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February 2019 Archives

Does Tennessee "Red Flag" Bill Allow Police to Take Guns Without Due Process?

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The right to due process is so important to the enjoyment of American freedom that its genesis dates back to the Magna Carta and was explicitly guaranteed to citizens not once, but twice, in the United States Constitution. The Fifth Amendment to the United States Constitution guarantees that the federal government cannot deprive you of "life, liberty, or property without due process of law" and the Fourteenth Amendment prohibits the individual states from doing the same. Tennessee may do just that with the introduction of House Bill 1049 / Senate Bill 943, which is being called the "Families Know First Act" (let's call it the FKFA for convenience) but is in reality a bill that gives carte blanche to law enforcement to seize a person's firearms and ammunition should that person be deemed an "extreme risk" by law enforcement.

Should I sign an Authorization to Release Medical Records from the Insurance Company in my Car Accident Claim?

Authorization For Release Of Health Information

If you have been injured in a car accident and are dealing with the at-fault driver's insurance company, then chances are the adjuster handling your claim has asked you to sign an Authorization to Release Medical Records. On it's face, it seems like a good idea to go ahead and sign the authorization- You have to get the records and bills anyway, right? Why not let the adjuster do the work for you? The insurance adjuster will make it sound like he needs them to pay you what you are entitled to. Unfortunately, this is far from the real truth of why he wants your medical records.

No, the Insurance Adjuster is not your friend.

insurance
  1. The adjuster is not your friend. Seriously, they're not.

The more significant the damages are in your car accident case the more likely it is that the adjuster contacting you will act like your friend-- at least at first. If the adjuster believes the value of your injury claim is below $5,000.00, they are more likely to be rude and abrupt. (Many of my clients relay in our initial consultation that the adjuster handling their claim actually hung up on them more than once.) If an insurance company perceives that they have a significant loss exposure, the adjuster is most likely going to establish rapport with you and will seem helpful and fair at least until they start talking about money.

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