ith thous
nds of stoe loc
tions thoughout the United St
tesnd mo
e thn 265 million custome
s pssing th
ough theidoo
s peeek, chnces
e you’ve shopped
t lmt moe th
n once!hile the
e e no definitive published sttistics,
necdotl evidence (
nd my 20-plus yes of expeience h
ndling seious slip
nd fll inju
y clims) indic
tes tht mo
e slipnd f
ll injuies occu
t
lm
t sto
es thn
ny othem
joetile
in the county.
hy is this? Moe impo
tntly, ho
cn the victims of these f
lls get the help they need? On this pge
e’ll let you in on some secets of this huge co
potion’s pctices—nd tell you
hy they en’t on youside if you’
e eveinju
ed in theisto
es. Stet J Guss, Inju
yccident L
ye
s isn
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 loc
ted,e m
y beble to help you, so c
ll ocont
ct us no.
e e open, foF
EE, 24 hous
dy, seven d
ys eek,t 800-898-4877. C
ll ocont
ct us noby [<
hef=”https://c
inju
yvictims.comcont
ct-us“>CLICKING HE
E<>] to submit youc
se foevie.
me title=” lm t” s /pl .vimeo.com/video/234853066?dnt=1& pp_id=122963″ de llo utopl een; pictu e” fullsc if me> lm t Cl e Fight B h2> nd f p use of the ies, but bec et nt t ts inju ccident victims. Slips lls c esult in su isingly se nd debilit ies, including:
The f
nd b
ck injuies
oken bones
h
ef="https:/c
inju
yvictims.comsust
ined-spinl-co
d-injuy-houston-c
n-ecove
-compenstion/”>Spin
l cod inju
ies<><li>
h
ef="https:/c
inju
yvictims.comse
viceshouston-t
um
tic-bin-injuy-tbi-
ttoney/”>T
um
tic bin injuies
> (TBI)<li>
li> hen you’
e st
ugglingith
seious inju
y becuse
lm
t
s negligent, you expect
lm
t to cove
youbills,
ight? Unfotun
tely, lmt mkes it
s difficults possible to
ecovethe compens
tion you deseve. Ou
l fim is
ll too fmili
ith holm
t h
ndles peson
l injuy cl
ims,nd the follo
ing e some insidesec
etse’ve le
ned ove
the yes. Knoing these sec
etsllo
s us to hve the uppe
hnd in negoti
tionsnd help
lm
t slip
nd fll victims get the full v
lue of theicl
ims!SEC
ET NUMBE
ONE: lmt is in the Business of Dodging Blme
lm
t h
s been ound since the 1960s. Since stting in kns
s, thee
e no
moe th
n 11,000 lmt stoes
old
ide. In 2020, lmt hd
neto
th of ove$514 BILLION.
Inste
d of using theitheit <
hef=”https://
.cnbc.com2017/11/16/
mt-q3-enings-2017.html" tget="_blnk”
el="noopene“>
ecod-b
eking
evenue<>—$123.18 billion in one qute!—to p
y vlid cl
ims, lmtould
the
hve
n entie comp
ny dedicted to
voidingesponsibility fo
injuy cl
ims—“<h
ef="https:/
.cmi.com/” t
get=”_bl
nk"el=”noopene
">Clims M
ngement, Inc.
>” If you suffeed inju
iest
lmt stoe,
n employee of Clims M
ngement, Inc., o
CMI, pob
bly contcted you. CMI is the comp
ny lmt uses to ty to medi
te, mitigte,
nd minimize the effects of the thousnds of inju
y clims filed
ginst it eve
y ye. Thinkbout th
t—thee’s
hole co
potion out thee
hose sole pupose is to t
y tovoid
esponsibilitynd minimize
ht
lm
t p
yshen people sust
in injuies bec
use of lmt’s negligence! CMI knos the ins
nd outs of lmt slipnd f
ll clims. They kno
h
to
kshen t
ying to limit lmt’s libility,
nd they’llepe
t the fomul
. Theiloy
lty belongs to lmtnd
lm
t only,
nd they hve no symp
thy fo slipnd f
ll victim. No mtte
hose
ious youinju
ies e, lmt instucts CMI to defend the comp
nynd limit p
youts byny me
ns possible.hen you file
clim
ith CMI, you e essentilly filing
clim
ith the enemy. Unfotun
tely, this is youonly option fo
pusuing
n insunce clim, so you need to kno
h
t you’e de
lingith!
