{"id":137749,"date":"2017-07-15T23:33:42","date_gmt":"2017-07-15T23:33:42","guid":{"rendered":"https:\/\/jamesmckiernanlawyers.com\/?p=137749"},"modified":"2023-01-31T07:55:52","modified_gmt":"2023-01-31T07:55:52","slug":"july-newsletter-2017","status":"publish","type":"post","link":"https:\/\/jamesmckiernanlawyers.com\/en\/blog\/july-newsletter-2017\/","title":{"rendered":"JML July Newsletter: Beware the Insurance Company Three D\u2019s: Delay, Deny, Defend"},"content":{"rendered":"<div style=\"width: 100%; margin: 0 auto; text-align: left;\">\n<table class=\"c-news\" border=\"0\" width=\"700\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\">\n<tbody>\n<tr bgcolor=\"#21ABDC\">\n<td width=\"40\"><img decoding=\"async\" class=\"c-spacer\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/spacer.gif\" alt=\"\" width=\"40\" height=\"1\" border=\"0\" \/><\/td>\n<td width=\"620\">\n<table class=\"inner-table\" border=\"0\" width=\"620\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"padding: 10px 5px 12px 0;\"><span style=\"color: #ffffff; font-size: 14px; font-family: Arial, Helvetica, sans-serif;\">Having trouble viewing this email? <a style=\"color: #ffffff;\" href=\"https:\/\/letamericaknow.com\/inc\/goto_link.php?etr=m22797o932n388s884423e0i1703b0z1489414371&amp;clickinfo=0&amp;clicksrc=newsletter-1703&amp;url=http%3A%2F%2FLetAmericaKnow.com%2Fview_newsletter_ysk.php%3Fmemberid%3D22797%26orderid%3D932%26newsletterid%3D388%26issueid%3D1703%26subscriberid%3D884423\" target=\"_blank\" rel=\"noopener noreferrer\">Click here to view newsletter online.<\/a><\/span><\/td>\n<td style=\"padding: 10px 5px 12px 0;\" align=\"right\"><a style=\"color: #ffffff; font-size: 15px; font-family: Arial, Helvetica, sans-serif;\" href=\"https:\/\/letamericaknow.com\/member\/view_profile.php?memberid=22797\"><b>+ SUBSCRIBE<\/b><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td width=\"40\"><img decoding=\"async\" class=\"c-spacer\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/spacer.gif\" alt=\"\" width=\"40\" height=\"1\" border=\"0\" \/><\/td>\n<\/tr>\n<tr>\n<td class=\"cc-blank\"><\/td>\n<td>\n<table class=\"inner-table\" style=\"border-bottom: 1px solid #aaaaaa;\" border=\"0\" width=\"620\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td width=\"252\"><img decoding=\"async\" style=\"padding: 15px 20px 15px 0;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/ysk_logo_v3_md.png\" alt=\"\" width=\"242\" height=\"75\" \/><\/td>\n<td width=\"5\"><img decoding=\"async\" class=\"c-bar\" style=\"padding: 15px 3px 0 3px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/ysk_spacer_v3ex.png\" alt=\"\" width=\"5\" height=\"75\" \/><\/td>\n<td style=\"padding: 10px 0 5px 0;\" align=\"center\" width=\"358\">\n<div style=\"width: 100%; overflow: hidden;\">\n<p style=\"margin: 0; padding: 4px 0 0 0; line-height: 120%; font-size: 20px; font-family: Georgia, 'Times New Roman', Times, serif;\">JAMES MCKIERNAN LAWYERS<\/p>\n<p style=\"margin: 0; padding: 0 0 0 0; line-height: 120%; font-size: 18px; font-weight: bold; font-family: Arial, Helvetica, sans-serif;\">Winning For You!<\/p>\n<p style=\"margin: 0; padding: 0 0 4px 0; line-height: 120%; font-size: 14px; font-family: Georgia, 'Times New Roman', Times, serif;\">(800) 200-HURT (4878)<\/p>\n<p style=\"margin: 0; padding: 0 0 2px 0; line-height: 120%; font-size: 12px; font-style: italic; font-family: Arial, Helvetica, sans-serif;\">July 2017<\/p>\n<\/div>\n<\/td>\n<td width=\"5\"><img decoding=\"async\" class=\"c-bar\" style=\"padding: 15px 0 0 3px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/ysk_spacer_v3ex.png\" alt=\"\" width=\"5\" height=\"75\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td class=\"cc-blank\"><\/td>\n<\/tr>\n<tr>\n<td class=\"cc-blank\"><\/td>\n<td style=\"padding: 10px 0 0 0;\">\n<table class=\"inner-table\" border=\"0\" width=\"620\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"cc-left\" width=\"200\">\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"padding: 0 0 10px 0;\"><img decoding=\"async\" style=\"width: 180px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/06\/photo20170106145010.jpg\" alt=\"Attorney Photo\" \/><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 5px 15px 15px 0;\">\n<h2>When the \u201cGood Hands\u201d Become Boxing Gloves<\/h2>\n<p>We see insurance companies in action almost every day. While not all of them act in bad faith, many of the largest companies changed business tactics in the 1990s to maximize profits while minimizing claim payments. Many of these are also the companies with the catchy advertising slogans and the quirky commercials.