Those are the happy days when an Orange County personal injury insurance adjuster can tell his supervisor that he has convinced an accident victim in California cities like Laguna Beach, Corona del Mar or Newport Beach not to hire a lawyer. I imagine the conversation goes something like this.

“Did you talk the person out of hiring a suit?” the supervisor asks.

“You can bet on it, boss,” the adjuster said.

“What routine did you use this time?” the supervisor asks.

“You know, the one I like the most is where I tell them how fair we can be and how they don’t need to hire a lawyer.”

Supervisor nodes. “So now he’s going to ignore them until the statute of limitations is about to end and they panic to settle for anything.”

“You got it, boss,” the adjuster says.

“What will you do if they threaten to hire a lawyer?” the supervisor asks.

“Then I’ll pretend we’re busy getting the medical records, and if you’re patient, we’ll make sure all your bills are handled and still put $500 in your pocket,” the adjuster says.

“I guess the company won’t really pay all the medical bills, right?” the supervisor asks.

“I’m sure our medical department will pay what they think is reasonable and if the doctors refuse to accept what we send, that will only add more pressure on the accident victim to settle with us.”

“So you’re not actually promising customers that we’ll pay all of their bills?” the supervisor asks.

“Hell no,” says the adjuster. “I’m just telling them to send in your medical bills and we’ll look into what’s related to your accident. I’m also telling them that doctors love to charge more than is reasonable and by having us deal with them, that’s how we can keep the rates down.” of such low insurance”.

“So low?” asks the supervisor, laughing. “That is a good one.”

“What do you tell them when they ask about pain and suffering?” the supervisor asks.

“The usual. I’m telling you, you’re not entitled to pain and suffering for an ambulance ride, or those big hospital bills, or for X-rays or other diagnostic tests, for chiropractic bills that are inflated, or, well, just for about everything.”

“That’s good, that’s very good.”

“Then you have an excuse for everything,” says the supervisor.

“Absolutely, boss,” the adjuster says. “And since they’re not lawyers, and since they’ve never heard this before, well, you know what most people do when times are tough.”