Here are the Top 10 Myths you will hear about your Workers Comp case:

#1 "You don't need a Lawyer."

Truth: You do need a lawyer because this is probably your first serious insurance company claim and you are up against a professional insurance adjuster backed by a team of experienced lawyers.

Insurance companies make billions of dollars
by paying claimants less. The less they pay you, the more they make. The less your
adjuster gets you to accept, the happier his
boss will be. We see client after client frustrated by trying to deal with an insurance adjuster directly, only to be offered a fraction
of the money they deserve.

#2 Your insurance adjuster is a nice and trustworthy guy who is here to help you.

Truth: He's only a nice guy if he wins! At his job, he only wins when you lose. At MHK, we only win when you win. You are not more important to your insurance adjuster then his job, or him getting a raise or promotion.

Successful insurance company adjusters will act like your best friend ... as long as they think they can win. Your adjuster knows that if you don't know what your case is worth, then he is in the driver's seat! This is playing right into his hands.

#3 "Your injuries were not from this accident. Everybody has a bad back by your age!"

Truth: If your pain started as a result of this work accident, then you may be entitled to compensation for your injuries.

Your insurance adjuster may tell you that your spine problems are "degenerative" which means "not from an accident." While your x-rays may show degenerative changes, if these areas of your body didn't hurt until after your accident, then the insurance company is likely responsible for your lost wages and payment of your medical bills.

#4 "Your injuries really aren't that serious."

Truth: Insurance adjusters will often act as though they have so much experience with work injuries that they know exactly what your injury is worth. That may be true. The problem is that they will not really tell you what they think your injury is worth. They'll minimize it and try to make you feel as though you are being unreasonable. Why? Because the less money you accept, the better they look in their job performance.

#5 "If you sign the insurance company's medical authorization, they will settle your case sooner."

Truth: One of the biggest mistakes that accident victims make is to give the other guy's insurance company access to their private, personal medical records. The insurance companies don't make billions of dollars by doing favors for you. By giving your adjuster access to your very private and personal medical records, you are allowing him full access to information that he can now control, spin and use against you.

#6 "The sooner you come back to work, the better off you will be."

Truth: This is another ploy to help the insurance company minimize the seriousness of your injury. You should return to work only when your doctor agrees that you are well enough to work.

Doing otherwise risks worsening your injuries while weakening your Worker's Comp case.

#7 "The insurance adjuster can help you better if you give him permission to record your statement about your accident."

Truth: The only reason your insurance adjuster wants to speak with you or record your statement is so that he can use it against you later. For instance, if shortly after your accident, your insurance adjuster asks you about your injuries, he is hoping that you will not tell him about everything that hurts.

He may even cut you off so you don't finish answering his questions. That way, if you complain about knee pain later on, he will use your recorded statement from after the accident to argue that you didn't complain about your knee in your recorded statement, so your knee injury is obviously not from the accident.

#8 "If you get a lawyer, you will just have to pay him from your settlement."

Truth: If you have a lawyer represent you, you will receive on average 200- to 300-percent more money than if you represent yourself.

The insurance companies know this. That's why they will try to convince you that you don't need a lawyer.

#9 "$1,500, or $2,500, or $5,000 or $15,000 is a lot of money. You will never get a better offer."

Truth: The insurance company will not honestly tell you what your injury is worth. They want you to accept as little as possible. It's better to have an expert on your side--someone who will honestly tell you the amount of money to which you are entitled.

#10 "Everyone else with an injury like yours has gone back to work already."

Truth: What other people have accepted for their injuries has no bearing on what you should receive. Just because other people were treated unfairly, does that mean you must be treated unfairly as well?

The best path is to get more information. Call MHK to get a free, no-obligation assessment of your Workers Compensation case.

Don't be mislead by lies and myths. Know your rights and make sure they are honored and protected.

Call MHK at 1-877-MERWINE or use the Fast Response Form on this page to get a free assessment of your Workers Comp case.