<\/p>\n<p>This month we uncover some of the \u201ctricks of the trade\u201d these companies use to deny people the insurance benefits they deserve. And we include tips and resources we hope will help you fight back if your claim is unjustly denied.<\/p>\n<p><a title=\"Continue reading.\" href=\"https:\/\/www.delaydenydefend.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Continue reading.<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 5px 15px 5px 0;\"><a href=\"https:\/\/jamesmckiernanlawyers.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/06\/logo20170307132057.jpg\" alt=\"James McKiernan Lawyers Logo\" width=\"180\" height=\"180\" border=\"0\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 15px 5px 0;\">\n<div align=\"center\">\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"4\" align=\"center\">\n<tbody>\n<tr>\n<td style=\"width: 24.4186%;\" align=\"center\" width=\"32\"><a href=\"https:\/\/www.linkedin.com\/in\/james-mckiernan-aaa1b318\/\"><img decoding=\"async\" class=\"alignnone\" style=\"padding: 2px 2px 2px 2px; display: inline;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_icon_li_sm_ex.png\" alt=\"\" width=\"32\" height=\"32\" border=\"0\" \/><\/a><\/td>\n<td style=\"width: 24.4186%;\" align=\"center\" width=\"32\"><a href=\"https:\/\/www.facebook.com\/James-McKiernan-Lawyers-305870092829848\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" style=\"padding: 2px 2px 2px 2px; display: inline;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_icon_fb_sm_ex.png\" alt=\"\" width=\"32\" height=\"32\" border=\"0\" \/><\/a><\/td>\n<td style=\"width: 25%;\" align=\"center\" width=\"32\"><a href=\"https:\/\/twitter.com\/McKiernanLaw\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" style=\"padding: 2px 2px 2px 2px; display: inline;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/03\/yskv3_icon_tw_sm_ex.png\" alt=\"\" width=\"28\" height=\"28\" border=\"0\" \/><\/a><\/td>\n<td style=\"width: 25%;\" align=\"center\" width=\"32\"><a href=\"mailto:chris@mckiernanlaw.com?subject=Let America Know Inquiry\"><img decoding=\"async\" class=\"alignnone\" style=\"padding: 2px 2px 2px 2px; display: inline;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_icon_em_sm_ex.png\" alt=\"\" width=\"32\" height=\"32\" border=\"0\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td width=\"10\"><img decoding=\"async\" class=\"c-spacer\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/spacer.gif\" alt=\"\" width=\"5\" height=\"1\" border=\"0\" \/><\/td>\n<td width=\"400\">\n<div class=\"inner-div\" style=\"width: 400px; border-left: 1px solid #aaaaaa; padding: 0 0 0 10px; overflow: hidden;\">\n<table class=\"inner-table\" border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td colspan=\"2\">\n<div class=\"inner-div\" style=\"border-bottom: 1px solid #aaaaaa; font-size: 15px; width: 400px; line-height: 1.4em; padding: 0 0 5px 0;\">\n<div>\n<table class=\"inner-table\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td><img decoding=\"async\" class=\"f-eye\" style=\"height: auto; width: 400px;\" src=\"https:\/\/letamericaknow.com\/content\/images4\/1707\/Claim%20Denied%20Edited%202.jpg\" alt=\"Post\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 class=\"c-n-title\">Beware the Insurance Company Three D\u2019s: Delay, Deny, Defend<\/h2>\n<p>When you buy insurance, you\u2019re buying security. In exchange for your hard-earned dollars, you trust the insurance company to be there when disaster strikes, to shoulder a potentially devastating financial burden. But too many insurance companies care more about profits than policyholders. They employ shady tactics to keep from paying legitimate claims, a practice we call The Three D\u2019s.