Blog
-
Why Most Long-Term Disability Appeals Get Denied
One of the most common questions I hear is this: Why do most disability appeals get denied? Most people assume it’s because their condition isn’t serious enough, because the insurance company didn’t believe them, or because they filled something out wrong. But the real reasons are usually simpler . . . and much more frustrating.
-
Why Should I Not ONLY Submit Medical Records for My Long-Term Disability Claim?
This is the core problem. Medical records are created so doctors can: They are not written to answer all disability insurance questions. Doctors usually do not document: Doctors are an essential part of the process (See Point 3), but without specific requests, their reports will not go as far as the insurance company demands. Those
-
The Deadline That Actually Controls Your Virginia Car Accident Case
Most people injured in a car accident worry about the wrong deadline. They worry about the insurance adjuster’s deadline.The “final offer.”They worry about the warning that their window to settle is “closing.” But none of those deadlines are real, and none of them determines whether you still have the legal right to pursue your case.
-
What Insurance Companies Are Really Looking For in a Long-Term Disability Claim
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
-
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
