Thousands of Americans are locked in lengthy legal battles as insurance companies delay settling legitimate insurance claims, but there are groups that can help you get by until a settlement is reached.
Law Cash, a leader in the pre-settlement industry, is one such firm that is providing financial relief to those who have been injured and battling to make ends meet while waiting for a settlement.
This is made possible through pre-settlement funding, a concept that allows plaintiffs to access money to pay for mounting expenses during the legal process before their case is settled.
For Jane Doe, who found herself in mounds of medical and legal debt after she was involved in a car accident, this meant she would not have to lose her home or sacrifice her daughter's education.
"I had to endure the pain of a broken pelvis, two cracked ribs and a badly bruised jaw, but when I came to realize that my physical recovery and the related expenses were going to be only one part of my trauma, and that my mounting debt was putting my home and my daughter’s college education in jeopardy, depression replaced hope and a dark cloud seemed to hang over my entire being," she said in a statement.
It is not uncommon for insurance companies to delay settlement of insurance claims.
As Russ Roberts, a New Mexico-based management consultant and former business professor at Northwestern University, pointed out to HuffPost, claims have been converted into a money-making process.
He said companies taking 70 percent of total insurance profits in the U.S. now abuse their obligations to their policyholders.
The American Association for Justice noted that 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."
However, "insurance companies still engage in dirty tricks and unethical behavior to boost their bottom line even further. "
Speaking about her own experience, Doe echoed these sentiments, stating that "the insurance companies seem poised to pray on your weakness by offering you a lowball settlement."
This is where groups such as Law Cash come in.
The company provided Doe with a $5,000 advance, which amounted to about 6 percent of what Law Cash projected to be the value of her total settlement.
To help her manage the funds, the group provided her with a debit card that only allowed her to take money that she needed to pay for essential expenses, ultimately lowering the overall cost of the pre-settlement advance.
If the case were to be lost, claimants would owe nothing, the company explained, noting that its pre-settlement funding was not a loan and that payment rates only applied to the money provided to the claimant during the course of the litigation.
"With cash on hand to pay for life needs such as rent and general living expenses, managing cash flow, and securing medical care while awaiting settlement of their case, consumers and their attorneys are in a stronger position and don't have to simply accept the lowball amount an insurance company initially offers," said Harvey Hirschfeld, President of Law Cash.
"Law Cash empowers consumers to get a fair and equitable resolution."
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