.com/mcontent/st
tic_ssets/Medi
US
_F
ct_Sheet_By_the_numbes.pdf” t
get=”_bl
nk"el=”noopene
noefe
e
nofollo“>
ecent filing<>. Theiexecutives enjoy
nnul p
ycheckso
th millions—US’s CEO just got<
hef=”https://
.mysn
ntonio.combusiness/loc
lticle/US
-CEO-P
ke
-sees-big-py-boost-fo
-2017-12736610.php" tget="_blnk”
el="noopeneno
efeenofollo
">$1.3 million ise<>!—nd they
ould like to keep it tht
y.
US
, like
ll insunce compnies, m
kes money by collecting pemiums f
om its customes—in US
’s c
se, the bve mennd
omen of oumilit
y—
nd pying out
s littles possible on cl
ims, leving ou
soldies unp
otected. To US, it doesn’t mtte
tht thei
ongful denil o
“lob
ll” offes on <
hef=”https://c
inju
yvictims.comc
–
ccident-clim-
oth/”>c
ccident clims
> leve thei
customes f
cing unnecessy lsuits. This is hoUS
m
kes money off of vulneble victims. They tke in
s muchs possible in p
emiums,nd p
y outs little
s possible in clims.
Ou
dvice to you?
lysem
in skepticl
hen it comes to settlement offes
nd negotitions
ith US,nd hi
en expe
iencedtto
ney toep
esent yound m
ximize yousettlement. If you
e de
lingith US
Insu
nce, c
ll usight no
fo fee consult
tiont 800-898-4877 o
<h
ef="https:/c
inju
yvictims.comcont
ct-us/”>cont
ct us by clicking HEE
> to discuss youc
se fof
ee.SEC
ET #2 – US
djustes H
ve Ticks to Limit You
Pyout hen you file
n insu
nce cl
im, USill
ssign youcl
im tospecific
djuste. The job of these
djustes is not to t
ke ce of clim
nts, but to minimize<i> p
yments inny
y possible, by
ny mens necess
y. Ho
eve, the
djustes don’t
nt you to kno
this. In fct, they h
ve mny t
ctics to mke you believe th
t they e on youside, not the side of US
.
djustes t
y to gin you
tust in multiple
ys. Fi
st, theyill simply tell you th
t you don’t need to cll
lyebec
use they e hee to help you. They’ll m
ke you believe tht the cl
ims pocess is not
ndve
sil one, so
hyould you need
ntto
ney? This is becuse it’s e
sieto get un
epesented cl
imnts to
ccept lob
ll offes.
Then,
djustes
ill ty to get you to m
ke ecoded st
tement. You e not obligted to p
ovide ecoded st
tement.<b>
hile it is oky to give
djustes you
bsic cont
ct infom
tion, it’sl
ys
isky to discuss youccident oinju
iesith them
ithout thessist
nce ofn
ttoney. They
en’t
elly inte
ested in heing youside of the sto
y. Insted, they
e listening fo
nything you s
y tht might help them lo
eo
deny youcl
im! Considethe follo
ing scenio:- -level=”1″>
n
djuste
gives youc
ll, youg
ee to mke
eco
ded sttement,
nd you tell themh
t youemembe
bout the c
sh.
- i
-level="1">The
djuste
csu
llysks
hen youe
lizedc
sh
s
bout to hppen.
- i
-level="1">You s
y, “I looked do
nt my GPS fo
second
nd the c just cme out of no
hee.”
- i
-level="1">The
djuste
thenlleges in US
’s d
tent
y system tht you
ee dist
cted
nd, theefo
e, ptly to blme. They cl
im theiinsu
ed s only ptilly li
ble, so you should onlyeceive
pecent
ge of compenstion fo
youlosses.
Finding
esons to ch
llenge the policyholde’s li
bility isve
y common y toeduce
settlement offe.
djustes m
ylso find
ys to question the seve
ity of youinju
ies, suchs:
- i
-level="1">You
g
ee tophone
ecoding,
nd thedjuste
sks
bout youinju
ies.<li>
- i
-level="1">You tell them you
b
ck injuy keeps you f
om doing youjob,
equies ongoing physic
l thepy,nd c
uses you immense pin.
