing th
t St
te F

m
ill do to keep compens
tion out of the h
nds of the people
ho
ightfully dese
ve it is to go digging into thei
p
st to find
nything th
t could justify
educing o
even completely denying
cl
im. St
te F

m
ccomplishes this by m
king un
e
son
bly b
o
d medic
l
eco
d
equests
nd going th
ough you
files
ith
fine-toothed comb, even if they

e dec
des old. They’
e looking fo

nything th
t could qu
lify
s
p
e-existing condition,
hich they
ill use to inv
lid
te you
p
in
nd suffe
ing. Thus, the thi
d sec
et of h
ndling
cl
im
ith St
te F

m insu

nce is th
t you must t
ke g
e
t c

e
ith the medic
l
eco
ds you h
nd ove
. Fo
best
esults, h
ve the leg
l te
m
t Ste
t J. Guss, Inju
y
ccident Lye
s, c

efully
evie
eve
y
equest fo
medic
l
eco
ds m
de by the insunce comp
ny. St
te Fm is not entitled to you
full medic
l histo
y.

Let’s conside

situ
tion in
hich
c
ccident victim sust
ined ext
emely se
ious inju
ies in

e

-end collision
nd is suffe
ing f
om debilit
ting neck p
in. If
n insu

nce comp
ny c
tches
ind of
20-ye

old neck inju
y th
t occu

ed
hile the victim s pl
ying socce
in high school, it m
y
ttempt to use it
s
y to justify
educing the compens
tion it offe
s the victim. Fo
this
e
son, neve
give the insu

nce comp
ny
utho
iz
tion to
equest medic
l
eco
ds on you
beh
lf. Deny
ny
equests fo

eco
ds th
t seem ove
b
o
d o
like they m
y not
el
te to youccident.
hen you
et
in the te
m
t Ste
t J. Guss, Inju
y
ccident Lye
s,
e
ill h
ndle
ll communic
tions
ith the insu

nce comp
ny fo
you.
e m
ke su
e they only obt
in medic
l
eco
ds th
t

e
elev
nt to you
c
se
nd the situ
tion
t h
nd.
e kno fishing expedition
hen
e see it,
nd
e
lso kno
ho
to t
ke steps to fully p
otect ou
clients’
ights eve
y step of the y.
e

nt you to
void unnecessy st
ess
nd focus on getting b
ck to you
d
ily life.

St
te Fm Insunce Cl
ims Sec
et #4: Stubbo
n St
lling

The fou
th sec
et of h
ndling
c

insu

nce cl
im involves
ecognizing
nothe
one of St
te Fm’s sne
ky t
ctics. St
te F

m
nd othe
insu

nce comp
nies e
ell

e of the fin
nci
l p
essu
es th
t
ccident victims f
ce. Fo
this
e
son, they often t
ke thei
s
eet time
hen it comes to p
ocessing
cl
im. They kno
victims’ medic
l bills e piling up
ith eve
y p
ssing d
y
ithout
y to p
y. The medic
l expenses
ssoci
ted
ith
c
ccident c
n cost hund
eds of thous
nds of dolls,
hich could e
sily b
e
k the b
nk fo
most people in the United St
tes.

Fu
the
mo
e, m
ny c
ccident victims c
nnot
o
k fo

eeks o
even months, le
ving them
ithout
ny income to cove
thei
eve
yd
y expenses like
ent o
mo
tg
ge p
yments, food, medicine,
nd othe
bills.
hen you
f
mily is in se
ious fin
nci
l jeopdy, you'
e mo
e likely to f
ll fo
p
lt
y offe
s f
om St
te F

m. They kno
this,
nd they don’t c

e ho
p
ed
to
y it is. The unfo
tun
te
e
lity is th
t insunce comp
nies
ill use
nything to thei

dv
nt
ge, including you
vulnebility
fte

dev
st
ting inju
y. They’
e

e th
t victims e much mo
e likely to
ccept
lo
settlement offe

hen they’
e sting
t
pile of unp
id bills
nd h
ven’t e

ned
ny money bec
use of thei
inju
ies.

