Recent Posts in Insurance Companies Category
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Posted on Dec 3, 2011 By Chad Hemmat
From my experience as a trial attorney, I have found Colorado juries to be fair, and even, dare I say, compassionate. Generally, I find it relatively easy to get juries to agree that my clients were ...
Continue reading "THE 3 (AND SOMETIMES 4) THINGS THE JURY WON'T EVER GET TO KNOW WHEN CONSIDERING YOUR AUTO ACCIDENT INJURY CASE" »
Posted on Oct 21, 2011 By Chad Hemmat
When you purchase automobile insurance, you are purchasing peace of mind and a level of financial security. Some people have a lot of assets and therefore, have a lot to lose if they are involved in ...
Continue reading "AUTOMOBILE INSURANCE: What it does, What all those options mean, and What you are really buying" »
Posted on Oct 7, 2011 By Chad Hemmat
Due to the passage of C.R.S. §10-1-135, the "Make Whole" statute, I believe injury victims will have a huge advantage against state-regulated (Non-ERISA qualified) health insurance ...
Continue reading "WHY THE HEALTH INSURANCE COMPANIES' RIGHT TO REPAYMENT AFTER THE INJURY SETTLEMENT IS DEAD IN THE NEW ERA OF MAKE WHOLE ARBITRATIONS" »
Posted on Sep 9, 2011 By Chad Hemmat
We previously wrote an article on how you, as an injury victim, should approach your required visit with the insurance company doctor. Different than that article, this article assumes that your exam ...
Continue reading "INSURANCE COMPANY DOCTORS: What they say and how we beat them" »
Posted on Aug 19, 2011 By Chad Hemmat
1) THE FACT PATTERN: Bob Blameless is driving his car down Broadway when he gets rear-ended by Chuck Careless. Bob spends the next year off of work, in hospitals and enduring painful physical therapy. ...
Continue reading "AFTER THE SETTLEMENT, DO I REALLY HAVE TO PAYBACK HEALTH INSURANCE?" »
Posted on Jun 23, 2011 By Chad Hemmat
First, why wouldn't a hospital want to get paid from health insurance? As you will see, this issue is more complex than it might seem at first blush. Some hospitals WILL submit their bills to ...
Continue reading "ARE HOSPITALS ALLOWED TO CHERRY-PICK WHETHER THEY BILL YOUR HEALTH INSURANCE OR NOT?" »
Posted on Jun 10, 2011 By Chad Hemmat
This case started with a garden-variety two vehicle car crash. The at-fault driver was uninsured. At first, it seemed that the injured woman would only need conservative medical care, but the injuries ...
Continue reading "WINNING THE CASE THAT APPEARS UNWINNABLE: Part 3" »
Posted on Jan 14, 2011 By Chad Hemmat
Being the victim of another driver's negligent driving is always bad. However, when that collision occurs during wintertime conditions, bringing the claim against the at-fault driver's insurance may ...
Continue reading "WINTER CAR ACCIDENTS: Making sure you can PROVE your claim" »
Posted on Jan 7, 2011 By Chad Hemmat
As a continuation of last week's post, here are more lessons to be aware of when you are presenting your personal injury claim. LESSON 6: NEVER IMPERSONATE ANYONE ELSE: On occasion, I have known ...
Continue reading "NEEDLESSLY WALKING THE HIGH-WIRE: RISKS CLIENTS TAKE WITH THEIR PERSONAL INJURY CLAIMS - PART 2" »
Posted on Dec 30, 2010 By Chad Hemmat
During the holiday season, some folks' emotions start to run out of control. Sometimes they can become reckless. This can involve overspending, over-eating, abuse of drugs, abuse of alcohol, and more. ...
Continue reading "NEEDLESSLY WALKING THE HIGH WIRE: RISKS CLIENTS TAKE WITH THEIR PERSONAL INJURY CLAIMS - PART 1" »
Posted on Dec 3, 2010 By Chad Hemmat
Of all the questions I am asked by people injured in car accidents , this is the one I hear the most. I suppose I could respond with something like, "well, insurance is a highly specialized business ...
Continue reading "WHY CAN'T I GET A STRAIGHT ANSWER FROM THE INSURANCE COMPANY?" »
Posted on Nov 5, 2010 By Chad Hemmat
Let's say it has been a year since you were rear ended by some texting driver. You have nearly a year of care, therapy, perhaps even a surgery. Now you are ready to talk settlement with the insurance ...
Continue reading "TURNING THE INSURANCE COMPANY'S DOCTOR INTO AN ADVOCATE FOR YOU" »
Posted on Oct 1, 2010 By Chad Hemmat
Most of our articles detail attorney quality and how that can effect the outcome of an injury case. Little has been written anywhere about the quality of the client and the client's own effect on ...