<br \/>\n<a href=\"https:\/\/letamericaknow.com\/view_feature_ysk.php?memberid=22797&amp;orderid=932&amp;issueid=1707#\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" style=\"width: 105px; height: 26px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_btn_read_more_ex.png\" alt=\"\" width=\"105\" height=\"26\" \/><\/a><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table class=\"inner-table\" border=\"0\" width=\"400\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td style=\"padding: 5px 0;\"><\/td>\n<td style=\"padding: 0;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 0 10px 0px 0;\" width=\"200\">\n<div style=\"padding: 0; margin: 0;\">\n<h2>BY THE NUMBERS<\/h2>\n<p style=\"font-size: 38px; font-family: arial,helvetica,sans-serif; margin: 0;\"><b>10 Worst<\/b><\/p>\n<p>The nonprofit organization Fight Bad-Faith Insurance Companies publishes a list of the best and worst insurance companies based on claims denied and bad faith.<br \/>\n<img decoding=\"async\" class=\"alignnone\" style=\"width: 105px; height: 26px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_btn_read_more_ex.png\" alt=\"\" width=\"105\" height=\"26\" \/><\/p>\n<\/div>\n<\/td>\n<td style=\"border-left: 1px solid #aaaaaa; padding: 0 10px 0px 10px;\" width=\"200\">\n<div style=\"padding: 0; margin: 0;\">\n<h2>VIDEO BOOKMARK<\/h2>\n<p><b><i>How to Appeal an Insurance Claim Denial<\/i><\/b><\/p>\n<p>It\u2019s tough to know where to start if your insurance claim has been denied. Watch this video for steps on what to do next if you intend to appeal.<br \/>\n<a href=\"https:\/\/www.youtube.com\/watch?v=CJyCfkK7sxA\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" style=\"width: 105px; height: 26px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_btn_view_video_ex.png\" alt=\"\" width=\"105\" height=\"26\" \/><\/a><\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 5px 0;\"><\/td>\n<td style=\"padding: 0;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"border-top: 1px solid #aaaaaa;\" colspan=\"2\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 5px 0;\"><\/td>\n<td style=\"padding: 0;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 0 10px 0px 0;\" width=\"200\">\n<table border=\"0\" width=\"100%\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td>\n<h2>THE DOCKET<\/h2>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #444444; padding: 3px 0 2px 0;\">\n<ul style=\"margin: 0; padding: 0; padding-left: 1em; text-indent: -0.95em; list-style-type: disc; list-style-position: inside;\">\n<li><a style=\"color: #444444; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em;\" href=\"https:\/\/jamesmckiernanlawyers.com\/contact-us\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>DO I HAVE A CASE?<\/b><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #444444; padding: 3px 0 2px 0;\">\n<ul style=\"margin: 0; padding: 0; padding-left: 1em; text-indent: -0.95em; list-style-type: disc; list-style-position: inside;\">\n<li><a style=\"color: #444444; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em;\" href=\"https:\/\/letamericaknow.com\/inc\/goto_link.php?etr=m28o39n401se0i1707b0z1500420737&amp;clickinfo=0&amp;clicksrc=newsletter-1707&amp;url=http%253A%252F%252Fwww.letamericaknow.com%252Ffeatures_and_benefits\" target=\"_blank\" rel=\"noopener noreferrer\"><b>AUTO ACCIDENTS<\/b><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #444444; padding: 3px 0 2px 0;\">\n<ul style=\"margin: 0; padding: 0; padding-left: 1em; text-indent: -0.95em; list-style-type: disc; list-style-position: inside;\">\n<li><a style=\"color: #444444; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em;\" href=\"\/personal-injury\/san-luis-obispo-brain-injury-lawyers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>BRAIN