Hello and welcome. My name is Mike Burman.
I have been reading insurance policies and understanding how the law applies to personal injury or and wrongful death cases for more than 25 years. In almost every case, some question about insurance arises and must be resolved. Insurance questions involve:
- What is the amount of insurance coverage available?
- Who is covered?
- What is covered?
- What is required to open a claim?
- What is required to pay a claim?
- When is the insurance company acting in bad faith?
Have you ever tried to read your insurance policy? Without an attorney on your side, the insurance company has a distinct advantage over you when you present an injury or death claim to an insurance adjuster.
My job is to help you understand whether the insurance company is correctly interpreting the insurance policy under the law and facts of your case. Just because an insurance adjuster says there is no coverage, that does not mean the insurance adjuster correctly applied the policy to the facts of your case. My professional objective is to protect you and give you sound advice.
Does more than one policy apply? Which insurance policy pays first when more than one policy applies? What about uninsured and under-insured motorist coverage? What about med-pay for deductibles or personal injury protection coordination with workers compensation coverage?
Do you know that most health insurance policies have a clause that asserts a lien against any money you might recover for your injury, and that failure to address this lien could result in a loss of health care benefits for you and other members of your family under that policy? In other situations – if you are not knowledgeable – you can lose certain types of insurance benefits by not giving notice, or not following certain laws or insurance contract terms.
If you are concerned that your medical bills will far exceed the amount of insurance coverage, so that very little, if anything, will be left for you, then you need to discuss the matter with me before making decisions about how to proceed. In many cases, I have significantly reduced or eliminated the amount of reimbursment. By doing so, my clients kept more money in their pockets to compensate for their injuries.
I will develop a Plan of Action for your case. We will work together to understand how to maximize your insurance benefits for your needs. You do not need any money to hire me. I look forward to hearing from you. Click Here To Schedule Your Free Consultation