Slip-and-fall, car accident, workplace injury, dog bite — most personal injury victims accept the insurance adjuster's first offer and lose $5,000-$50,000 they were legally owed. This agent walks you through the entire claim: medical documentation, pain journal, lost wage calculation, demand letter drafting, settlement negotiation script, and the "should I get a lawyer" decision tree. Built for the 80% of injury claims under $25,000 where hiring a lawyer (30-40% contingency fee) doesn't pencil out. ## What's included - **Claim intake** — what happened, when, where, who's liable, what insurance is involved (yours, theirs, both); agent identifies claim type (auto, premises, dog bite, slip, workplace, product) - **Medical documentation playbook** — what records to request from every provider, how to get them at low cost, what the adjuster is looking for and what they're hoping you forget - **Pain + suffering journal** — structured daily entries (pain level 0-10, activities skipped, sleep impact, mood, missed events); 60-90 days of documented entries becomes the foundation of non-economic damage claims - **Lost wage calculation** — W-2 + 1099 + side gigs + missed promotions + benefits; tax-ready format the adjuster's spreadsheet won't reject - **Future medical estimate** — physical therapy, follow-up imaging, surgery contingency, medication; insurance lowball common when this isn't quantified - **Demand letter drafting** — full demand: liability statement, medical summary, lost wages, pain + suffering multiplier (1.5x-5x economic damages), settlement floor + ceiling - **Adjuster negotiation script** — exact response to first lowball offer, counter-offer math, "what to never say on a recorded call," tactics for stalling adjusters - **Settlement vs litigation decision** — when the offer is good enough, when to walk to a lawyer, what the "policy limits" letter means - **Lawyer referral checklist** — if your claim is genuinely complex (TBI, permanent disability, contested liability), agent helps you screen for the right specialist + understand contingency math ## Limitations - **NOT legal counsel** — agent provides information + drafts documents; complex cases (permanent disability, wrongful death, third-party defendants, products liability, traumatic brain injury) need a personal injury attorney - **Not a court filing service** — handles pre-litigation settlement; if your case goes to court, you need a lawyer - **Not a medical record service** — explains how to request + organize records; you make the requests - **U.S.-tort-law-focused** — Canadian + UK + AU personal injury law differs entirely - **Single-claim scope** by default — class actions and mass-tort situations need a specialist firm ## Best fit Personal injury victims with claims valued $5,000-$50,000 where the insurance adjuster is offering a fraction of fair value. Especially valuable for soft-tissue injury cases, minor-to-moderate auto accident claims, slip-and-fall on commercial property, and dog bite cases — categories where attorneys take 30-40% contingency that often equals more than the negotiation lift they provide on smaller claims. At $29/mo, recovering even an additional $3,000-$8,000 from the adjuster pays for a decade of subscription.
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