So they

it. They

it until they kno
th
t victims

e so despe

te th
t they’ll
ccept
ny offe
to
llevi
te thei
fin
nci
l hdship… even if it’s f less th
n
h
t they
e
lly dese
ve oh
t thei
inju
ies h
ve cost them. Victims must unde
st
nd thei
options to m
n
ge p
e-settlement expenses. The
e’s no need to
ush into
ccepting
sub-st
nd

d settlement offe
.
t Ste
t J. Guss, Inju
y
ccident Lye
s,
e seek to empo
e
c
ccident victims like you.
e unde
st
nd the p
essu
es you’
e f
cing,
nd
e do eve
ything
e c
n to ensu
e th
t the insu

nce comp
ny t
e
ts you f
i
ly.
e fight fie
cely to obt
in the compens
tion you dese
ve in
timely m
nne
.
e kno
the t
icks insu

nce comp
nies t
y to pl
y,
nd
e c
n see them coming f
om
mile
y. Fo
this
e
son,
e c
n help you
void them
nd let St
te Fm knoe me
n business f
om the outset of you
cl
im. If they
efuse to pl
y b
ll,
e
on’t hesit
te to file
l

suit to get you the compens
tion th
t you need!

St
te Fm Insunce Cl
ims Sec
et #5: T
lking You Out of Leg
l
ep
esent
tion

You kno

ho St
te Fm
djuste
s h
te de
ling
ith? Expe
ienced pe
son
l inju
y l

ye
s like the ones he
e
t Ste
t J. Guss, Inju
y
ccident L

ye
s. This is bec
use they kno
ou
fi
m is e of St
te F

m’s t
ctics
nd
on’t settle
c
se fony less th
n ou
clients dese
ve.

Fo
this
e
son, one of St
te F

m’s t
icks is to do eve
ything it c
n to keep you f
om
et
ining
n
tto
ney to
ep
esent you.
djuste
s
ill
e
ch out to you quickly
ften
ccident, s
ooping in
ith
settlement offe
th
t’s
ctu
lly f less th
n you dese
ve. In
ddition, they
ill t
y to t
lk you out of
et
ining
n
tto
ney, telling you th
t doing so
ill only
educe the
mount of money you ultim
tely
eceive.
h
t they don’t tell you is th
t in most c
ses, the
ep
esent
tion of
l

ye

esults in signific
ntly mo
e compens
tion fo
victims, even
fte
f
cto
ing in
tto
ney fees. Don’t t
ust the insu

nce
djuste
s; get
f
ee c
se ev
lu
tion f
om
c
ccident
tto
ney tod
y.
/ne
s
oom.st
tefm.com
2017-st
te-fm-fin
nci
l-
esults/” t

get=”_bl
nk"
el=”noopene
no
efe

e
nofollo
“>$63.9 billion in one ye

>
nd h
s
net
o
th of <
h
ef=”http://
.bodyshopbusiness.com
st
te-fms-net-
o
th-nely-100-billion-despite-2017-unde
iting-loss/” t

get=”_bl
nk"
el=”noopene
no
efe

e
nofollo
“>mo
e th
n $100 billion >. They’
e keeping th
t money out of the h
nds of people
ho despetely need it to p
y fo
thei
b
sic needs, people
ho

e inju
ed th
ough no f
ult of thei
o
n.
ll the
hile, St
te F

m is p
ying
couple of Holly
ood
cto
s
nd
n NFL qute
b
ck to pe
fo
m in thei
comme
ci
ls.

