Albemarle Tradewinds March 2018 Web OPT

JIM KAIGHN INSURANCE AGENCY- HOME OF THE “INSURANCE DOCTOR”
This article is a reprint to re-introduce myself to new readers
T
his is my fi rst article about insurance. Here, you will get to know
me better . People need to have confi dence and trust in their advisor.
My philosophy about my work is for my clients to understand
what they are buying, to understand the terminology, to understand
their views and wants, so I can better fi t an idea that best suits them
and their family and/or business.
As of now, I have been in the insurance business for 50 years, longer
than any other agent in this area specializing in Life and Health
Insurance related policies. I also have insurance degrees in Life and
Health Insurance and in Financial Planning, but, I specialize in Insurance
planning!! I am not saying I am the smartest agent, just that I
have ability to do my work smarter for people and their business.
I do not have a fancy office with 20 secretaries, I work out of my
home since 1980..When I do speak with folks, I come to their
home or offi ce, making it more convenient for you.
I have written insurance articles for the DAILY ADVANCE, given
seminars with other professional people in law, accounting and
investments to help people get more knowledge.
I have a very good working knowledge on car, homeowners, and
business insurance, for I use to have a license in Property and
Casualty Ins.
I have taught insurance classes at the COLLEGE OF THE
ALBEMARLE and insurance classes for Real Estate agents for
them better understand insuranceand how it fi ts into their clientele’s
insurance questions.
The main difference between myself and other agents is that I
work with many companies, not just one.. Many times I am told that
folks have their Life Ins. where they have their car and homeowners
coverage because it is easier to have all their policies with one
agent and one agency..This is good, but understand, that agent only
has one company to choose from, they can not shop around for the
best ideas, I CAN AND DO!!.. Also, that agency’s main business is
car and homeowners and business insurance, they are not 100%
fi xed on Life Ins.like my companies are..All I ask people to do is to
give me a try, no promises, no scare tactics, just my best work THE
FIRST TIME!!!
I will be doing future articles on different topics and I will take ideas
from the readers on topics they want info about..I can be reached at
335 5983 or 202 5983 or at my e-mail--www.insdr@roadrunner.com
..My website is WWW.INSDRJIM.COM-- Until later--HAPPY TRAILS
TO YOU!!!
by Jim KAIGHN, CLU,CHFC,RHU,AABA, BSBA,LUTCF
Using Medical Experts in Injury Cases
Experienced injury attorneys have to know a lot about
medicine. It is impossible for me to competently help my
badly injured clients unless I fully understand and can explain
to either insurance companies or juries the full effects and
impacts of my client’s injuries. I spend a lot of time researching
injuries, their consequences, the impact of those injuries on
other parts of the body, and the cause of those injuries.
However, sometimes my clients are injured in ways that are
beyond my understanding, or they are injured so signifi cantly
that I cannot be sure of their prognosis or the likelihood of full
of partial recovery. In those cases I hire a nurse consultant
or another doctor to help me understand the injuries, or what
the future holds for my clients, or to simply help me speak the
treating physician’s language so that the treating physician can
provide the necessary reports or testimony to make sure that
the responsible person or insurance company is held accountable.
Sometimes I use nurse consultants. These nurses review the
medical records and summarize them for me. They also point
out problematic issues that I need to address, such as medical
record errors, or the lack of certain necessary tests, or the
failure of the physicians to fully appreciate important aspects
of the case. Sometimes I send nurses to my client’s medical
appointments to observe and/or communicate directly with the
doctor, in the same way that worker’s compensation insurance
companies send nurses. Nurses are often very valuable members
of my legal team.
by Danny Glover
limited conversations I had with the doctor, I was having a hard
time getting the doctor to understand the legalese necessary
for him to help his patient and my client with his case. As a
result, the insurance company continued to deny the claim
because I was unable to provide the magic forms and reports
that the insurance company was requiring (which is code for
the insurance company simply using any excuse possible to
deny the claim). I hired an orthopedic doctor to consult with
me. That doctor reviewed all of my client’s medical records
and fi lms and then educated me - from Point A to Point Z -
about how physicians would view the chain of medical events
from the day of my client’s wreck until the present day. With
that specifi c micro-medical education in hand, I was then able
to effectively communicate with my client’s doctor to obtain the
medical testimony necessary to force the insurance company
to pay what it legally owed on the claim.
So, when choosing an attorney to handle your injury case,
make sure that you choose an attorney who not only knows
the law, but also knows the medicine involved in your case, or
the experts who can educate the lawyer about the medicine in
your case.
In other cases I may actually hire doctors of the same
specialty as my client’s treating physicians. While much more
expensive than simply hiring nurses, it is frequently well worth
the expenditure. In one case a few years ago, I was having
problems communicating with my client’s doctor, and in the
10 Albemarle Tradewinds March 2018 albemarletradewinds.com