ed on fo
moe inside
secets,
nd <h
ef="https:/c
inju
yvictims.comcont
ct-us“>cont
ct oul
fi
m<> foF
EE to discuss hoe successfully hndle CMI cl
ims.SEC
ET NUMBE
TO: You
o
dsill Be
eponized
CMI
ill sy
nything to get youecoded st
tement. Don’t fll fo
it. Thoughout my c
ee
, I’ve beenm
zedt the shee
numbeof diffe
ent things people hve told me
bout deling
ith CMI befoe they hi
ed me. The one unives
l constnt is th
t CMIill s
ynd do just
boutnything to obt
in youecoded st
tementfte
slip
nd fll inju
yt
lm
t. It’s quite common fo
CMIep
esenttives to tell people th
t they hve
“ight” to t
ke ecoded st
tement. This is simply not tue!
defendnt in
peson
l injuy cl
im hs no “
ight” to ecoded st
tement befoe filing
lsuit. Victims e undeno oblig
tion to povide
ecoded st
tements.hile
lm
t c
n tke
plintiff’s deposition
fte clim
nt hs filed
lsuit,t le
st the plintiff’s l
ye
is pesent
t tht point to p
eventbuse
nd misep
esenttion.
CMI
epesent
tivesill often tell people th
t they e “just tying to help them get thei
medicl bills p
id”hen they
sk foeco
ded sttement. Once
gin, this is not t
ue. It’s justnothe
y to put pessu
e on you.emembe
, the gol of CMI is to help
lm
t
void pying fo
those medicl expenses.
Some CMI
djustes
ill even pomise you th
t if you just give themst
tement, theyill expedite you
clim fo
you. This islso not t
ue. It my
esult inn emb
ssingly lo
offef
ste, but you should neve
fll fo
this. Do not settle foless th
n you deseve,
nd do not pem
tuely end you
clim. Once you st
t st
nding up foyou
ights
ndeject thei
lob
ll offes, they c
n dg youcl
im outhethe
you gve
eco
ded sttement o
not! You my
ondeht the h
m is in t
uthfullyns
eing
fequestions on
eco
ded cll. Honesty’s the best policy,
ight? Tke it f
om us tht giving
eco
ded sttement h
s been the donf
ll of mny insu
nce cl
imnts. CMI
epesent
tives knoht questions to
sknd
ht to s
y to get you to unknoingly m
ke comments they cn use
ginst you.
hile theiquestions m
y seem hmless, they e hnging on eve
yo
d you sy, se
ching fo
nything they c
n use to limit lmt’s libility.
Im
gine mking
n offhnd comment like, “This isn’t my fi
st fll, since I’ve
lys beenlittle clumsy.” You m
y think tht’s just self-dep
ecting, but the
epesent
tive tkes notes in thei
epo
t:- -level=”1″>You’ve f
llen befo
e, so
pevious f
ll my h
ve cused you
injuies
- i
-level="1">You e p
one to f
lling due tol
ck of coodin
tion, so you et le
st ptilly li
ble foyou
slipnd f
ll<li>
This is just one ex
mple of hothey c
n tist you
o
dsnd use even the most me
ningless of comments to the detiment of you
clim. P
oceedith c
ution!SEC
ET NUMBE
THEE: Expect Flip-Flopping
Cl
ims Mn
gement, Inc.ill use l
nguge th
t implies they hve
cceptedesponsibility
ndill p
y youmedic
l bills. Don’t let them fool you! Im const
ntlym
zedt the numbe
of clientsho h
ve hied me seve
l
eeks omonths
fte slipnd f
ll <h
ef="https:/c
inju
yvictims.comse
viceshouston-
ccident-clim-
ttoney/”>inju
y incident<>t
lm
t
ho tell me the exct s
me stoy:
- i
-level="1">
hen they fi
st spoke to the clims
epesent
tivet CMI, the
epesent
tive indicted th
t lmtould p
y fothei
medicl bills.
- i
-level="1">They told me th
t the CMI employee
s kind, conce
ned,nd ve
y sympthetic.
- i
-level="1">In light of such kind t
e
tmentnd implic
tions tht CMI
ould py thei
bills if theyould only coope
te
ith the investigtion, my clients then p
oceeded to give sttements
nd unknoingly t
kections th
tent di
ectlyg
inst theileg
l inteests.
