Hire An Experienced Attorney Or Get Screwed

You need to have an experienced Nashville automobile accident attorney on your side as soon after a car accident involving serious injury or death as you can get one. The U.S. insurance industry has trillions of dollars in assets, enjoys average profits of over $30 billion a year, and pays its CEOs more than any other industry. But insurance companies still engage in dirty tricks and unethical behavior to boost their bottom line even further.

The current economic turmoil affecting the insurance industry on Wall Street has only made the outlook bleaker for consumers living on Main Street. Insurance companies are likely to demand huge rate hikes and refuse more claims than ever. Some of America’s most well-known insurance companies, the same ones that spend billions on advertising to earn your trust—have endeavored to deny claims, delay payments, confuse consumers with incomprehensible insurance-speak, and retroactively refuse anyone who may cost them money. The following are some of the low down behavior that they engage in:

Denying Claims

Some of the nation’s biggest insurance companies deny valid claims in an attempt to boost their bottom lines. These companies have rewarded employees who successfully denied claims, replaced employees who would not, and when all else failed, engaged in outright fraud to avoid paying claims.

Delaying Claims

Many insurance companies routinely delay claims, knowing full well that many policyholders will simply give up.

Confusing Consumers

Insurance contracts are some of the most dense and incomprehensible contracts a consumer is ever likely to see. More than half of all states have enacted “plain English” laws for consumer contracts, yet many Americans still do not fully understand the risks they are subject to.

Discriminating by Credit Score

Increasingly, insurance companies are using credit reports to dictate the premiums consumers pay, or whether they can even get insurance in the first place. The practice penalizes the poor, senior citizens with little credit, and those who have suffered financial crisis through no fault of their own. Insurance companies have denied fiscally responsible people who paid their bills in cash, but refused renewals because of a lack of credit history. Others have seen auto rate hikes near 600 percent despite clean driving records after falling on economic troubles.

These are but a few of the despicable tactics these huge financial institutions use and they are seeking new ones daily, in fact, they reward employees who come up with new ways to screw consumers. This is why you need an experienced Tennessee Automobile accident attorney like those you will find at Phillip Miller & Associates, on your side when you need to make a claim. If you try to take them on by yourself they will crush you and leave you holding the bag.

Practice Holiday Driving Safety

If you are involved in a Nashville automobile accident during this Holiday season you owe it to yourself to contact one of the experienced Tennessee car accident attorney’s at Phillip Miller & Associates and find out about your rights and remedies by taking advantage of a free consultation.

Many Nashvillians involved in automobile accidents seem to feel that they can handle the negotiations with the other person’s insurance company on their own and save money. Indeed, during the first telephone conversation with the Insurance company representative you will be told that you don’t need to hire an attorney, they will just take more money out of your pocket. At this stage I urge you to end the conversation and visit my website, just listen to what I have to say about this situation. The adjustors for these companies are trained and in fact, receive a bonus for beating automobile accident victims out of a righteous settlement.

During this Holiday season there are a number of important things to be alert for while driving the highways and byways of Nashville. Remember, everyone is in a rush and tempers flare without much coaxing. Be polite and yield rather than engage.

Many drivers during the season have taken a taste of the dew and their reflexes are impaired or they are being aggressive with their vehicles. Once again, don’t engage, but do get a description of any vehicle you think is being driven by a drunk or aggressive drivers and contact the authorities. You might just save a life. If you are driving in Nashville, dial 911, and if you are outside of a municipal area dial *847 for the Tennessee State Troopers. Traffic police will on the job but they need your help to get the drunks off the roads.

Make it a safe and happy Holiday season and get home alive. Seasons Greeting to all from the staff at Phillip Miller & Associates.