INJURY<\/b><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #444444; padding: 3px 0 2px 0;\">\n<ul style=\"margin: 0; padding: 0; padding-left: 1em; text-indent: -0.95em; list-style-type: disc; list-style-position: inside;\">\n<li><a style=\"color: #444444; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em;\" href=\"\/personal-injury\/san-luis-obispo-wrongful-death-attorneys\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>DEATH CASES<\/b><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"color: #444444; padding: 3px 0 2px 0;\">\n<ul style=\"margin: 0; padding: 0; padding-left: 1em; text-indent: -0.95em; list-style-type: disc; list-style-position: inside;\">\n<li><a style=\"color: #444444; font-family: Arial, Helvetica, sans-serif; font-size: 12px; line-height: 1.2em;\" href=\"\/personal-injury\/san-luis-obispo-dog-bite-injury-lawyers\/\" target=\"_blank\" rel=\"noopener noreferrer\"><b>DOG BITES<\/b><\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td style=\"border-left: 1px solid #aaaaaa; padding: 0 10px 0px 10px;\" width=\"200\">\n<h3>WHEN INSURERS STOP TREATMENT<\/h3>\n<p><em>CNN investigates insurance companies that deny critical treatments for patients suffering from immunodeficiency disease.<\/em><\/p>\n<p><a href=\"https:\/\/www.cnn.com\/2017\/06\/06\/health\/immunodeficiency-disease-insurance-treatment-partner\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" class=\"alignnone\" style=\"width: 105px; height: 26px;\" src=\"https:\/\/jamesmckiernanlawyers.com\/wp-content\/uploads\/2017\/01\/yskv3_btn_read_more_ex.png\" alt=\"\" width=\"105\" height=\"26\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td class=\"cc-blank\"><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td style=\"padding: 5px 0;\"><\/td>\n<td><\/td>\n<\/tr>\n<tr bgcolor=\"#D8D8D8\">\n<td class=\"cc-blank\"><\/td>\n<td width=\"620\">\n<div class=\"cfff\" style=\"padding: 10px; color: #333333; font-size: 12px; width: 100%; font-family: Arial, Helvetica, sans-serif;\"><i>You Should Know<\/i> is a copyrighted publication of Voice2News, LLC, and is made possible by the attorney shown above. This newsletter is intended for the interest of past and present clients and other friends of this lawyer. It is not intended as a substitute for specific legal advice. If you no longer wish to receive these emails, <a href=\"https:\/\/www.letamericaknow.com\/subscriber\/unsubscribe.php?src=email&amp;email=cmckiernan@mckiernanlaw.com\" target=\"_blank\" rel=\"noopener noreferrer\"><u>click here to unsubscribe from this newsletter<\/u><\/a>, and your request will be honored immediately. You may also submit your request in writing to: Steven L. Miller, Editor, 4907 Woodland Ave., Des Moines, IA 50312. Be sure to include your email address.<\/div>\n<\/td>\n<td class=\"cc-blank\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Having trouble viewing this email? Click here to view newsletter online. + SUBSCRIBE JAMES MCKIERNAN LAWYERS Winning For You! (800) 200-HURT (4878) July 2017 When the \u201cGood Hands\u201d Become Boxing Gloves We see insurance companies in action almost every day. While not all of them act in bad faith, many of the largest companies changed<\/p>\n[...]","protected":false},"author":2,"featured_media":298157,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[84,1],"tags":[],"class_list":["post-137749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsletter","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>JML July Newsletter: Beware the Insurance Company Three D\u2019s<\/title>\n<meta name=\"description\" content=\"Having trouble viewing this email? Click here to view newsletter online. + SUBSCRIBE JAMES MCKIERNAN LAWYERS Winning For You! (800) 200-HURT (4878) July 201\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"JML July Newsletter: Beware the Insurance Company Three D\u2019s\" \/>\n<meta property=\"og:description\" content=\"Having trouble viewing this email? Click here to view newsletter online. + SUBSCRIBE JAMES MCKIERNAN LAWYERS Winning For You! 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