Traps You Might Face When Giving a Recorded Statement

Once you’ve been in an accident and file a claim, an insurance claims adjuster will probably contact you a few days after your collision to take a recorded statement.

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On one hand, giving a statement helps speed up the investigation and settlement of the claim. However, it also serves no legal purpose and could ultimately weaken your case.

Unfortunately, some claims adjusters will use recorded statements to try to hurt your claim by making you slip up.

Examples of Questions

What were you doing immediately prior to the collision?
Where were you going?
What direction were you traveling?
If during the day, where was the sun?
Was there a glare on your windshield?
Were you on time or late?
What was the speed you were traveling?
Was anyone else in the car?
Was the radio on?
Where were you looking immediately prior to the collision?
How far away from you was the defendant when you first noticed him?
What did you do to try to avoid the collision?
Did you honk your horn?
Did you deny any medical treatment?
Did you take any sick days?
Has the pain resolved by now?

Any answers you give in a recorded statement, which may have been “best guesses” at the time, may haunt you later in the litigation process. Do not participate in a recorded statement without hiring and consulting with your attorney. This will prevent the adjuster from getting too far off track, and it will ensure you receive a copy of your own statement for later review.

For more tips like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.


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7 Honest Reviews That Will Convince You to Read “Plaintiff 101”

People are raving about the #1 Amazon Best Seller “Plaintiff 101.” See why you should read the book that readers are calling an “excellent resource” and “indispensable guide.”

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To find your own copy, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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Should you stack your car insurance coverage?

At least 1 in 7 drivers is uninsured. If you get in a car accident and don’t have prudent insurance planning in place, you will be limited to the liability insurance coverage purchased by the driver who negligently injured you.

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On a state-by-state basis, minimum per person liability coverage can range from $10,000 to $50,000, with the vast majority of states requiring between $15,000 and $25,000. That may sound like a lot of money, but what if you require extensive hospitalization, long term rehabilitative therapy, or are out of work for an extended period of time?

What is stacked insurance coverage?

Stacking helps you pay for post-accident medical and property expenses after you’re hit by a driver who lacks sufficient (or any) liability coverage. It’s a way to combine your liability coverage limits if you insure multiple cars.


Let’s say you have two separate car insurance policies: one for your truck and one for your car. You buy $50,000 of uninsured motorist bodily injury (UMBI) coverage for each. Then, it happens—an uninsured driver slams into your truck. Your truck is totaled and you’re hurt in the crash. If you stacked your UMBI coverage, you’ll be able to file a claim under both policies if needed. So, if your injury bills exceed one policy’s $50,000 limit, you have an extra $50,000 to work with from the car’s policy, as long as each policy is in your name.

For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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13 Key Questions to Ask When Hiring An Attorney

During civil litigation, it is important that you find an attorney suited to your case with a successful track record at trial (even if you do not desire to go to trial).

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When you’re meeting with attorneys, there are some important questions to ask them.

  1. Do you have any areas of specialty?
  2. Do you have any experience regarding my type of injury/damages?
  3. Do you go to trial?
  4. How often do you go to trial?
  5. What are your results at trial?

While conducting your own research, there are also key questions to answer yourself.

  1. How long has the attorney been in business?
  2. Does the attorney’s office reflect the trappings of success?
  3. How much work will the law office be able to put into my case?
  4. How large is the support staff?
  5. What will be the division of labor between attorney and paralegals/legal assistants?
  6. How many files does the attorney have in litigation?
  7. Did the attorney take the time to answer all of my questions?
  8. Is the attorney asking me to advance any costs out of my own pocket? (Red Flag)

For more tips and inside information like this, you can read the #1 Amazon best seller “Plaintiff 101” by clicking here.

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3 Tips About Your Doctor Visits During a Personal Injury Lawsuit

During the civil litigation process, the opposing counsel will use a variety of tactics to undermine your case. One of those tactics involves using your doctor, and your treatment, against you.

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Here are a few tips that your lawyer will want you to know.

  1. Follow your treating doctor’s advice, even if it involves something as minor as bedrest. If you don’t listen to your doctors, you will be providing the defense counsel with the ammunition to say you “failed to mitigate your damages.” Basically, the defense attorney will argue that the defendant shouldn’t have to pay for injuries that you made worse by failing to accept treatment.
  2. Never discuss litigation with your treating doctor. It’s highly likely that anything you say to your doctors will end up in their notes and medical records, which the defense counsel can scrutinize and use against you.
  3. Find a good doctor who can both treat you and testify for you as a medical expert. Don’t assume that every doctor has the ability or desire to participate in a lawsuit. The last thing you need is a doctor unwilling to stand his/her ground against a forceful defense attorney.

For more tips and inside information like this, you can read the #1 Amazon best seller “Plaintiff 101” by clicking here.


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Are You Looking for a Motivational Speaker? Karen Mertes Gives Speeches on Leadership

Karen is a retired Lieutenant Colonel from the Air Force, and she is often asked to give presentations on key leadership tips she learned throughout her military career.


As a motivational speaker, Karen speaks on a variety of topics. She provides key leadership tips for success, along with strategic, organizational, and financial insights.

Some examples of speeches she’s given include:

  • “Champion Leadership”
  • “A Give Back Model for Business”
  • “Honoring Our Veterans”

Karen is the founder of Fulfill Your Destiny, and any payments she receives from public speaking are donated directly to her non-profit organization.

To learn more about her motivational speaking, you can visit her website at or email to set up a speaking engagement.

If you’re interested in owning her Amazon best seller “Plaintiff 101,” you can click here to order your copy today.

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6 Fun Facts About July 4th to Bring up at the Barbecue This Year

Happy 4th of July! This week while you’re celebrating America’s independence with fireworks and hot dogs, here are some interesting facts about our country’s history that you can share around the family table.

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1. Two Days Late

The Second Continental Congress met on July 2nd to formally approve the new nation’s independence from Great Britain. Then, newspapers published the news two days later on July 4th. So, we’re actually celebrating on the wrong day. John Adams thought July 2nd would become a memorable holiday, writing to his wife, “The Second Day of July 1776, will be the most memorable Epoch, in the History of America.”

2. How long have we been celebrating with fireworks?

According to the Pennsylvania Evening Post in 1777, the city celebrated the first anniversary of our nation’s independence with gun salutes, fireworks, and canon salutes. There was even a 13-shot canon salute to represent the 13 states at the time.

3. 13 Taps

Every 4th of July, the Liberty Bell is symbolically tapped 13 times—the bell hasn’t been rung since 1846 to avoid cracking it.

4. Eagles vs. Turkeys

Thanks to John Adams and Thomas Jefferson, we have the bald eagle as our national bird. If the decision had been solely Benjamin Franklin’s, America would have had the not-so-majestic turkey.

5. Coincidence?

On July 4th, 1826, founding fathers Thomas Jefferson and John Adams died within hours of each other. It was exactly 50 years after Congress approved the Declaration of Independence. They were the only two men to have signed the declaration and later become presidents.

6. Red, White, and Green.

Since bright colors were hard to come by even for the rich, most people in those days celebrated Independence Day with lush greenery.

Have fun and stay safe this 4th of July!

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