While on a recent trip to southern California, I met up with an old friend who just graduated from law school. While in law school, he really enjoyed his criminal classes and decided that he wanted to be a criminal defense attorney. While I was talking with him, he told me how long his days are and how he would get calls in the middle of the night from his clients needing help because they had just been arrested for something. I began to tell him about how easy personal injury law is and why he hadn’t decided to be a PI attorney. “The money is easy and you work 9 to 5″ I told him.

He told me that the reason he had stayed away from personal injury law was because there were too many PI attorneys. It was a highly competitive industry. If you don’t believe me, open the phone book and look at how many personal injury attorneys there are.

So why are there so many personal injury attorneys? Below is the main reason there are so many attorneys and I will offer a challenge to the insurance companies to cut that number in half:

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The hardest thing about negotiating your injury settlement claim will be dealing with a jaded adjuster from the insurance company. You are the one that went through the hassle and troubles of the accident and the adjuster will be another piece adding to your pain and suffering. Why is it that some adjuster are such a pain in the rear to deal with?

Think about their job description: to deny any fraudulent claims and to evaluate legitimate injury claims and pay out as little as possible on those claims. Let’s break this down and give you a better understanding why the job in and of itself creates a jaded adjuster.

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When dealing with insurance companies, you will quickly realize they are the most hypocritical companies around. The government forces you to do business with them, and yet the former requires little to no regulation. Herein lies the first part of the hypocrisy: you pay premiums because it’s the law. But the minute you make a claim, your rates go up or they drop you completely. And that’s just the beginning.

When you make an injury claim, insurance companies scrutinize your injury with a fine tooth comb. If you have any history of a similar injury in the last decade, they will try and claim it as unrelated to the accident (i.e. aggravation of an old injury). This previous injury could be years old and you could have zero symptoms, but somehow this is an old injury and not a new one caused by the negligence of their insured driver. (more…)