Introduction: New Book CASE DENIED ADJUSTERS

Case Denied

ADJUSTERS

By JW Mica

This is a work of fiction.  Names, characters, places, and incidents either are the product of the author’s imagination or are used fictitiously.  Any resemblance to actual persons, living or dead, events, or locales is entirely coincidental. 

JW Mica

All Rights Reserved
 

What major industry other than Insurance charges you a premium for a promise and then tries hard to break that promise?  What if you knew the person making a life and or death decision regarding you and your future only had a High School Education?  What if that same person, known by most as “adjusters” only had about two weeks training before being given a case load in excess of 100 files and told to resolve them as new claims to the tune of about five per day were coming to their desk?  What if these adjusters were sitting at desks in rows that resembled an assembly line and were more concerned with breaks and lunch and quitting time than the proper handling of your claim?  What if these adjusters spent more time in meetings and socializing after work at the local pub, then trying to get caught up on their work and become more proficient at their job?  What if these adjusters could recommend denial of your claim, or tell medical professionals that they could not do the medical procedure that Doctors had recommended?  What if these adjusters could actually use their preconceived ideas about you, and prejudices’ in deciding when and how much to pay for your claim?  Do you really think that the insurance companies with slogans like “the Good Fingers people” or “like a Next Door Neighbor” or “the Stone” or “we got your Back” has any actual merit or semblance of reality when it comes to handling your insurance claim?  Cute icons, like Cartoon Characters, or the Blue Panther, are in place to make you the consumer feel more confident about the insurance company that is looking to take as much of your money as they can, and give back as little as possible.  How would you feel if you knew the Insurance Company that you were paying your hard earned money to was using that money to not only promote Political Candidates that you would never consider endorsing, or on elaborate meetings and parties that make the recent IRS events seem like a beach party?  What if that “security blanket” that you thought the insurance company was providing you was in reality nothing more than an elaborate scam trying to separate you from your money with a simple promise that they never intended to keep?  And then you must ask the question, how the insurance company makes me feel that I need insurance, and the simple answer is “FEAR”!  Get consumers to purchase as many things as they can, live the life they have always wanted, then implant the fear that without insurance they could lose it all.  Without fear, and manipulated by and with over reacted news coverage, most rational people would see through the fog of lies and misinformation that is presented on a daily bases.  Suggestion would be to limit your ownership to things you can protect without insurance and if you buy insurance do your homework and find out as much as you can about that company.  It will not be easy as they work hard to hide behind a wall of fabricated facts and so called real life testimonials from Hollywood actors!  In this book your will follow my path from college to sales jobs to adjusting with several major insurance companies. You decide your fate and future and don’t let some big insurance company fear you into submission!  Just as with the percentage of fraudulent claims that are reported, so goes the percentage of “bad” or “fringe” adjusters.  For the most part most insurance claims are above board as are most adjusters.  I have worked with hundreds of adjusters and would trust my life with most of them!  Not all of them, but most of them!  This book is actually dedicated to all those hard working, honest and well educated adjusters that are out there.  Unfortunately many of them are now either retired or out of work!  As I said at the introduction, this book is fiction, and I will add that any resemblance to actual people, companies, places, events or things is purely a coincidence and most likely the product of the authors’ imagination.




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