“What part of this story am I expected to believe?” I asked myself. When I asked my son what he was doing out here at night he laughed and said, “I was on my way to your house when I remembered that I had a chicken in the oven and if I didn’t get back to my apartment it would burn, so I headed back home!”
Alcohol or drug abuse affects 25 million Americans; only four million get treatment
The need in this country for increased insurance coverage for alcohol and drug addiction treatment is indisputable. Drug rehab and drug detox have little or no recognition among health insurers, yet drug addiction is a major cause of ruined lives, family violence, emergency room visits, and death. According to the U.S. Bureau of Labor, alcohol and drug addiction also cost America $77 billion each year in lost productivity. Clearly something needs to be done to make it easier for addicts to get alcohol and drug rehab.
You can, no doubt, negotiate your claim with an insurance company yourself in order to avoid the cost of hiring a personal injury lawyer. But, the insurance companies and their lawyer are very well aware of the fact that you do not know the legal statements about your legal rights and remedies. They, therefore, try to do everything they can to take advantage of you and to effect the lowest possible settlement.
In case you decide to sue, they might even attempt to elicit statements from you that will damage your position.