When you file a long-term disability claim, you’re usually asking questions like: The insurance company is asking something very different. I’m Brandon Osterbind, an injury and disability attorney in Virginia. I help people whose long-term disability claims have been denied. And once you understand how insurance companies actually review disability claims, their denial letters start […]
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Why Insurance Companies Use Fake Deadlines After a Virginia Injury Accident
You’re still in pain.You’re still treating.You’re still trying to make sense of what your doctors are telling you. And right in the middle of all of that, the insurance company calls, not to help, but to warn you that your time is “running out.” They tell you they’ll only cover treatment for a short period […]
What Happens If the Driver Who Hit You Has No Insurance in Virginia?
You can follow every rule and do everything right. Despite that, you can still find yourself seriously injured by someone who never should have been on the road in the first place. That’s a hard reality for many Virginians, and one that raises an important question: What happens if the driver who hit you has […]
How a False Accusation of Fault Can Destroy a Virginia Injury Case
You can follow every rule.You can exercise every bit of caution.And still find yourself blamed for causing your own injuries. That’s not hypothetical. That’s exactly what happens to people every day in Virginia. I’m Brandon Osterbind, a personal injury lawyer here in Virginia. And because Virginia follows a harsh legal rule called pure contributory negligence, […]
Should I Talk to the Insurance Adjuster After a Virginia Car Accident?
If you’ve just been in a car accident, your phone is going to ring . . . and it will ring FAST. But the first call you get won’t be from your doctor or your own insurance company. It’ll be from the other driver’s insurance adjuster, sounding friendly, helpful, and concerned. They’ll say, “We just […]
Who Pays for Your Medical Treatment After a Virginia Car Accident?
If you’ve been injured in a Virginia car accident, you’re probably hearing all kinds of advice. Some advice may be helpful, but some are flat-out wrong. One of the most common areas of confusion is who should pay your medical bills after a crash. Unfortunately, some medical providers, especially chiropractors, give guidance that directly violates […]
4 Signs You Should Hire a Personal Injury Attorney in Virginia
Getting into a car accident turns your life upside down fast. One minute you’re driving home, and the next you’re dealing with pain, insurance calls, and a vehicle that might not even be drivable. In the midst of it all you may find yourself asking, “Do I need a personal injury attorney after a car […]
How to Lose Medical Malpractice Case
Why medical malpractice cases are hard to win? Picture this. A woman goes to her doctor. She feels something isn’t right. The doctors run tests. She trusts them to find what matters. Months pass. Her symptoms grow worse. Finally, the truth comes out—she has cancer. By then, it has spread. Options are limited. She and […]
Can You Sue a School in Virginia
Can you sue a school in Virginia? Can a school board really be held accountable when a student suffers abuse on a school bus? The answer depends on one critical legal doctrine: sovereign immunity. In a recent case, Newport News School Board v. Z.M., the Supreme Court of Virginia clarified the limits of that immunity. […]
How many times can you appeal a long-term disability denial
You applied for long-term disability benefits through your employer’s insurance plan. You thought you had enough medical proof. Then, you got the letter. The insurance company denied your claim. Now you’re wondering what to do next—and how many chances you have to get this right. Let’s talk about how many times you can appeal an […]