This is
hy the
tto
neys
nd leg
l p
ofession
ls of Ste
t J. Guss, Inju
y
ccident L

ye
s, h
ve dedic
ted thei
c

ee
s to helping inju
ed victims get the compens
tion they dese
ve.
e knoight f
om

ong,
nd
e kno

ccident victims need help st
nding up to n
meless
nd f
celess co
potions
hose only p
io
ity is thei
bottom line. He
e

e some of the specific

ys
n expe
ienced l

ye
c
n help you get the compens
tion you dese
ve — f
om St
te F

m
nd othe
insu

nce comp
nies:

-level=”3″>P
otect youights du
ing the cl
ims p
ocess – If you suffe
ed
n inju
y in
n
ccident, the insunce comp
ny’s
djuste
s
ill not hesit
te to t
ke
dv
nt
ge of you.
s discussed
bove, they m
y p
essu
e you into
ele
sing ielev
nt medic
l
eco
ds, t
y to t
ick you into m
king
st
tement th
t indic
tes th
t you
e
e
t f
ult fo
you

ccident, o
even t
y to get you to sign
y
ll of you

ights fo
pennies on the doll. The unfo
tun
te
e
lity is th
t they get
y
ith this kind of conduct on
d
ily b
sis. They de
l
ith insunce cl
ims e
ch
nd eve
y d
y,
nd you’
e just
nothe
numbe
to them. Most of the people they e de
ling
ith
e
e neve
hu
t in
se
ious
ccident befo
e
nd don’t h
ve the expe
ience to fight b
ck. Once you
et
in
n
tto
ney
ho
ill h
ndle
ll
spects of you
insu

nce cl
im fo
you, you
ill ensu
e th
t youights e fully p
otected
nd th
t the insu

nce comp
ny t
e
ts you f
i
ly.<
li>

i
-level="3">Dete
mine the
CTU
L cost of you
inju
ies – Figu
ing out just ho
much
c
ccident c
se h
s cost you is
n EXT
EMELY complic
ted t
sk.
hile it m
y seem e
sy to dete
mine you
cuent medic
l expenses, c
ep
i
bills,
nd lost income,
h
t
bout you
futu
e medic
l expenses?
h
t
bout you
p
in
nd suffe
ing?
n
ccident imp
cts
ll

e
s of you
life. You
phone might've been lost o
b
oken in the
ccident. You m
y need help
ith cho
es o
childc

e. You
inju
ies m
y
equi
e months of physic
l the

py. In c
ses
he
e victims e NEVEble to
etu
n to
o
k, it’s
lso necess

y to figu
e out ho
much income they
ould h
ve e

ned du
ing the cou
se of thei
enti
e c

ee
s,
hich is much mo
e complic
ted th
n just t
king
pe
son’s s
ly
nd multiplying it by the numbe
of yes they h
d left befo
e
eti
ement. Dete
mining the full v
lue of
c
ccident cl
im often
equi
es signific
nt leg
l
n
lysis
nd the
ssist
nce of
ctu

i
l p
ofession
ls.
e’ve seen it
ll,
nd
e'
e he
e to help.
ccident victims must
et
in
n
tto
ney befo
e
ccepting
settlement offe
. Ho
c
n you even begin to negoti
te
f
i
settlement if you don’t even kno
ho
much you
inju
ies h
ve cost you?
o
st of
ll, once you
ccept
settlement, it’s nely impossible to go b
ck
nd t
y to get
ddition
l compens
tion. Vulneble victims only h
ve one ch
nce to get it
ight.

i
-level="3">ttempt to negoti
te
f
i
settlement offe
– Fo
tun
tely, the v
st m
jo
ity of pe
son
l inju
y c
ses settle out of cou
t.
hen
c
se settles, it me
ns th
t the insunce comp
ny
ccepts th
t its custome
s
esponsible fo
the
ccident
nd p
ys the victim
n
g
eed-upon
mount of money in
etu
n fo
the victim
ele
sing the insunce comp
ny
nd its custome
f
om fu
the
li
bility.
e
ching
f
i
settlement
g
eement t
kes both signific
nt negoti
tion skills
nd
n unde
st
nding of the l

