Receiving poor or unethical treatment from your insurance company?

Insurance companies are organizations that are bound by a code of ethics. Insurance adjusters that work there have to be empathetic and professional when working with their clients. If you received poor service from an insurance adjuster or you feel as though you’ve been unethically treated you might be interested in learning more about the code of ethics that insurance claims adjusters need to follow in order to keep their jobs in good standing.

The code of ethics:

  • Insurance claims professionals are working within the public trust and this means maintaining proper standards of integrity so that levels of public trust can be established for the industry.
  • Professionals must only seek information that they deem to be relevant and need to make sure that this information is delivered in an accurate and timely manner.
  • Recognizing the individual rights of clients remains protected and this means properly securing data.
  • Illegal discrimination and personal feelings/prejudices need to be prevented from influencing judgment or claim initiatives.
  • Maintaining sensitive attitudes in interactions is also highly important.
  • Claims professionals also need to obey any regulations and laws related to the process of handling claims or fraudulent practices involving claims.
  • All alternatives to litigation need to be met before an insurance company seeks out litigation to resolve issues related to a claim.

These are just a few of the governing rules that insurance claims professionals are monitoring in themselves and within other people throughout their departments. If you are a policyholder and you are constantly frustrated by the level of service that you are given, you could potentially file a complaint with your insurance company based off of the experience that you had especially on the basis of a poor experience related to some of these ethics-based principles.

This post was written by Kelly-Anne Jenkins of Jenkins Law P.L. Kelly-Anne is an Insurance Claim attorney Insurance Claims lawyer. She specializes in wrongful denial of a claim as well as property damages. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.


Understanding the Bankruptcy Means Test

If you are considering the option to file for bankruptcy it could be a wise idea for you to check into the bankruptcy means test. A bankruptcy means test is one of the easiest ways that you can choose the best type of personal bankruptcy that will serve your current debt situation.

With a Chapter 7 bankruptcy, you could face an advantageous situation if you are living with a limited income. A Chapter 13 bankruptcy could help you to utilize your disposable income on a debt repayment plan while protecting your assets and forgiving some of your debt. In order to determine which option would work best for you here is how a bankruptcy means test would work:

Comparing income:


The first step in bankruptcy means test involves checking your household income versus the household income for your area. If you are household income falls below the average for the area you will likely qualify for Chapter 7 filings.

If your household income is determined to be on average or above average for the area you will need to gather information about your allowable expenses over the last six months. Checking into paying down your allowable expenses and looking into new disposable income that you would have access to could help you to reasonably pay off some of your debt and file for bankruptcy via Chapter 13.

If you are really hoping to file for Chapter 7 bankruptcy keep in mind that the bankruptcy means test is something that you can take every six months after your initial attempt. Waiting six months of taking the test again could ensure that you qualify for Chapter 7 bankruptcy if your income dips below area averages.

This post was written by Trey Wright, a bankruptcy lawyer in Tallahassee. Trey is one of the founding partners of Bruner Wright, P.A. Attorneys at Law, which specializes in areas related to bankruptcy law, estate planning, and business litigation.


4 Common Road Hazards you Need to Avoid

If you are driving on Florida’s roads, you need to be vigilant in any driving conditions to make sure you can avoid hazards on the road. Even in perfect driving conditions, there are some hazards on the road that could increase your risk for getting into a car accident. Here are some common road hazards that you need to avoid:


A pothole is a serious hole in the roads caused by weathering and regular wear and tear from trucks. A large pothole to be extremely devastating to your suspension and tires. An unexpected pothole could ruin your suspension or cause you to move into a new lane of traffic by accident.

Water on the roads:

Frequent storms often lead to water pooling along the roads. It’s difficult to judge the depth of a puddle until you start driving through it. Flooded roads could potentially damage your vehicle or cause you to hydroplane making it very difficult for you to control the direction of your vehicle.


In the wintertime the formation of ice can often be a serious cause for concern for many drivers on the roads. When temperatures start to dip down below freezing it’s an extremely good idea to consider slowing down or adjusting the way that you use the braking system on your vehicle. A slow and extremely deliberate stop is often the best way to handle ice.


A number of animals on the road can also cause you to veer off without warning. It’s likely that nobody ever wants to hit an animal. If you’re ever in a situation where you might hit an animal it’s wise to hot the horn and flash your lights to try and scare the animal off the road quickly.

Swerving and braking erratically can often lead to accidents.