- i
-level="1">Unde
the guise of m
king smll t
lk, thedjuste
lte
sks
ht you h
ve plnned fo
the dy. You
eply tht you just need to do l
undy
nd get some goce
ies.<li>
- i
-level="1">The
djuste
then notes tht you
injuies don’t keep you f
om completing youeve
ydy t
sks, so youp
in must not bes se
iouss you cl
im. Futhe
, s ite
lly necessy to misso
k if you cn d
ivend c
y goce
ies?<li>
In this
y, you
seemingly hmless comments cn le
d tosignific
nteduction in you
settlement offe.
lys undest
nd tht
henn
djustetells you they
e on you
side oth
t they just need ecoded st
tement to speed up youcl
im pocess, these
e t
icks<i> to help them
educe youp
yment. This is pt of theijob, so you should neve
tust th
t theyill h
ve youbest inte
ests in mind. Don’t give tht
ecoded st
tement! <b>Bette
yet, let oute
m of expeienced
ttoneys do the t
lking foyou. If you
e de
lingith US
Insu
nce, c
ll usight no
fo fee consult
tiont 800-898-4877 o
<h
ef="https:/c
inju
yvictims.comcont
ct-us/”>cont
ct us by clicking HEE
> to discuss youc
se fof
ee.SEC
ET #3 – Del
ys e Pt of US’s Gme
No one likes to pl
y the iting gme, but consequences c
n be especilly di
e foc
ccident victims. US knos this,
nd they’e hoping they c
n foce you to settle p
emtu
ely.hile you
tch you
medicl bills pile up, you
stess level
illise
sell. If you’
e missingo
k, losing tht income c
n tho
youenti
e budget offnd you might be st
uggling to coveyou
bsic household expenses. It’s only n
tul to ntcheck in you
hnd
s soons possible!
US
kno
s the stesses th
t c csh victims fce,
nd the ugency of thei
finnci
l situtions. The comp
ny then uses this to theidvnt
ge. In mny situ
tions,US
djusteillequest documents f
om you, thenequest mo
e documents oeven the s
me<i> documents
gin. This inconveniences you, su
e, but itlso del
ys the clim p
ocess.t fi
st, you my he
f
om thedjuste
ech d
y oeven seve
l times
dy. Then, the c
lls my
buptly stop
nd you my be un
ble to get thedjuste
on the phonet
ll. This leves you in the d
k, un
e of
ht’s h
ppeningith you
settlementnd
ith no ideof ho
long the insunce clim p
ocessill t
ke. It’s no sup
ise tht cl
imnts become imp
tientnd
nt to do
nything they cn to get thei
pyment
SP.
By o
chestting these delys, US
kno
s you’ll get fust
ted. You’ll get
nxious. You’ll be moe
illing toccept
ny<i> offe
they put on the tble. This is yet
nothet
ick they use to convince you toccept much less th
n youctu
lly deseve.
hile gettingcheck
s fst
s possible my seem like the best decision in you
sitution, it c
n bedev
stting move to t
ke the fist offe
. If the offeis too lo
, it cn le
ve youith much bigge
finnci
l poblems in the long
un. In some cses,
ndjuste
ill
ddess the issue of del
ysight f
om the stt. They’ll tell you tht the p
ocess cn often t
ke some time, but they cn speed it up just fo
you<i> if you
gee to
ccept the fist settlement offe
. Tust us, this is not
pomise
eseved “just fo
you.” It’scommon m
nipultion t
ctic to get people tog
ee toccept
n offe, not
elizing th
t offeill be much<i> lo
eth
n they expected. Tht b
ings us to…SEC
ET #4 –
tch Out fo
Unfi
Settlement Offes
Like m
ny insunce compnies, US
djustes use
computep
ogm to evlu
te clims
nd mke settlement offe
s. Yes—youe
d tht
ight. Insted of
peson deciding you
fte, they le
ve it up tocompute
<i>! They s
y this mkes fo
f
ind efficient clims h
ndling pocess, but the t
uth is those computes
e p
ogmmed too
kg
inst<i> victims m
king clims. They
e specific
lly designed to offeext
emely losettlement offe
s on legitimte c
ccident clims.
