What is the best way to maximize an insurance settlement without hiring a lawyer. Any tips?

I am been dealing with workers compensation for over 2 yr regarding my neck and upper back. The only treatment i am receiving right now is Chiro. Due to the horrific pain I went in to my own personal physician to seek help for the pain. I was referred out to have an MRI done which show i have 2 bulging disk in my neck at c5/c7 which flatten the cervical spinal cord causing mild central canal stenosis and mild bilateral neural foraminal narrowing, left greater than right. .Which is anyone can explain that line above i would appreciate that .I also have a annual tear in my lumbar that was also discover thru the MRI’s and was told by QME doctor that since this was not a complaint when i filed a claim although it was discover now thru the mri’s just as the bulging disk also. He said I have to handle my lumbar issue on my own. Can any respond on that? Why one i have workers comp doctors treating my for one part of my back and my personal dr treating me for my lumbar? I know the injuries occured on the job. It sounds like to many hand in the same pot. I dont feel comfortable have to different people working on my back. Is is okay for me to seek an orthopedic surgeon to seek the best treatment? Workers comp want to send me to a pain management doctor to seek epidural first to see if that works with my pain then if not then the next step would be surgery. When i go in to see the ortho speicalist will he see me since it is workers comp injury? Since he specialize in this i feel he would be able to give me more on my issue than when i get in to see the pain management doctor for workers comp. Is is wrong seeking help thru my private insurance since i have not getting anywhere yet with workers comp? I am waiting my qme report for a referral to the pain management.

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december 18th i got hurt at work- I work as a patient aid in a mentally retarded based homing facility.
As I was doing a stand pivot with a paitent, she went limp and I got a huge pain in my right knee, and it began to have a buring sensation. I told the charge nurse and he sent me to fill out the workers injury papers. from there I went strait to the hospital that they told me to go to. by that time I could barely put any weight on my right knee because of the pain. at the doctors, the lady just felt around on my knee and asked how i hurt it, gave me anti inflamatories and sent me on my way, with orders that i could go back to work but only on sit down duty. the agency i work through informed me that it was their policy that i could not return to work on restrictions. I let them know that I needed a claim number so that I could visit my personal doctor (family doctor) and that I refused to go back to where they had sent me because I felt i was not given the proper attension. well a week later- I still have no claim number despite the fact that I call EVERY DAY. and now the place i work for has me down for no call no shows for all the time i have been off. I have done my part 100% called both places (the place i work through and the place i work for) I faxed doctors note, ect. But I cannot get anything out of them! help!

I was involved in an auto accident yesterday where an older suv traveling southbound ran into me as I was making a left hand turn. The two witnesses in the other car claim I was at fault, while I contend they were. When an officer arrived to the scene, the other driver, who couldn’t speak English, didn’t have a drivers license and gave the officer an insurance card that didn’t match the name she gave him earlier, although she tried to say her name had changed. When the officer told her that she could operate a vehicle without a DL she just acted shy and smiled then said her father had a DL (in broken English). I asked the officer to find out if she had a license but he told me to just wait and acted as if it weren’t of any big importance. I believe that her name isn’t even on the insurance and that the car belongs to her father, who was the other passenger with her, and the person on the insurance who she’s claiming to be is her mother.

My questions are 1.) how can I make sure she isn’t trying to file a false claim by saying she’s someone else (her mother) and 2.) what are the consequences for getting in an auto accident while driving without a drivers license?

Note: not sure what their coverage is.

I have the following ethical situation to write about:

A client has confided many sensitive issues to you in the course of therapy. During the therapy, the client is injured in the workplace and develops post-traumatic symptoms. The Worker’s Compensation insurance company pays her claim for medical treatment, but denies any payments for psychotherapy. After repeated attempts to gain coverage for her work-related psychological injuries, the client retains an attorney to represent her at a hearing before the Worker’s Compensation Board.
The client’s attorney contacts you to share her plan to call you to testify at the Worker’s Compensation Board hearing.
What are the ethical and therapeutic issues that you must take into account in this situation?
Should you agree to testify? Explain your reasoning.

I know:
If I were to go along with the attorney and testify I would need consent from the client to release personal information.

I might give biased information since I already have had a professional relationship with the client for a while. Should I recommend an outside psychologist to evaluate the client and testify?

Or… Am I needed to let the Board know that these new issues that have come up after the injury have no relationship with what the client was already seeing me for? Maybe they are refusing psychotherapy because she was already receiving it and they are claiming the mental issues were preexisting and in that case I would need to testify?

I know in child custody evaluations the psychologist is best to have no previous relationship with any of the clients involved for fairness. I am not sure in this case.

What am I missing here? The instructor is looking for something specific and I think I am missing it.

I’m trying to gather credible information from advocates for, and those against, childhood vaccinations. All reliable sources that are familiar to me such as the AAP, CDC and AMA, are obviously FOR vaccinations. However, I’m having a terrible time finding CREDIBLE sources (not just opinion and personal testimonies, but valid statistics to back up claims, as well… something that I can cross-reference) that provides research findings, numbers, stats, and the like.
Does anyone have any suggestions as to where I can continue with my research on this issue?
Some issues that I will be addressing in my paper are:
*Government mandates on vaccinations VS. exemptions granted (for religious reasons and/or otherwise)
*Risks VS. health benefits
*Misinformation from media
*Possible skewed numbers from drug companies and doctors due to under-reported cases of injury/adverse reactions, and due to profit agendas. (This view probably won’t make the cut, but it’s still a consideration)
Thanks!

I got into a car accident a little while ago and am having trouble with the other party’s car insurance company. The accident was irrefutably the other person’s fault but their insurance company (Statefarm) has yet to resolve the case…two months later!! MY insurance company (Allstate) closed the case within one week but everytime I call the "other" agent he keeps giving me the runaround that his client has yet to submit his statement. WTF?!

Isn’t there some type of automatic decision if an insurance company cannot contact their client after an extended period of time after an accident?? To me that is unacceptable service, ESPECIALLY because I need to have my car repaired. However, even when I ask for an escalation process Statefarm claims that there are none…I am just supposed to wait. Any suggestions???

I’m trying to gather credible information from advocates for, and those against, childhood vaccinations. All reliable sources that are familiar to me such as the AAP, CDC and AMA, are obviously FOR vaccinations. However, I’m having a terrible time finding CREDIBLE sources (not just opinion and personal testimonies, but valid statistics to back up claims, as well… something that I can cross-reference) that provides research findings, numbers, stats, and the like.
Does anyone have any suggestions as to where I can continue with my research on this issue?
Some issues that I will be addressing in my paper are:
*Government mandates on vaccinations VS. exemptions granted (for religious reasons and/or otherwise)
*Risks VS. health benefits
*Misinformation from media
*Possible skewed numbers from drug companies and doctors due to under-reported cases of injury/adverse reactions, and due to profit agendas. (This view probably won’t make the cut, but it’s still a consideration)
Thanks!

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