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If you were injured in a car wreck in San Marcos, do not cash the first check. That paper is usually a release, and it closes the claim before the medical bills and the missed work are known. Call Injured Texan at 210-512-2222 before you call the insurance company, even if you do not want to hire a lawyer. Free consultation. 219 N Comanche St, San Marcos. No fees unless we win.
People often think the first number is a courtesy. It is the swoop-and-settle. The adjuster wants the release before you talk to a lawyer who will explain the rules for free. Call InjuredTexan.com before you decide to wing it. We do not get paid until you get paid.
That is the book, and it is the method. Jay Feinman wrote Delay, Deny, Defend on how insurers slow a claim, cut the number, and fight the people who do not take it. Delay is the wait. Bills come due. A Friday number starts to look like the only way out. Deny is the low check dressed up as the only check. Defend is the boxing gloves if you push back. The insurance company benefits every day you wait to hear your rights for free. You get tired. They keep the money.
Allstate’s internal memorandums leaked. The company’s number one goal when speaking with someone who was just in a car wreck was to make sure that person never spoke with a lawyer. The McKinsey slides used two pictures. Good hands if you took the early offer. Boxing gloves if you hired a lawyer or pushed back. Bloomberg reported it in In Tough Hands at Allstate. Another slide was an alligator with the caption sit and wait. A review of the documents is here.
The script told people a lawyer takes 40 percent and stopped there. It did not say the represented files paid more. Forty percent of a larger number can still leave you with more than the whole small check. The Montana Supreme Court, in Jacobsen v. Allstate, recited the research. Represented claims settled for 2 to 3 times more, and perhaps up to 5 times. Jacobsen signed six days after the wreck for $3,500 and 45 days of medical pay. After a lawyer, that release was pulled and the claim later resolved for about $200,000. That is one file, not a promise for yours.
A check for the car is not the injury claim. Do not sign a release of all claims to get the car fixed. If the paper releases the injury claim, the later bills are yours. That is true on I-35, on Hopkins, and on the roads between San Marcos, Kyle, and Buda.
Jacob Alford. Injured Texan PLLC dba Alford Law. He lives here. The office is at 219 N Comanche St, San Marcos, across from the little H-E-B. See his Super Lawyers profile, read about handling the claim yourself, or contact the office.
You can, but you should not. That check is usually a release, and the insurance company’s plan is to get it signed before you speak with a lawyer, because then they have to pay more. Call 210-512-2222 for a free consultation, 24/7, and give us a chance to explain the rules before you trust a company trained to delay, deny, and diminish.
A Friday deadline is a sales line. The claim does not vanish on Friday. A release you sign does. Call 210-512-2222 before you sign it to keep the offer open.
Same rule. Our San Marcos office covers Hays County, including Kyle and Buda. Do not sign a release to see a number. Jacob Alford lives here. Call him at 210-512-2222.
Do not sign a second paper. Write down what you signed and the amount. Call 210-512-2222 before you cash the check, if you have not already, even if you already made that mistake.
It told you a lawyer takes a cut and stopped there. It did not tell you the represented files paid more. Forty percent of a larger number can still beat the whole small check. InjuredTexan.com does not get paid until you get paid.
The consult is free, including tonight. There is no fee unless there is a recovery. The number is 210-512-2222. The office is at 219 N Comanche St, San Marcos, across from the little H-E-B.
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