hen you filecl
im,djuste
sill put you
medicl bills
ndeco
ds into the pog
m,
hichill then give
n estimte fo
compenstion fo
youlosses. These estim
tes el
ys lo
becuse these p
ogms undeestim
te themount you
e o
ed foc
tegoies of d
mges fo
hich the
e is no set vlue (unlike
medicl bill.) Some of these d
mge elements include:
- i
-level="1">P
in
nd suffeing
- i
-level="1">PTSD symptoms<
li>
- i
-level="1">P
st
nd futue dis
bilitynd disfigu
ement<li>
- i
-level="1">Loss of conso
tium
- i
-level="1">Loss of enjoyment of life<
li>
- i
-level="1">Futu
e e
ning c
pcity
The compute
pog
m c
nnot spek to you on the phone o
sk you pe
sonlized questions. It
ill nevet
uly undest
ndh
t you’e going th
ough. Insted, it b
ses its decisions onp
e-pog
mmed
lgoithm—one th
t is intended to undev
lue clims
nd mximize US
’s p
ofits! Oul
ye
s undest
nd tht people
e not
obots,nd they should not h
ve theicl
ims decided bycompute
. You my not kno
homuch money you’
e entitled to, but it’s oujob to find out!
Some people m
yeceive
settlement offef
om USnd
ssume tht it’s the most they’ll get. This is not
tll the c
se,nd by
cceptingfi
st offe, you
ill give up youights to seekny mo
e money in the futue.
hee
ill you tun once you
elize you’ve been che
tednd you
ccident-
elted expenses continue to pile up? In this situ
tion, the insunce compny
ins by pying out
s littles possible!
Befo
e you even spek to
USdjuste
, you should immeditely cont
ctn
uto insuncetto
neyho kno
s hothis comp
nyo
ks. Don’t givest
tement, don’t signnything,
nd don’t tke ch
nces!e’
e open 247, so c
ll usight no
fo fee consult
tiont 800-898-4877 o
<h
ef="https:/c
inju
yvictims.comcont
ct-us/”>cont
ct us by clicking HEE
> to discuss youc
se fof
ee.SEC
ET #5 – US
Lo
blls Its O
n Insueds on Uninsu
ed Motoists
nd PIP Clims
If you
e
US policyholdeho needs to filen uninsu
ed ounde
insued moto
ist clim, o
tun in
PIP clim fo
youmedic
l bills, you my think th
t USill m
ke the pocess e
siefo
you becuse you p
y pemiums
nd my even be
membeof the milit
y o
f
mily membe.
Think
gin.
US
—like othe
insunce compnies—
ill often fightg
inst these clims. Thei
pt
iotism endsith thei
pofit m
gins.
If you
e
US customend youe
e inhit
ndun
ccident on uninsued d
ivehit you, you
ill still need to fightn uphill b
ttle even though you e filingcl
imith you
on insu
e. In some c
ses, you my even need to file
lsuitg
inst US if itefuses to offe
the fullmount of you
uninsued moto
ist clim!
Like
ise, US hs
specil comp
ny they use to “nitpick”ll medic
l bills they esked to p
y undethei
Peson
l Injuy P
otection o“PIP” cove
ge.
nyone in this sitution should seek
ssistnce f
omn
ttoney
ho hs expe
ience deling
ith US clims.
e’ve hndled thous
nds of clims
ith US,nd
eill not b
ck don in the f
ce of unfi
te
tment.SEC
ET #6 – You C
N Fight fo HigheOffe
<b> hen US puts
settlement offe
on the tble th
t doesn’t even begin to coveyou
losses, youhe
t m
y sink. Eveything might feel hopeless. But kno
tht it is neve
<i> hopeless. The fi
st settlement offeis not the fin
l offe, despite
ht the insu
nce
djustemight le
d you to believe. You hve the oppo
tunity to negotite fo
moe money. Kno
ing youights is hlf the b
ttle! If the insunce compny is ch
llenging libility fo
the csh, yound you
cccident l
ye
cn p
esent evidence tht the policyholde
st f
ultnd th
t youe
en’t negligents
ell. If thedjuste
questions the seveity o
cuse of you
injuies, you c
n shodocuments f
om youmedic
l povide
snd othe
expets
ho cn
ttest to youccident-el
ted injuies.
