Jim was involved in a car wreck in 2004. He was seriously injured. Before he got out of the hospital the other drivers insurance company assured him that, because the other driver was at fault, the company would pay all of Jim's bills and make sure he was "taken care of."
Nightmares
Joe Watkins | 520.882.9115
Insurance claims and nightmares go hand-in-hand. The following two examples involve situations where people either trusted their insurance company to do the right thing or simply failed to get help and paid the price. Either way, the story should serve as examples of what you don't want to happen to you or your family.
Joe Watkins helps you out of your insurance nightmares!
It took several months for Jim to heal. The insurance claims adjuster would periodically call and repeat the promise to take care of things. The bills began to come in. Jim would send the bills onto the insurance claims adjuster who kept repeating his promise  that everything would be paid, eventually.
Time went by quickly. Some bills were paid some bills were not. Suddenly, the insurance claims adjuster quit returning phone calls. Jim came to my office for help in 2007. Unfortunately, the time to file an insurance lawsuit had passed. There was nothing we could do to help Jim. All of his communications had been over the phone and there was no record to follow.

Jim's big mistake? He trusted the other guy’s insurance claims adjuster. He did not document his communications. Finally, he was not aware that he had only two years in which to bring a lawsuit to protect his rights. Don't let this be you.


Injuries and bills can mount up and not be paid by the insurance companies!
John loved his insurance company. He'd been a customer for years and when he broke that windshield in 1992, the company fixed it right away. When this kid got in a fender bender in 1996 the company pay the claim.

When John's house was destroyed by a fire in 2004 he had complete faith that his insurance company would take care of everything. John was wrong.

John loved his insurance company. He'd been a customer for years and when he broke that windshield in 1992, the company fixed it right away. When this kid got in a fender bender in 1996 the company paid the claim.

When John's house was destroyed by a fire in 2004 he had complete faith that his insurance company would take care of everything. John was wrong.
The first problem occurred when John found out he did not have enough insurance to replace the house he bought 15 years earlier. Even though he had relied on his agent in determining how much insurance to buy, there simply wasn't enough.

The second problem occurred when John agreed to use the insurance company's approved contractors. They must be good, right? After all, the insurance company recommended them. The contractors were great, until the money ran out. When the money ran out John was on the hook for all of the additional costs.

All of a sudden, the original estimate got much larger. The contractors did not show up on time and repairs did not get done. Thunderstorms caused more damage to property, which had not been properly covered by the insurance contractors. One day, the contractors didn't show up. The company's president had lost his construction license and the company simply ceased to exist.

When John came to me, there wasn't much we could do. He didn't have enough insurance money to fix the house. The damage to the home was now much worse in the insurance approved contractor was no longer in business. John didn't have any money to hire new contractors nor could he afford any of the costs that might be associated with litigation.

Sadly, I hear stories like this all the time. People trust their insurance companies because they watch the commercials. By the time they figure out there's a problem, it's too late. This website has information to protect you from exactly these types of situation. Protect yourself.


John's house fire where he learned the truth about insurance companies!
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