Continue reading "MAXIMIZING YOUR INJURY RECOVERY BY BEING A BETTER CLIENT" »
Posted on Sep 15, 2010 By Chad Hemmat
THE GAME: Last Thursday night the Rockies were home against the Cincinnati Reds. It was the bottom of the 8th, with one out, men on first and third and the game tied at 5 after the Rockies climbed out ...
Continue reading "NO GUTS, NO GLORY! - The Risks And Rewards Of Trying Your Injury Case " »
Posted on Sep 8, 2010 By Chad Hemmat
I spent the week before Labor Day in trial on a case in Denver District Court. For me, doing opening statements, examining witnesses and making a closing argument are an adrenaline rush. There is ...
Continue reading "WAITING ON THE JURY VERDICT: waiting, and waiting, and waiting..." »
Posted on Aug 27, 2010 By Chad Hemmat
The largest companies in the world are insurance companies. Want proof? When AIG was on the brink of failing, a joint session of Congress and a Republican President, in a bi-partisan show of unity, ...
Continue reading "BEATING BACK THE MONSTER: Colorado Jurors Evening the Playing Field" »
Posted on Aug 23, 2010 By Chad Hemmat
A) THE WAY IT WAS: After 2 years of medical care, paid for largely from John's health insurance, finally the insurance company for the at-fault driver was prepared to talk settlement. His medical ...
Continue reading "CHECKMATE ON HEALTH INSURANCE SUBROGATION: New Change in the Laws Position Injury Victims to Major Advantage" »
Posted on Aug 14, 2010 By Chad Hemmat
Actually, it absolutely is cheating. But, if they don't get caught, what difference does it make? What I am referring to is the practice of insurance companies using their own doctors for so called ...
Continue reading "IT AIN'T CHEATING IF THE INSURANCE COMPANY AND THEIR DOCTORS GET AWAY WITH IT!" »
Posted on Jul 23, 2010 By Chad Hemmat
As a trial lawyer for nearly 20 years, there is nothing like the thrill of knowing that you are standing up on the first day of trial on behalf of a deserving injury victim. Our motto always comes ...
Continue reading "BAD FAITH INSURANCE CONDUCT: IT'S SORT OF A PERSONAL INJURY CASE, BUT SO MUCH MORE!" »
Posted on Jul 16, 2010 By Chad Hemmat
The "Thin Skull" Doctrine & Why Insurance Companies Hope You Don't Read This Article A) THE DECEPTION: It usually starts with the phone call from the insurance adjuster. She tells you that she has ...
Continue reading ""...ALL THE KING'S HORSES AND ALL THE KING'S MEN COULDN'T PUT HUMPTY TOGETHER AGAIN": " »
Posted on May 14, 2010 By Chad Hemmat
New Colorado legislation regarding the Make Whole Doctrine will take effect August 11, 2010. If you have a slip and fall case, motor vehicle injury case, or any case where you have an issue related to ...
Continue reading "GROUND-BREAKING NEW LAW CHANGES IN COLORADO PERSONAL INJURY PRACTICE: Make Whole Doctrine Codified C.R.S. § 10-1-135" »
Posted on Apr 30, 2010 By Chad Hemmat
This article is not intended to discourage the reader. Actually, quite the contrary. The premise of this article is that by not conforming to the expectations of the insurance company , you will be in ...
Continue reading "WHY INSURANCE COMPANIES EXPECT YOU TO SETTLE" »
Posted on Dec 11, 2009 By Chad Hemmat
Over my nearly 20 year legal career, there always seems to be a small, but vocal, group of attorneys who try to convince the rest of us that the “sky is falling.” “The laws are against injured ...
Continue reading "SO YOU SETTLED YOUR CAR CRASH CASE: But After the DeHerrera Decision, is Any Money Going to be Left for YOU?" »
Posted on Oct 30, 2009 By Chad Hemmat
Workers’ Compensation Reform – a Case Study #1: Approximately 15 years ago, Colorado had an opportunity to pass a voter initiative called “The Safe Workplace Amendment.” On its face, this amendment to ...
Continue reading "HEALTH INSURANCE FOR ALL: Right is Right and There is Nothing Political About It" »
Posted on Oct 9, 2009 By Chad Hemmat
The initial insult of having a negligent driver running into the back of your car is nearly always followed by the secondary insult of hearing how little the insurance company thinks your destroyed ...
Continue reading "Insurance Company wants to pay me WHAT for my wrecked car?!" »
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