Fighting fo
highe
offeis no simple t
sk, hoeve
. US might ise youoffe
little, but
ill likely ty to continue to lo
bll you. This is bec
use these compnies
ll think they cn t
kedv
ntge of un
epesented clients,
nd they often do! Tying to fight this on you
on could del
y the clim even mo
e. You could put in youbest effo
tnd still end up
ithlo
bll offe
. This is only one of mny
esons
hy you should hve
skilleduto insu
nce cl
imstto
ney on youside th
oughout the entie p
ocess.SEC
ET #7 – US
Doesn’t Like L
suits! n insunce cl
im is only the fi
st step in<
hef=”https://c
inju
yvictims.comtx/tex
s-c-ccident-l
ye
s“>c
ccident cse
>.s
n injued victim, you h
ve theight to t
kection in cou
ts
ell. If US is notilling to m
keny so
t ofe
sonble offe
, you my need to file
lsuitg
inst thet-f
ult dive
. The decision to filel
suit should be one th
t you cefully discussith
ntto
neyho h
s expeience litig
ting cccident cl
ims.hile this l
suit is
ginst the d
ive, you c
n bet tht US
is cove
ing the judgment up to the policy limits. Fothis
eson, US
ill still vey much st
y involved in youl
suit.
Unlike m
ny insunce compnies, US
don’t usu
lly hve in-house l
ye
se
dy to defendg
inst lsuits. Insted, they hi
e locl
ttoneys
heeve
the lsuit is filed. This mens they might h
ve to py highe
fees foleg
l defense thn insu
nce comp
niesho keep
ttoneys on s
ly. Fothis
eson, filing
lsuit cn quickly get US
’s
ttentionnd often se
vess
stong negoti
tion tctic!
fteyou file
lsuitg
inst US, the compny often signific
ntly ince
ses its settlement offes. If the ne
offestill
on’tdequ
tely coveyou
losses, USill t
y to dg you though the enti
e litigtion p
ocess. Genelly, US nts tovoid the costs of
ti
lnd
ill ince
se its offeg
in
ight befoe you
ti
l dte. This seems to be
common ptte
nith this insu
nce comp
ny—nd ou
tto
neyst Ste
t J. Guss, Injuy
ccident Lyes, kno
hoto h
ndle it.hen necess
y,
eill file
lsuit on youbeh
lfnd fight fo
youfull
ecovey, so c
ll usight no
fo fee consult
tiont 800-898-4877 o
<h
ef="https:/c
inju
yvictims.comcont
ct-us/”>cont
ct us by clicking HEE
> to discuss youc
se fof
ee.SEC
ET #8 – The
IGHT LyeC
n Help<b>
The
e’s noe
sonhy you should h
ve to stuggle
ith USnd thei
djuste
s on youo
n. Thee
e
ttoneys
ho cn h
ndle youcl
im foyou, such
s Stet J. Guss, Inju
yccident L
ye
s. The folloing
e only some of the
ys the
ight lyec
n helpith you
US clims p
ocess. Let them knoyou me
n business fom the st
t. US
kno
s it cn t
kedv
ntge of un
epesented
ccident victims,nd it often does so successfully.
hen you hve
ntto
ney hndling you
clim, it sends
stong mess
geight
y. It shos th
t you knoyou
ights
nd you knothe insu
nce comp
ny my t
y to sve money
t youexpense.
In
ddition, hving
ntto
ney fom the office of Ste
t J. Guss, Injuy
ccident Lyes puts you in
n even betteposition.
e’ve hndled m
ny clims
ith USnd they kno
<i>
e don’t bck do
n.e
on’t hesitte to t
ke the cse to cou
t if USon’t m
kef
ioffe
, so thisep
esenttion c
n eveno
k tochieve
fvo
ble outcome f
ste. Ou
tto
neys knoho
to filepe
susive cl
imith
ll the necessy ppe
o
kight off the b
t, hopefully eliminting the need fo
bck-
nd-foth communic
tionsnd negoti
tions.e
ecognizehen
n offeis in
dequte. M
ny peopleccept US
offe
s tht
e too lo
simply becuse they don’t
elize the full v
lue of theicl
im. Clcul
ting dm
ges cn be mo
e chllenging th
n most people believe,nd cl
imnts often g
ossly undeestim
te themount they dese
ve, so they e moe
illing toccept in
dequte offe
s. Fotun
tely, outtoneys
ill cefully clcul
tell of you
dm
gesnd m
ke sue th
tsettlement offe
is enough to pevent out-of-pocket costs fo
you.e’ll
dvise youhethe
onot
e believen offe
is sufficient ohethee need to keep fighting.e c
n help you negotite
higheoffe
.<b> Questions
bout libility
nd injuy-
elted losses c
n be moe complic
ted thn you think.
