Helpful Resources: Did You Know?

If an insurance adjuster calls and asks you to describe a car wreck you were recently involved in, he's asking you to give a "statement"?

Did you know that any statement you give will be tape-recorded and can and will be used against you in court?

Did you know that when an insurance adjuster asks "are you ok?" he doesn't care nearly as much how you're actually feeling as he cares about limiting your claims for physical injury, pain and suffering?

Did you know that when an adjuster asks you questions about your wreck, he's following a carefully written script designed to trap you with your own words and limit your claims?

Did you know that automobile insurance companies have a team of lawyers and trained claims adjusters working to protect their profit margin and reduce the value of your claim?  Shouldn't you have a lawyer working on your side, too?

Did you know that, often, you won't know how badly you were injured in a car wreck until days, weeks, or even months later?

When ligaments, tendons, nerves and muscles are torn, bruised or strained -- what's often known as "whiplash" -- the effects frequently take a long time to show up and a long time to heal -- often far longer than broken bones.

The insurance industry calls these "soft tissue" injuries and treats them as far less serious (and worth far less) than broken bones -- even though they often hurt just as much or more than broken bones.

Did you know that most sales contracts for the purchase of an automobile, mobile home or pest control services (especially termite bonds) have an arbitration clause?

Did you know that, if you sign a sales contract with an arbitration clause, you will probably lose your right to a jury trial even if you later find out that the seller has deliberately defrauded you?

Did you know that most sales contracts for the purchase of an automobile or a mobile home have "as-is" clauses?

Did you know that, if you sign a contract with an "as-is" clause, you will probably lose your right to sue if you later find that the car was wrecked or defective, even if the salesman swore that it had never been wrecked and was in "perfect shape?"

Did you know that many sales contracts for the purchase of an automobile or a mobile home have clauses that limit your claims to, at most, getting back the money you paid for the product, without any chance of punitive damages or compensation for the time and hassle the fraud has cost you?

Did you know that Alabama is a "right to work" state?  (Also known as "employment-at-will.") That means an employer can fire you at anytime, for any reason (or no reason at all).

The only exceptions are:

• you can't be fired because of race or ethnicity, gender, age or disability
• you can't be fired because you made a workers compensation claim