- i
-level="1">Then, d
ys o
eeks l
te,
hen they’e s
ddledith thous
nds of dolls in medicl bills, they le
n th
t CMI denied theicl
im!<li>
The s
eet tlk they he
d f
om the lips of the CMIep
esenttive someho
tuned sou
. Unfotun
tely, moe often th
n not, my clients’ clims
ee denied bec
use of the sttements they themselves g
ve to those “kindnd c
ing” CMI investig
tos ove
the phone. (See secet numbe
to!) Then
e got involved,nd the sto
y chnged.
ondeing ho
insuncedjuste
st CMI c
n gety
ith mking empty p
omisesnd telling lies to get the info
mtion they need to limit o
denyn inju
y clim? The t
uth is tht
lot of theictions my viol
te the <h
ef="https:/
.npi
.comcodeofconduct” t
get=”_bl
nk"el=”noopene
">insuncedjuste
Code of Ethics <>(yes, thee is one!) Ho
eve,
hen theiemploye
, CMI, instucts them to use these t
ctics, they nt to keep theijobs. Sometimes they even e
n benefits fo
limiting pyouts!
SEC ET NUMBE
FOU
: Dt
Leks
Did you kno
CMI my sh
e info
mtion
bout youcl
imith othe
s? CMI’s on “<
hef=”https://
.cmi.com/p
ivcy-policy.html” t
get=”_bl
nk"el=”noopene
">piv
cy policy<>” sttes th
t it cn sh
e pe
sonl info
mtion
bout yound you
clim
henevethey feel “sh
ing is necess
y to p
otect the sfety, p
opety, o
otheights of oussocites, o
ny othe
peson.” Hmm… “Necess
y to p
otect the pope
tyights of
ny othepe
son?” In otheods, CMI c
n she infom
tionith othe
copo
tions
nd insunce compnies
bout youcl
im in cse someone
nts to use th
t infom
tiong
inst you.elcome to
lm
t, l
diesnd gentlemen,
nd sy hello to Big B
othe!
SEC ET NUMBE
FIVE:
lm
t is Not
bove Intimidting &
mp; Invlid
ting You<h2>
CMI
s
im to invlid
te youfeelings
nd minimize youinju
iesnd losses
s muchs possible.
e knoyou
injuies
e obvious to you.
ftell, you’e going to docto
s, physicl the
pists,
nd mny othe
te
tmentppointments. You
e feeling the p
in of youinju
ies, the limittions th
t keep you fom
oking,
nd the impi
ments tht m
y even keep you fom picking up you
childen. You kno
hob
d youinju
ies e… so ntu
lly you’
e shockedhen the insu
nce comp
nycts like you
injuies
en’t th
t seious!
You’
e notlone. M
ny people hve this ex
ct sme expe
ience. The insuncedjuste
my
sk foyou
medicl
ecods
nd bills,s
ells you
py st
tements shoing missed
ok. You
nt to coope
te, so you send them in. You
ssume tht you
eco
ds givecle
pictu
e of yousuffe
ing: they sholl the te
tments you needednd
ill need in the futue. Plus, these documents sho
holong you h
d to sty home f
omo
knd ho
much income you lost. Sohy does the
djustecome b
cknd offe
you f less thn you expected?
The t
uth is tht
djustes don’t
sk foll youecods to simply comp
e them
ith themount you’
e climing. Inste
d, they nt to cefully exmine eve
yo
d of these documents to findny bit of evidence th
t youinju
ies en’ts seve
es you cl
im.fte
you send in youecods, you m
y suddenly find it hd to get in touchith the
djuste—the s
medjuste
ho
s c
lling you evey d
y! No, they’
e tking thei
seet time to comb th
ough youdocuments fo
ny suggestions of the follo
ing:- -level=”1″>You
inju
ies
ee p
e-existing oothe
ise not c
used by the slipnd f
llccident
- i
-level="1">You ex
gge
ted you
pin
nd suffeing
- i
-level="1">Not
ll of you
te
tmentse
e “necessy” foyou
injuies
- i
-level="1">You didn’t h
ve to miss
s mucho
ks you did
Of cou
se, they mke these
ccustions in c
ses involving completely vlid cl
ims. They’ll donything to limit you
lossesnd minimize you
injuies, so they c
n mke you believe you dese
vemuch lo
eoffe
. Nevef
ll fothis t
ick,nd neve
ccept
lob
ll offe. Ou
l fim c
n tell youh
t you tuly dese
ve, something the insunce compny
ill nevedo!
SEC ET NUMBE
SIX: O
chestted Delys &
mp; Hng-ups
CMI c
n cuse f
usttingnd unnecess
y del
ys… on pupose.
hen youmedic
l bills e piling upnd you still c
n’to
k becuse of you
lmt slipnd f
ll injuies, you
ill undest
ndbly feel imp
tientnd
nt to
eceive yousettlement check.
ftell, you don’t nt to fll behind on you
motg
ge, c lon, o
othebills. Even if you h
ve svings fo
unexpected events, tht c
nun out quickly! But
ls, the CMI
djusteseems to h
ve fllen off the f
ce of the eth,nd you h
ve no idehy youcl
im is tking so long.
St
llingnd del
yingcl
im is yetnothe
tctic th
t CMIep
esenttives use to t
kedv
ntge of
lm
t
ccident victims. They knoyou need you
settlement money,nd m
ny of these delys
e highly unnecess
y. Inste
d, they e hoping tht you get so despe
te to p
y youbills th
t youill
ccepth
teveoffe
they toss youy.
ftehile, CMI
nd lmtill m
ken in
dequte offe
,nd
y too m
ny despete people tke it bec
use they need help pying thei
bills.ddition
lly, if youhe
lth insunce is tying to
void coveing the costs of t
eting you
ccident-
elted inju
ies, youdocto
s my dem
nd pyment. Even if they kno
you e in the middle oflm
t insu
nce cl
im, they my begin to get imp
tients time p
sses. You knoyou need mo
e te
tments,nd you kno
you don’t hve the funds to cove
the costly medicl bills, so you might feel mo
eilling to
ccepth
teveyou’
e offeed.
Fin
lly, youcl
im might come tost
ndstill if the CMIep
esenttive
elizes ho
seious you
injuies
e.
t fist, the
djusteill likely tell you tht you do not need
lye. (Neve
listen to thisdvice.) Ho
eve, once they look
t youecods
nde
lize you hve
high-vlue cl
im, they my
efuse to gony fu
theith youcl
im until you hve
ntto
ney. You cn
void mny of these del
ys by hiing ou
slipnd f
ll l fim
ight fom the st
t!
SEC ET NUMBE
SEVEN: You’
e Notlone
You
e not the fi
st nothe l
st peson to expe
ience poblems
ith CMI!hile this m
y not help you get youcl
im settled fste
, you my feel
little bettekno
ing tht m
ny unep
esented people hve unde
gone simil expeiences
ith CMI clims. The Bette
Business Bue
u (BBB)epo
ts the folloing
s of the time of publishing:- -level=”1″><
h
ef=”https://
.bbb.og/us/
/
oges/p
ofileinsu
nce-se
vices-officecl
ims-mn
gement-inc-0935-7000017custome
-evie
s">56 totl
evies of CMI
><li>
- i
-level="1">One lone five-st
evie
<li>
- i
-level="1">One th
ee-st
evie - i
-level="1">The
est—
hopping 54
evies—give CMI only one out of five st
s!
- i
-level="1"><
h
ef="https:/
.bbb.og/us/
/
oges/p
ofileinsu
nce-se
vices-officecl
ims-mn
gement-inc-0935-7000017compl
ints">268 fom
l complints
>e
e filedith the BBB du
ing the lst th
ee yes<li>
n im
gine, most people don’t tke the time to
ite
evie
ofile
complint
ith the BBB. The mjo
ity of CMI clim
nts simply cut theilosses
nd move on. Hoeve
, theseevie
snd compl
ints give youn ide
of just hoCMI’s typic
l clim p
ctices t
kedv
ntge of people
hoe
e injued in
lm
t sto
es. The good nes? You don’t h
ve to be one of these clim
nts. Don’t let CMI ty to t
kedv
ntge of you
injued st
te by ongfully delying o
denying youcl
im. Insted, c
ll ouleg
l tem
SP. CMI kno
s theit
ickson’t
ok on us,
nd they’e
ell e of oueputtion fo
fighting fiecely fo
ouclients!
SEC ET NUMBE
EIGHT: You C
N Fight Bck
Believe it o
not, it’s possible toecove
full compenstion
ith theight l
fi
m on youside. It isn’t
lys hopelessfte
slip
nd fll
t lmt.hile the co
potion mightgg
essively fight libility fo
its negligence, oul
fi
m fights bck h
de
. Just becuse
lm
t is
multi-billion doll compny doesn’t me
n they should get to bully theicustome
s.e
e not intimid
ted by lmtnd its
esouces,
nde h
veh
t it tkes to p
otect theights of ou
clients!hen it comes to h
ndling youCMI insu
nce cl
im, oul
fi
m cn
ssist you in mny
ys, including the follo
ing:- -level=”1″>
ong>Est ong> – lmtblishing
lm
t’s negligence
on’t simply
dmit to negligence. Insted, in o
deto hold the sto
e lible fo
youinju
ies, you must pove th
t employees om
nge
s kneboutd
ngeous h
zd tht led to you
slipnd f
ll incident.e
illo
kith you to investig
te the sitution
nd pep
e you
cse.
- i
-level="1">
ong>Dete mining the v ong> – Clue of you
clim
lcul
ting youtot
l losses cn p
ove moe ch
llenging thn you think! M
ny people simplydd up thei
medicl bills
nd clim th
tmount. Ho
eve, you
clim m
y go
much lgeth
n tht. You m
y hve costs you didn’t think
bout, suchs time off of
ok fo
ppointments, medic
tions, omedic
l equipment. Did you need ext childce becuse of you
te
tment? Did you lose income? Did you miss impot
nt eventsnd expe
ience pin?
e knothe questions to
sk to detemine the full
mount you deseve
fteyou
slipnd f
ll.<li>
- i
-level="1">
ong>H ndling ong> –ll communic
tionsith CMI
s
e’ve discussed, CMIep
esenttives c
n be sneky. They’
e ge
tt getting people to s
y things tht CMI c
n useg
inst them. To pevent this, ou
l fim h
ndlesll communic
tionith CMI. This includes phone c
lls, document submission,nd mo
e.e c
n tellhen
ndjuste
is tying to del
ycl
im,nd
e’e not
fid to cll them out!
- i
-level="1">
ong> evie ing settlement offe
s<st
ong> –hen
settlement offecomes in, don’t jump fo
joy just yet.e kno
the fist offe
—ofi
st feoffe
s—ill likely not even come close to p
ying foll of youinju
ies.e
evieyou
offes, discuss you
decisionith you,
nd contct CMI to fight
ginst those lo
offes
nd negotite fo
the full vlue of you
clim.
If CMI still
efuses to mke the
ight offe,
e cn t
ke youc
se to cout!
ith theight l
fi
m on youside, you don’t h
ve too
y
bout CMInd its t
icks. Timend time
gin, clients h
vee
ched out to tell me the sme ho
o
stoies
bout deling
ith CMIep
esenttives
fte lmt <h
ef="https:/c
inju
yvictims.comse
viceshouston-slip-
nd-fll-
ttoney/”>slip
nd fll inju
yccident
>.nd, time
nd timeg
in, I’ve put on my shining mond gone to bttle
ginst the
lm
t d
gon. I’m p
oud to sy th
t I’ve hd nume
ous victoies fo
my clientsfte
lmt slipnd f
ll injuy
ccidents, including numeous
ecoveies in excess of six figu
es!hile slip
nd fll inju
y cses
e some of the most difficult c
ses to pove,
ndhile I c
n’t pomise to
in evey c
se I tke, I c
n pomise you this: I
ill do eveything I c
n to combt Cl
ims Mn
gement, Inc.nd its t
ctics. If you suffeed inju
ies inlm
t slip
nd fll
ccident, Iill fight to get you the compens
tion you deseve.
C ll fo COMPLETELY F
EE Consult
tionith Ou
lmt Slipnd F
ll Lyes!
H
ve you sustined se
ious injuies in
slipnd f
llccident
tlm
t o
Sm’s Club?
ee you t
icked odeceived by CMI’s cl
ims hndling p
ctices? Ple
se tell mebout it <
hef=”https://c
inju
yvictims.comcont
ct-us/”>HE
E<>,nd help me p
eseve the
ights of those injued
t lmt! The moe
e knobout CMInd its p
ctices, the less
e tust them!
e’ve spokenith clients
ho stuggled
ith the CMI insunce pocess on thei
on, only to l
teelize the impo
tnce of h
ving theight l
fi
m on theiside.
e knoCMI’s sec
ets of hoto h
ndle lmt slipnd f
ll clims,
ndhen they he
e’e on the c
se, they knoe men business. Th
nks to oueputtion
nd ouexpe
tise,e h
ve successfully obtined full settlements fo
tons of clientsho slipped
nd fellt
lm
t.
You h
ve nothing to lose by clling no
. Len moe
bout hoe cn help you. Consult
tions el
ys 100% f
ee! Ntion
llyecognized slip
nd fll
ttoney
nd legl p
ofessionl Ste
t J. Guss,ith p
incipl offices in Houston, Tex
s, hs spent 20 ye
s helping victims p
otectnd p
eseve thei
ights
fte slipnd f
llccident
t lmtnd m
ny otheetil
nd business estblishments.
Let his next victo
y be yous.
Fo
f
ee consulttion, ple
se cll
ight not 800-898-4877 ocont
ct us by <h
ef="https:/c
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ge fo
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nde ch
ge no fee
tll unless
ein you
cse!