This post was written by J Stanford Morse, P.A. Stan is a St Petersburg personal injury lawyer at his practice. He has been practicing law for over 40 years and is St Pete’s trusted car accident attorney.

How To Get A Positive Outcome In A Personal Injury Case

It can be very overwhelming, confusing and frightening to manage the aftermath of an accident. If you know what it takes to find and a great injury attorney and help them prevail in your legal action, the future can actually be rather bright. Read on for some great advice about dealing with personal injuries.

Can you get a settlement? Ask your lawyer. That saves a lot of headaches, and that way, you don’t need to pay court fees.

Personal injury lawyers tend to specialize in a number of different fields. For example, one may solely take on medical malpractice cases, whereas another may be proficient in automotive accidents. Don’t assume that all personal injury lawyers are the same and be sure to make inquiries about any lawyer you have under consideration.

If you are involved in a personal injury case, the other person involved may have a special “diplomatic status” where you cannot sue them. You need to check with your insurance company to make sure you are covered in this case. If you are not, you might end up paying for the entire accident yourself.

Cooperation and communication are key when hiring any type of lawyer. Do not work with someone that you don’t feel is listening to you. In addition, if the lawyer will not sign a retainer agreement, you should move on to someone else. This agreement is what outlines how much their services will cost you, and it is important to have that detail settled as soon as possible.

When searching for a personal injury lawyer, do not make a decision too quickly. Make sure to interview several lawyers to have a good pool of candidates before you make your decision. Sometimes, you will find a better lawyer than the first one, even if you think he or she is top-notch.

Just because you saw a lawyer advertised on TV does not mean he is your best option. Pomp and pageantry don’t go far in court, so research all of your options and choose the one who wins the most for their clients, both in cases won and monetary damages awarded.

If you’ve been injured and need a lawyer, see one that specializes in personal injury law. Your family attorney may be able to handle most other things, but when it comes to this type of case, your chances of winning increase dramatically based on the lawyer’s successful experience. Find a reputable personal injury attorney before you make any other move.

Ask friends, family, and co-workers for referrals for a lawyer. They often know someone who has been embroiled in a personal injury case before and will be able to show you the way to a lawyer who was successful in the case. You can trust their opinion over reviews found online.

Victims in a personal injury suit often feel overwhelmed and stressed as they try to navigate their claims and hold the people responsible for their injuries accountable. By hiring the right personal injury lawyer, you can maximize your efforts towards getting the outcome you desire. These tips should assist you in your search.

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Ease Your Mental Pain With These Personal Injury Law Tips

Has someone caused to an injury? Are you looking at years worth of rehab or medical care because of it? If so, there is a good chance that you have reason to sue them for your injuries. The tips below will help you build a case against the person that have hurt you.

You can get paid even if you suffer from a condition already. Make sure your attorney understands which part of your condition was pre-existing. You don’t want that surprised to show up in court!

Contact your local Bar Association to begin seeking out an excellent attorney. Going with a recommendation from the ABA, or simply reading reviews there, allows you hire a qualified lawyer. You will also be able to check records, find a lawyer close to you, and find lawyers who win the most in settlements.

During your initial consultation with your personal injury lawyer, check to see how organized he is. This is important because you will want someone who is on top of their game to represent you. Small personality traits like this can make all the difference when the lawyer is making your case in court.

Compare personal injury lawyers. There are plenty of personal injury lawyers out there but unfortunately some of them are sharks. Contact your local Better Business Bureau and always check online for customer reviews. Typically though, the best way to find a good personal injury lawyer is through word of mouth.

While it may sound expensive, investing in a “specialist” lawyer is your best bet when it comes to having a personal injury case come out in your favor. This means hiring someone who has a great deal of these type of cases under his belt along with many checks in the “win” column.

After you have gathered together a list of potential personal injury attorneys, set up a free consultation with each lawyer. At this consultation, the attorney will look over the facts of your case and answer any questions you may have. After each consultation, write down notes about the interview and how the lawyer treated you.

The personality of your lawyer is just as important as their experience in personal injury law. You need to choose a lawyer who lets you play a role in your case. You should be in touch with them frequently so you can update them on any information you have and vice versa.

When you are considering whether to hire a particular personal injury lawyer, make sure you ask questions about their previous case history. How many wins and losses have they had? If they have a history of only obtaining small settlements, or losing a lot of cases, then they probably are not the lawyer for you.