. P

ties
ho e unf
mili
ith the p
ocess

e putting themselves
t
distinct dis
dv
nt
ge if they choose to
ep
esent themselves in settlement negoti
tions. Luckily, the leg
l te
m of Ste
t J. Guss, Inju
y
ccident Lye
s, consists of skilled negoti
to
s
ho kno
ho
to get insunce comp
nies like St
te Fm to p
y up.

i
-level="3">T
ke you
c
se to t
i
l, if necess

y – In some c
ses, the insunce comp
ny simply
efuses to m
ke
f
i
settlement offe
, even in light of demonst

ted losses
nd st
ong evidence th
t
custome
s
t f
ult.
hen this occu
s, victims h
ve no choice but to t
ke thei
c
ses to cou
t.
t Ste
t J. Guss, Inju
y
ccident L

ye
s,
e

e expe
ienced
nd
gg
essive litig
to
s
ho e nevefid to t
ke
c
se to t
i
l
hen justice dem
nds it.
e
on’t hesit
te to go up
g
inst St
te F

m o

ny othe
lge insu
e
to get ou
clients the compens
tion they leg
lly dese
ve.<
li>

These

e just
fe
of the specific

ys th
t
n expe
ienced c
ccident l

ye
c
n help you n
vig
te
St
te F

m c
ccident cl
im.
bove
ll,
emembe
th
t the insunce comp
ny is NOT on you
side
nd
ill t
ke eve
y oppo
tunity it h
s to keep
s much money f
om you
s it c
n. In f
ct,
ithout
l

ye
, no one involved in the cl
ims p
ocess is on you
side, except you.
hen you
et
in ou
l

fi
m, you’ll h
ve
te
m of expe
ienced
dvoc
tes in you
co
ne
th
t kno
the t
icks St
te F

m is going to t
y to use to minimize the
mount of compens
tion you
ecove
. Don’t
o

y;
e’
e
lys thinking sevel steps
he
d.
/
.cnn.com
CNN/P
ogmsnde
son.coope
.360
blog/2007/02/insu

nce-comp
nies-fight-p
ying.html” t

get=”_bl
nk"
el=”noopene
no
efe

e
nofollo
“>CNN’s
nde
son Coope
<> did
n excellent investig
tive piece
bout the cl
ims h
ndling p
ocedu
es of St
te Fm
nd
couple othe
m
jo
insu

nce comp
nies.
h
t it boiled do
n to

s this: St
te Fm s using the “Th
ee D”
pp
o
ch, “Deny, Del
y,
nd Defend,” p

ticul

ly on
h
t they conside
ed “lo
e
imp
ct” (i.e. the most common) cl
ims. B
sic
lly, St
te F

m found th
t by fighting b
ck
s hd
s possible
g
inst people m
king c
ccident cl
ims, it signific
ntly inc
e
sed its p
ofit mgins. Inju
ed c
ccident victims felt discouged
nd ove

helmed. Essenti
lly, St
te F

m

s exposed fo
m
king it so h

d to pu
sue f
i
compens
tion th
t m
ny people
ould give up the fight
nd just settle fo
the lo
offe
s. St
te F

m (
nd othe
insu

nce comp
nies) gued th
t they needed to use such “h

db
ll” t
ctics to fight insu

nce f

ud, but the f
ct is th
t only
ve
y tiny pe
cent
ge of
uto
ccident cl
ims e fudulent. Bec
use of St
te Fm’s t
ctics, m
ny innocent victims end up in fin
nci
l
uin.

Pe
son
lly, I c
nnot keep count of the numbe
of times I’ve
ep
esented
c
ccident victim m
king
cl
im
g
inst St
te F

m
ho h
s exp
essed shock
t the

y they

e t
e
ted. “But it’s
ll those othe
people th
t e
busing the system. I’ve got
legitim
te cl
im
nd just

nt f
i
t
e
tment!”

Yep, I kno
—
elcome to the
o
ld of the “Th
ee Ds.”

Ho
C
n I
ffo
d
L

ye
fo
My St
te Fm C
ccident Cl
im?

If you’
e f
cing ove

helming medic
l expenses
nd losing income bec
use you
inju
y p
events you f
om
o
king,
et
ining
n expensive
tto
ney to
ep
esent you m
y seem like
b
d idet fi
st, especi
lly
hen the insu

nce comp
ny is offe
ing you money to just settle the c
se
nd move on.

Don’t f
ll into thei
t

p.
LYS
et
in
l

ye
to
ep
esent you.
hethe
you
c
se is
lmost ce
t
in to settle o
it looks like it m
y he
d to t
i
l, you need
n expe
ienced c
ccident
tto
ney by you
side in o
de
to m
ximize you

ecove
y
mount.

The
e
lity is the
e is ZE
O fin
nci
l
isk
ssoci
ted
ith
et
ining one of the expe
ienced <
h
ef="https:
/c

inju
yvictims.com
tx/”>pe
son
l inju
y
tto
neys<>
t Ste
t J. Guss, Inju
y
ccident Lye
s.
e offe
completely f
ee consult
tions.
e
ill listen to you
side of the sto
y
nd dete
mine
hethe
you h
ve
<
h
ef="https:
/c

inju
yvictims.com
se
vices
insu

nce-cl
ims-lye
/”>leg
l cl
im >.
est
ssu
ed you

e completely f
ee to shop ound
nd consult othe
l fi
ms
fte consult
tion
ith us,
nd
e chge no fee fo
the consult
tion,
hethe
you choose us onothe
fi
m to
ep
esent you. In
ddition,
ith ou
NO
IN, NO FEE GU
NTEE,
e
ill neve
collect
ny leg
l fees f
om you unless
e successfully
ecove

settlement o
d on you
beh
lf. Th
t’s
ight: if
e don’t obt
in compens
tion fo
you, you
ill o
e us nothing fo
the
ep
esent
tion
nd counsel
e p
ovided. By using
contingent fee ngement,
e’
e
ble to p
ovide leg
l
ep
esent
tion to eve
yone
ho needs it, even if they e un
ble to p
y fo lye
upf
ont. Get
f
ee c
se ev
lu
tion by
e
ching out to ou
te
m
S
P!

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Car Accidents in Company Vehicles: Determining Liability
Secrets of Zurich Insurance Claims EXPOSED

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Testimonials
"Mr. Guss & his team significantly exceeded my expectations and the net settlement I received was more than triple... - Norman B. View All Testimonials

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SECRETS of State Farm Car Accident Claims Handling Exposed!

St
te F

m Insu

nce Cl
ims Sec
et #1: P
ssing the Buck<
b>

St
te Fm Insunce Cl
ims Sec
et #2: Using Youo
ds
g
inst You

St
te F

m Insu

nce Cl
ims Sec
et #3: Citing P
e-Existing Conditions<
b>

St
te Fm Insunce Cl
ims Sec
et #4: Stubbo
n St
lling<
b>

St
te Fm Insunce Cl
ims Sec
et #5: T
lking You Out of Leg
l
ep
esent
tion

Ho
C
n I
ffo
d
L

ye
fo
My St
te Fm C
ccident Cl
im?<
b>

Testimonials

Stte F m Insu nce Cl ims Secet #1: P ssing the Buck<b>

St te Fm Insunce Clims Sec et #2: Using Youods ginst You

Stte F m Insu nce Cl ims Secet #3: Citing P e-Existing Conditions<b>

St te Fm Insunce Clims Sec et #4: Stubbon St lling<b>

St te Fm Insunce Clims Sec et #5: Tlking You Out of Leg l ep esenttion

Ho C n I ffo d L ye fo My St te Fm C ccident Cl im?<b>

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