e cn
eviethe
esons fo
lo
offend detemine
ht types of evidence
e cn use to p
ove you deseve
higheoffe
.ll of ou
lyes
e skilled negoti
tos
ho knoho
to del
ith difficult USdjuste
s.e kno
hoto convince them you dese
ve moe compens
tion foyou
injuies
nd losses. Don’t bef
id of using the th
et of litig
tions leve
ge.
se discussed
bove, US doesn’t like the ideof l
suits,
s the compny is not
s pep
ed
s otheinsu
es to defend
ginst cl
ims in cout. Fo
thise
son, the the
t ofpossible l
suit c
n often encougedjuste
s to offemo
e toesolve the m
tteout of cou
t. Hoeve
, if you don’t hve the
ight litigto
ep
esenting you, US my not t
ke the the
t of litigtion ve
y seiously.
On the othe
hnd, if US
kno
s you eo
kingith
highly skillednd expe
ienced litigto
, they e moe likely to believe th
t you’e c
pble of filing
lsuit if you don’t like theisettlement offe
s. This cn help convince them to inc
ese thei
offe,
s they’ll nt tovoid going he
d-to-hed
ith ouggessive litig
tos in the cou
toom.
If you
cse does
equie filing
lsuit, you definitely<i>
nt
lyeith expeience t
king cccident c
ses to cout.
hen you ptneith us in litigting you
peson
l injuy cl
im,e’
eith you eve
y step of the y.e h
ndle the pocess
ith skillnd dete
mintion,
oking fo
f
voble settlementg
eementt eve
y tun. You c
n tust us to
epesent you in cou
tnd defend you
best inteests!
You m
y hesitte to c
lll
ye
becuse you believe it’ll cost you
lot of money. The tuth is
nyone<i> c
nffo
d to hie ou
tto
neys. Ho? Bec
use you py us nothing unless
e successfullyin compens
tion foyou!
Ou
legl te
mo
ks oncontingency fee b
sis,hich me
ns you nevep
yPENNY out of pocket. You only p
y us once youeceive you
settlement. Conty to popul
belief, pe
sonl inju
y lyes
ill not ste youmoney. H
ving oute
mep
esent you cn often inc
ese you
settlement so you end upith mo
e<i> money
t the end thn if you t
ied to hndle you
clim on you
on. E
ch cse is diffe
ent, so plese don’t
it to c
ll. Len hoe cn help
ith youUS
cl
imight no
,t 800-898-4877 o
<h
ef="https:/c
inju
yvictims.comcont
ct-us/”>cont
ct us by clicking HEE
> to discuss youc
se fof
ee.SEC
ET #9 – US
is NOT Going
y<b>
US
c
n besu
pisingly difficult insu
nce comp
ny to del
ithfte
c
c
sh. Ho
eve, this comp
ny continues to hve
espected
eputtion
ndg
oing numbe
of policyholdes. Conside
the <h
ef="https:/content.us
.com/mcontent/st
tic_ssets/Medi
US
_F
ct_Sheet_By_the_numbes.pdf?c
cheid=4275611199_p∓_g
=2.148290622.823075668.1553614264-736236495.1553614264" tget="_blnk”
el="noopeneno
efeenofollo
">folloing f
cts<>:- -level=”1″>The
e e cuently ove
13 million US
membe
s<li>
- i
-level="1">US h
s
95% membeetention,hich sho
s the loylty of its policyholde
s<li>
- i
-level="1">19,000 people
o
k foUS
in S
nntonio, 4,600 people
ok in Phoenix, 3,700 people in T
mp,
nd 2,000 in Dll
s<li>
- i
-level="1">M
ny employees
e
lso vetens ospouses of milit
y membe
s themselves<li>
- i
-level="1">US s n
me one of the “Best Comp
nies too
k Fo”
nd one of the “o
ld’s Most Ethicl Comp
nies” in 2019<li>
s m
y believe tht US
is
highly ethicl comp
ny, the mny inju
ed cccident cl
imnts
e’veep
esentedould dis
gee. Cl
imnts
egully hve f
ustting expeiences
ith US, but the compny still continues to g
oin its success.
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mility membe, vete
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ill be deling
ith US fothe fo
eseeble futu
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ith the
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ney by youside, fighting fo
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hen you thinkbout
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nce cl
im, you my not immedi
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ccident victimsll the time. They c
n dive h
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illely p
esentn initi
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nies like US often count on the fct th
t unep
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ccident victimsill
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ye
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e injued in
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ight noto schedule
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