If you take what you have learned here and put it all to work for you, you could win your case. There is no need to struggle for the next several years to pay your bills when the person responsible gets away with it. Make them pay today so you can live a life worth living. For more information on click here:

How To Find A Lawyer And Why You Need One

Regardless of which side of the issue you are on, dealing with a legal case is nerve-wracking. A lawyer will help you get some peace of mind. This article will show you how it’s done.

Keep your lawyer on retainer so you can ensure you’re prepared. By having a lawyer on retainer, you will not have to spend time finding an attorney should an issue arise. When you retain a lawyer, you have help when you need it.

Ask your lawyer for an estimate when you decide they’re the one for you. If they say no, walk away immediately. Even if they just give you a range and explain what makes a case more or less expensive, that is good enough. Make sure to get your fee agreement in writing!

If you need a lawyer, you need to make sure you find one that is in the proper jurisdiction. Most of the time you will be able to find a lawyer that is licensed to practice in the state you live in. Make sure they are qualified to practice law within your state.

Look for people who have experienced similar problems and ask them which lawyers they used. Your friends and relatives might be helpful but do not follow their suggestions unless you need a lawyer for the same kind of issues. Use the different resources available in your community, such as support groups.

Find out up front how frequently you should be in tough with your lawyer. If you need them to get in touch with you quickly after you contact them, communicate that to them up front. If you face this problem with your current lawyer, find a new lawyer at your earliest convenience.

Try to find a lawyer that has a high percentage of cases with the situation that you are dealing with. For example, if you are going to court for tax fraud, you will want someone who specializes in this sector or at least has a lot of experience under his belt. This will help maximize your chance of victory.

See how prospective lawyers react to your personal requests. The key to a great lawyer is being willing to accomodate the needs and desires of their clients. If you come across a lawyer that is not interested in fulfilling this, then you have been given sufficient warning that you should find someone else to represent you.

The Internet can be your best friend in helping you find a suitable lawyer. Most lawyers and law firms maintain an updated, detailed website where you can find more information about their services and credentials. Therefore, look at their firm’s site. Be sure to check for professionalism. If the website seems amateurish, it can be a sign of an inexperienced lawyer.

It is hoped you now have information about how to best deal with legal proceedings. Find a great lawyer, then do as that person says. If you have a good lawyer, your matter will go much more smoothly. For more information on click here:

Everything You Need To Know About Hiring A Lawyer

Do you need legal advice? Are you looking for someone to stand in your corner and fight for you? If so, you probably need to consult with a lawyer. Choosing a good lawyer and working with one you trust isn’t always easy. But with the tips shared here you should be able to find a lawyer to fit your needs.

When you think about hiring a specialized lawyer, do you worry about the associated increase in fees? Well, what are you willing to pay for a positive outcome? Consider the cost of losing! Also consider that the savings in time of a specialist over a generalist will save you money, lowering the total bill.

It is important that you stay in contact with your lawyer. Lots of attorneys work for clients without speaking to them for a while. Getting a schedule put together in the beginning will assist you in the future.

You should establish a budget before you start looking for a lawyer. Go over your finances and assess how much you can afford to spend on a lawyer. You should not let lawyers know about your budget when you ask for quotes but this is a good way to narrow down your research.

There are some cases where you can represent yourself without an attorney, but most of the time you should get one. There are many things that a layman does not understand about the law, which is why you should hire a lawyer. You don’t want to lose your case due to a lack of common legal knowledge when you could have hired someone.

Be skeptical if a lawyer wants you to pay a sizable retainer in order to take your case. This may not be given back to you at the end of your trial. Talk with other lawyers if the initial costs are too high and the lawyer won’t work with you.

If your attorney is super-busy, it may be a while before he works on your case. Ask him how much time he can spend fighting for your benefit. A good lawyer will upfront about his schedule and be able to tell you how much energy he can expend on your behalf.

Take written notes anytime you are meeting with your lawyer. Yes, your lawyer is on your side, but you are still accountable for any items that are promised, expected, or forgotten. This is especially true in financial conversations. You’ll want to have as much documentation as possible just in case there are any issues.

Any initial meeting or conversation with a lawyer should include four key questions that you ask them. Is the lawyer experienced in your specific type of situation? Do they charge flat rates or hourly fees? How much do they estimate the total cost will be? How long will this take to fully resolve?

Hopefully you have learned some things about lawyers from this article. Using a good lawyer can make your life much easier. Use the tips you learned here and you can find and use a trustworthy lawyer that will work for you and help you out with whatever you are dealing with. For more information on click here: