Latest / Coopers' Code / Why Humanizing Plaintiffs Changes Everything in Court
Transcript
- 0:00I've always understood it's not my case.
- 0:02Whoever the client is, it's their case.
- 0:04I serve at their pleasure, so I like to keep their pleasure
- 0:07high. And I really just apply the
- 0:10golden rule. If I'm a client, what would I
- 0:12want? I'd want no surprises.
- 0:14If you want me to review something, give me some time.
- 0:17Don't tell me it's due tomorrow at 10.
- 0:19Don't make any big decisions or commitments unless I'm in on it.
- 0:23It's my case and so forth. And so I do, I just apply that
- 0:28with the client regardless of whether they're happening in the
- 0:31one instance to be the insurance company or self insurance,
- 0:35they're going to know the case as it's going.
- 0:39Howdy, and welcome to the show. Cooper's Code focuses on legal
- 0:44issues and noble practitioners, distilling wisdom so we all
- 0:47achieve the best results for our clients.
- 0:49I'm Miles Cooper and I'm thrilled to share Part 2 of this
- 0:53conversation with Clement Glenn. As you were working to build a
- 1:00case to to to get it right, do you find that your firm is
- 1:06approached by certain carriers or certain companies or certain
- 1:09profiles, higher exposure types of cases?
- 1:13We generally do not work for carriers.
- 1:16I have one exception I can tell you about that.
- 1:18But throughout my career it's been primarily been self
- 1:23insured. So DuPont was, it was and a huge
- 1:27client of mine for many years. We, they're still a client, but
- 1:29they've changed in their, they've split off and done
- 1:33things, you know, General Electric and other Fortune
- 1:36companies. So that, that was the beauty of
- 1:39Pillsbury. I got exposure to these firms
- 1:43and firms like that and they, they had exposure to me.
- 1:46So when I say, hey, my rates are cheaper and here I am of my own
- 1:49shingle, you know, I, I had some credibility.
- 1:53We don't advertise, we don't do any of the stuff that lawyers
- 1:57do. Maybe we're we stay busy.
- 2:01So I guess it's working. I said I don't work for
- 2:04carriers. Most of us who deal with
- 2:06carriers understand they like premiums better than claims.
- 2:10And also if you're dealing at the adjuster level, you're often
- 2:16dealing with somebody who's trying to impress somebody at
- 2:18the next level, who's trying to impress somebody.
- 2:21And you need to be at that upper level, right?
- 2:22Which is why you guys send your policy limits or time limited
- 2:26demands so that you get the attention of the committee.
- 2:30And they do, and they do that. They respond to that.
- 2:33A guy that I used to work with at General Electric, great guy,
- 2:36he's one of my best friends in the profession.
- 2:38Left GE, which has undergone its own dramatic changes several
- 2:43years ago, became a consultant to a particular insurance
- 2:47company, I won't name them, but and did a TBI case and they
- 2:52didn't like the panel council they had.
- 2:55And they, he came to me and said, hey, we're really worried
- 3:00about this case, could you guys help?
- 3:02And so we did, we got a good result for them.
- 3:07And then they said, well, we got another tough one.
- 3:09So that has kind of gone. And those tend to be higher
- 3:12exposure cases. And some of them I'm the
- 3:15grandfather in the sense that there's a concept I never knew
- 3:19about called monitoring council where I look over the shoulder
- 3:24of the lawyer doing the hard work and decide, you know, do I
- 3:28have any thoughts? And in certain cases, do I need
- 3:32to say something to the insurance company like you need
- 3:35to make a change? You know, they usually are
- 3:38already at that point where they they're concerned when they ask
- 3:41you to take a peek as monitoring council.
- 3:44But I like injury work, not because of any morbid sense, but
- 3:50it's, you know, it's part of life, it's human dramas, it's
- 3:55pain, it's loss, it's. And I think being able to
- 4:02comprehend that and to show the appropriate reverence towards
- 4:09those episodes in people's lives is a useful thing.
- 4:13And there's lots of defense lawyers who are cynical as hell.
- 4:17Everybody's game in the system. Every plaintiff's lawyer is just
- 4:21a scumbag who wants to make more money than the other plaintiff's
- 4:24lawyer that he wants to out advertise, you know, all that
- 4:27stuff. And then on the plaintiff side,
- 4:30you know, everybody on the defense side is a, you know, and
- 4:34I'm not to, you know, can't afford their car.
- 4:36And you know, all that stuff goes on.
- 4:38And I don't think you ever maximize anything positive when
- 4:44you approach, if you don't let the stereotype you may start
- 4:47with get dislodged. Let's say that casualty work, as
- 4:51I say, I think is, is they're also, you know, they tend to be,
- 4:57I mean, you can get massive medical records and things like
- 4:59that, but they tend not to be these huge hundreds of thousands
- 5:04of pages of commercial documents and emails and all that.
- 5:09And that gets, you know, I've done it many times, but they're
- 5:13a little bit more, they're a little bit more compact, even
- 5:16the big cases. And, and then the other thing is
- 5:19there's going to be an outcome in those cases.
- 5:21And one way or the other, most of them are going to get
- 5:24settled. Most of them aren't going to go
- 5:26to trial. And I think being able to
- 5:29participate in a solution is a gratifying thing.
- 5:32You know, if you're if you're positively participating.
- 5:35And then of course if you, you know, if you run up against
- 5:40somebody who is a little bit wacky in their evaluation from
- 5:45the plaintiff side, then you have to try the case.
- 5:47Then you try the case. And but I think even just
- 5:50providing A credible threat as a defendant, as a defense lawyer,
- 5:55you know, makes a difference in case resolution.
- 5:58I mean, when I get a new case, if I'm defending, I always want
- 6:02to see who's who's the plaintiffs lawyer.
- 6:03That's the first thing I ask. Because you could take the same
- 6:08volume of clay as a sculptor and there are ones who will turn it
- 6:14into an unbelievable work of art and others who will just turn it
- 6:18into a bowl that's holds Cheerios.
- 6:21And I want to know which, you know, which sculptor I'm dealing
- 6:23with. So.
- 6:24And the same is true on the defense side, you know, 'cause
- 6:27the defense lawyer creates your risk.
- 6:28If you're a plaintiff's lawyer, facts are the facts.
- 6:31But OK, yeah. What do we do with them?
- 6:34And, and I, I like being part of that process.
- 6:38And at this point, I think I've got, you know, reasonable amount
- 6:42of St. cred and if I don't, I'm going to run out of runway
- 6:46pretty soon. On the street cred side, when,
- 6:49when someone was asking a little bit about who who you are, I was
- 6:55describing how that there are are people in this field who I,
- 7:00I sometimes would describe it as a deep sea creature.
- 7:03You know, there are whales in the law and then the people that
- 7:05are beneath the whales and monitoring councils is the other
- 7:07phrase for them, which you don't even know that this person is
- 7:10shot calling in your case. And and yet there they are on
- 7:16that front or related front. You've talked a few different
- 7:20times. You use the word human and and
- 7:23interactions. Can you outline some ways in
- 7:28which you feel that being a human and being a defense lawyer
- 7:32has made an impact? And I'm I'm thinking about
- 7:36meeting with a plaintiff in mediation or, or other
- 7:39situations. Like that one of my favorite
- 7:40instances of that was a case, very simple accident case.
- 7:46I was Sears Roebuck was the defendant.
- 7:53One of their employees didn't T-bone, but sideswiped a car and
- 7:59the so I the case was assigned to somebody else and in the, you
- 8:05know, a panel lawyer somewhere, I'm sure.
- 8:08And the woman who was the driver of the other car started getting
- 8:16some neck pain. She went to Kaiser.
- 8:20Kaiser told her what you're going to need is a neck surgery.
- 8:23And she said no thank you and, and went home.
- 8:25And then she continues to get worsening neck pain, you know,
- 8:32the old artificial whiplash, right?
- 8:35So she goes back and they said, yeah, you know, we've got
- 8:38there's findings there. You're, it's you need to deal
- 8:41with this. So she agrees to do the surgery
- 8:43and comes out of it hemiplegic on the left side.
- 8:47So now they figure it's a dangerous case.
- 8:50And they call me and say, we want you to try this if you
- 8:53know, but we'd like you to help us try to resolve it.
- 8:57So we go to mediation. It was my first involvement in
- 9:02the case and wasn't a complex case.
- 9:07And she's there, 2 lawyers were there for her, good lawyers.
- 9:13Our mediator was Bill Bentinelli.
- 9:16I was there, but there was a pretty good number of people
- 9:19there. And Bentinelli starts the
- 9:22mediation and I thought it was a very clever way.
- 9:24He he says, man, we're going to be talking a lot about you
- 9:28today, but let's hear from you first.
- 9:31Tell us who you are. And her opening line was who I
- 9:37am is not who I was. It was not rehearsed, 100%
- 9:42spontaneous in my view. And I knew the lawyers pretty
- 9:45well. They're not, you know,
- 9:48architects, They're presenters. And she starts talking about her
- 9:53life story. And she grew up in the flats in
- 9:56Oakland. And she was, you know, in kind
- 9:58of the deprived part of the town.
- 10:01And she was very important for her to escape the life and get
- 10:05out of that. And by the time of this
- 10:07accident, she was a criminal. She was an investigator for the
- 10:11Alameda County District Attorney's office dealing with
- 10:13welfare fraud. And as she's talking about her
- 10:19life and how she got to that point, she has this magical
- 10:22smile. There are more teeth than the
- 10:25average person, or at least more that showed up when she smiled.
- 10:29And she clearly enjoyed talking about that and her life.
- 10:35And then she started talking about how things are after the
- 10:39accident and the surgery. And pretty quickly into that
- 10:45phase of it, she started crying. And again, maybe she took me in,
- 10:52but I don't think so. I think it was real and it was
- 10:55spontaneous and why not? Her life had been radically
- 11:00changed. So I don't know how long she
- 11:03spoke for. It was very got a sense of who
- 11:06she was a plus in front of a jury.
- 11:10Good Lord, she I don't know if I mentioned she was African
- 11:14American woman and I did mention the, you know, the bad she
- 11:18wanted to get out of the life and her husband's there and he
- 11:21was a janitor on the railroad cars.
- 11:25So she was the major bread runner for the family.
- 11:28So Bettinelli turns to the plants.
- 11:30Lawyer. You have anything you like that?
- 11:33No, we're good then. So then it's my turn.
- 11:37So I never met her. And I said missus so and so I,
- 11:42you know, my name is Clement Glenn.
- 11:44I'm a lawyer. I'm representing Sears.
- 11:47I said our driver was an idiot. We fired him.
- 11:51That doesn't do you any good. So I'm here for two reasons.
- 11:57The first reason is to see if I can help resolve the case.
- 12:02And I'm good at evaluating cases.
- 12:04I know, you know, what we as lawyers do is try to figure out
- 12:07what's the risk in the case, What's it worth it if it goes to
- 12:11a jury? And I'm pretty good at that.
- 12:12And I said, and the other thing is if we can't get it done today
- 12:15and we have to go to trial, then I would try the case.
- 12:20And I'm pretty good at that. And I said, I've watched you and
- 12:30I can deal with your tears in the courtroom.
- 12:33And I've done that before because tears are real and they
- 12:36have to be respected. But I'm OK with that.
- 12:39I said, but I don't know how I'm going to deal with your smile.
- 12:43And I meant it because she had she had this charismatic,
- 12:49wonderful, you could tell she was just a positive person.
- 12:53And then I started talking about, I've listened to you and
- 12:57I've learned something about who you are, you know, even before
- 13:00today and, and you've gotten a lousy deal here.
- 13:03But I'm not sure there's another person around who would continue
- 13:10to achieve Despite that the way you will, in my opinion.
- 13:14And what you need is to get this behind you feel like you're
- 13:19safe. And then I think you're going to
- 13:24really, you know, you're going to do as well as anybody given
- 13:28your, the hand you've been dealt the whole time I'm talking to
- 13:31her husband is gone. He's naughty.
- 13:33And he said, you know, he's, you can see, he said he know, he
- 13:36knew I figured out his wife and he was, and he liked me for it,
- 13:41you know, he. And so we settled the case.
- 13:44I don't remember how much. And the lawyers, I was friendly
- 13:47with those lawyers from before and I, they came up to me and
- 13:50said the 1st 10 minutes that you spoke, you settled the case, you
- 13:54validated her, she saw you were a human being, you know, all
- 13:57that stuff. So I, I, I, I just think it's in
- 14:01the injury world, the demonization of plaintiffs and
- 14:04the demonization of plaintiffs lawyers and fight, you know, the
- 14:08demonization of defense lawyers is kind of completely
- 14:13dysfunctional. And besides the point, what,
- 14:16what you've got to do is you've got a human situation and you
- 14:22deal with it with some sensibility and civility and
- 14:27compassion. Does it show you're weak if you
- 14:30have compassion or does it show you're strong?
- 14:32And that's why I told her what I told her that, you know, I'm,
- 14:35I'm not afraid to, to go to trial with you.
- 14:37I will go to trial with you if we have to, but we don't want
- 14:39to. And so I'm, I'm giving her both
- 14:43messages. I've said, you know, when
- 14:47younger lawyers, they'll come in and well, you know, I got to.
- 14:50I'll just say, look, liability may be a stretch in this case,
- 14:53OK, this person has suffered this injury.
- 14:58Think about it in terms of your family.
- 15:00That's your wife, your brother, your son, your sister.
- 15:04Think about it not are you angry at somebody?
- 15:08But how is it going to change the family dynamic that, you
- 15:12know, there's there's a problem that wasn't there before.
- 15:14It's got to be dealt with. It changes everybody's lives.
- 15:17Who has contact with that person?
- 15:19So anyhow, I think that's one of the reasons I like personal
- 15:24injury cases and I as a result, I've made friends, in some cases
- 15:29close friends with, you know, some of the really best of the
- 15:34plaintiffs bar because they know I'm not going to play the game.
- 15:401 And I will say that it is both more enjoyable to practice with
- 15:47people who engage that way the way that you're describing, and
- 15:51far more dangerous. The Flat Earth defense lawyer
- 15:58does not tend to do anywhere near as well as somebody who
- 16:02respects the person who's been hurt on the other side.
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- 16:19dot Law. I tried a case of Martinez some
- 16:22years ago. The woman was a toll taker on
- 16:24the one of the Vienna Bridge, I think.
- 16:26And DuPont, who I mentioned was a good client of mine, had a
- 16:30pipe break and little, little chlorine leak out.
- 16:34And chlorine is heavy and it just doesn't diffuse right away,
- 16:38you know. So the cloud reached her in her
- 16:41tollbooth and she sued, said she had horrible injuries to her
- 16:45airway. She was a fascinating case
- 16:50because I, you know, we got all of her past medical records and
- 16:53they were literally 5 feet high. Not from this episode per SE,
- 16:58but from life. And she was a person who was low
- 17:03socioeconomic. She had, you know, we're all
- 17:10amateur diagnosticians, right? But I think she had severe self
- 17:17esteem problems. What particular axis she was on,
- 17:22I don't know, but she would find in comfort in doctors, these
- 17:30important educated men usually, but women too, in her case, were
- 17:38paying attention to her. That made her feel good about
- 17:42herself. Yeah, it was really a a tragic
- 17:45thing because you'd see some minor presentation and it gets
- 17:49worse on the next report and worse and worse and worse.
- 17:52So obviously it's a case in which if you release chlorine,
- 17:56even if whatever the case may be, it's a case where you're
- 17:59going to try to settle. And we did.
- 18:01And we tried to settle it for significant payment.
- 18:04And her lawyer was he was, he was not somebody I made friends
- 18:10with. He, he was, he was just like
- 18:13everything was, you know, traps and gotcha and, you know, So
- 18:18anyhow, we go out and tried the case.
- 18:22And I, I guess I should tell you one more fact that it was a
- 18:26fascinating and lucky part of this case.
- 18:29I got remember Sanders who used to sit in Discovery and Contra
- 18:33Costa, Judy Sanders. So Discovery, when I got the
- 18:37case again, a long story, the discovery was closed and I saw a
- 18:42hole that hadn't been done. And one of her affectations or
- 18:48symptoms was that she would talk to you and she'd say, Mr.
- 18:52Cooper, good to meet you. And her voice would just go to a
- 18:56whisper. And because she had has a legend
- 19:02airway injury that was devastating and God, the legal
- 19:06system didn't treat her fairly. There was a doctor that
- 19:09pulmonologist, she's very well known in asbestos circles who
- 19:13had prescribed massive doses retained by the plaintiffs
- 19:17lawyer, massive doses of Prednisone, so massive that she
- 19:23was hospitalized with a psychotic break and she had an
- 19:27embrittlement fracture on her foot because as you probably
- 19:31know, Prednisone take take your bones apart and that didn't heal
- 19:36for a couple of years. She got it pinned and she was
- 19:39just, you know, the. And so anyhow, she was just
- 19:43being abused by this system that we work in which the top
- 19:50plaintiff slides just don't do you know, they, they don't play
- 19:53it that way. They don't have to, but they
- 19:54don't play it that way. So I got Sanders to.
- 20:00Because of us, he'd played a game, and I pointed out the game
- 20:03he played. And so she got pissed and she
- 20:05reopened Discovery. And I had a guy named Doctor
- 20:09Herbert Dido, who's now dead at UCSF.
- 20:13I got permission to have him do an examination of her vocal
- 20:16cords with a little camera while he tested her, and he videotaped
- 20:23her vocal cords as he tested her.
- 20:25And in the test, first thing he did is he had her read a simple
- 20:30paragraph. The red fox went over the the
- 20:34green grass down the hill and came.
- 20:36So she read just like she talked.
- 20:38The next part of the test, they put earphones on and they give
- 20:41delayed audio feedback. So she's like a deaf person.
- 20:45She's not hearing real time, so she can't modulate her voice.
- 20:49The red fox went over the green hill and got the ball perfect
- 20:54and, and each time you can see the vocal cords going in, you
- 20:57know, all this stuff. And Tito was a character.
- 20:59I, I shouldn't and I won't. In this, he had an alternative
- 21:03explanation for what had aggravated her throat.
- 21:07But he was a brilliant guy who had treated Pavarotti.
- 21:11He had invented procedures. You know, he was legendary, but
- 21:14he was a he was a character. So anyhow, we go to trial, we
- 21:19get a defense verdict. You know, my goal was to beat
- 21:22the 998 and, and which was substantial, and we get a
- 21:28defense verdict. The jury just loved us.
- 21:33And among the things they feedback they gave us is like a
- 21:39group of them stayed for well over an hour to talk.
- 21:41You know, nowadays, I don't know what your experience is.
- 21:44A lot of times jurors just don't want to talk, you know?
- 21:46They do seem to drift off. Yeah, and judges tell them you
- 21:49don't have to talk to the lawyers, but if you want to, you
- 21:51can. And Muslims have watched them
- 21:54enough. But anyhow, this one juror says,
- 21:58oh, we felt you were the only one in that courtroom who was
- 22:04looking out for her. Interesting.
- 22:07Because in closing argument, I said, you know, she's been
- 22:10through hell and she shouldn't have been because the process
- 22:14has put her through hell and she needs to get this closed.
- 22:18She needs to know she's OK because what she had diagnosed
- 22:23was a somatiform disorder. You're you're saying to a woman,
- 22:27you're crazy. You know, it's a dangerous
- 22:30defense, but medically it was there, you know, you're
- 22:33hysterical and that kind of thing.
- 22:35And that was why the medical records were the way they were.
- 22:38Everything became bigger than it was.
- 22:42And it was tragic. I mean, it was tragic for her.
- 22:46But that again, was a case where I was absolutely genuine in what
- 22:52I was telling the jury. And it really, I was outraged by
- 22:56her lawyer and what the system had done to her because she came
- 23:01out of it way worse than she went in.
- 23:03What you really needed was counseling.
- 23:05You know, somebody can work her through it.
- 23:07And I don't know how I don't know enough about it to know
- 23:09what they do with some metaphor. 1 Funny.
- 23:13I mean, yes, trial. Ours is, you know, when we do
- 23:15mock juries and you see what how the reasoning process of jurors
- 23:19sometimes like, holy crap, that's scary.
- 23:24But we had we had Barbara Zeniga was our judge and in this case
- 23:28and she did the most thorough civil, well, dear, I've ever
- 23:32gone through. We took days to pick a civil
- 23:34jury days. You know, if there was anybody
- 23:37with A cause thing in the chambers, she didn't want to
- 23:40cross contaminate the jury or yeah.
- 23:43So it took a lot of time and nobody ever asked about do you
- 23:49know anybody with a somatiform disorder?
- 23:51I can't remember exactly why. And when I'm talking to the same
- 23:55group of jurors afterwards, one of my biggest fans there, she's
- 24:00this one. You remind me of Tony Larussa.
- 24:02The way he manages the A's, the way you moved in the courtroom.
- 24:06It's like, OK. And so there's two women jurors
- 24:10together and one says, oh, you know, she was like pointing to
- 24:13the other jurors. She was like a, an expert
- 24:15witness for you in the jury room.
- 24:18She has a sister with a somatiform disorder.
- 24:21She was able to tell us all about it.
- 24:23Oh wow. Talk about absolute blind luck.
- 24:26Yeah, what's, what are the odds of that?
- 24:28But it was probably a big part of why we were able to convey
- 24:32that concept because it's, you know, you got somebody in the
- 24:35jury and say, no, this is real. I've lived with it.
- 24:37I got a sister who does it. So.
- 24:40One of the things you mentioned is that most of your clients at
- 24:43this point, with the exception of that one carrier are self
- 24:47insured. How is it different in terms of
- 24:50the reporting, the information, the engagement that you do with
- 24:55that kind of a client? Well, you know, even with the
- 24:59insurance client, I said as a condition of me agreeing to work
- 25:02with them, I will not write those freaking monthly reports.
- 25:07I won't do all of you know, I gave them a list of things I
- 25:10wouldn't do. Plus I told them I wouldn't work
- 25:11for their rates because, you know, in the role I'm in,
- 25:17because a lot of times we, we, we do take over cases, not just
- 25:21because not monitoring, but we were asked come in and take it
- 25:24over the this person is brain dead.
- 25:27And it's really fascinating because in the insurance defense
- 25:29bar, just my anecdotal observation, they range from
- 25:33really good trial lawyers and smart people to are you kidding
- 25:37me? You know, there's a whole
- 25:38segment of are you kidding me? And I, you know, this model that
- 25:42I've seen time and again where some really junior lawyer or
- 25:45lawyers work the case up and then the, the, you know, the
- 25:49trial lawyer comes down from Mount Olympus to try the case.
- 25:52I can't do that. I got to be involved at every
- 25:55level. I want to see the witnesses and
- 25:57all. That I'll push back on that for
- 25:58a second, because if you're taking over a case from somebody
- 26:01where the carrier has lost faith, I mean that's, that's
- 26:05even worse than getting it from a junior association.
- 26:07Yeah, yeah. I don't want to ever be
- 26:09understood, no matter who looks at this as, as saying something
- 26:12that's a general generalization of plot applicable to all the
- 26:17insurance defense lawyers. There's some terrific ones, but
- 26:20too often there's a model where the terrific ones are really not
- 26:24handling the case until the end. And I, I don't like that.
- 26:28So I don't do any of that stuff. But, and I tell them that one of
- 26:32the reasons I won't do it is not because I'm a prima Donna, but
- 26:34we're real time reporters. I've always understood it's not
- 26:38my case. Whoever the client is, it's
- 26:40their case. I'm, I serve at their pleasure.
- 26:43So I like to keep their pleasure high.
- 26:46And so, and I do it. I really just apply the golden
- 26:50rule. If I'm a client, what would I
- 26:52want? And I, I, I'd want no surprises.
- 26:55If you want me to review something, give me some time.
- 26:57Don't tell me it's due tomorrow at 10.
- 27:01Don't make any big decisions or commitments unless I'm in on it.
- 27:05It's my case and so forth. And so I do I just apply that
- 27:10with the client, regardless of whether they're happening in the
- 27:13one instance to be the insurance company or self insurance,
- 27:17they're going to know the case as it's going.
- 27:21And with e-mail, of course, it's, you know, it's simple to
- 27:26do that. You can, you can BC them on a
- 27:29communication of the case, whatever you could, you're,
- 27:31you're able to give them. And nobody's ever pushed back
- 27:34and said too much, You know, don't just call me when there's
- 27:37a decision to be made. People like to know what's going
- 27:40on in their case. Putting it a different way,
- 27:42they're it's astonishing even to this day how many lawyers think
- 27:50I'm in charge, leave me alone. You can't do that.
- 27:54The client is the client is king, queen, emperor, whatever.
- 27:59And let them tell you too much. If they do, then OK, then you
- 28:04modify it. But I just my default position
- 28:06is I want them involved in case make case decisions, etcetera.
- 28:12And you know, it may be that any given client doesn't have the
- 28:16sophistication to make the judgments that you have to make,
- 28:19but you still as a lawyer can explain it and say, you know,
- 28:23this. We could do AB or C here.
- 28:25I recommend C here's why. Are you good with that?
- 28:30That's OK. I think it's the same regardless
- 28:33of whether whether they're a carrier or not.
- 28:35It's just that the carriers themselves are institutionally
- 28:37incapable of agreeing with people like me, except this one
- 28:41carrier has done it. And so I keep working.
- 28:44The other thing is if they keep turning the robot loose on my
- 28:47bills so that they disallow, you know, that kind of crap.
- 28:52And then I have to appeal. And I've never lost a penny
- 28:56because every appeal thing, I go to the lawyer, you know, the,
- 28:58the adjuster and I say, hey, would you just tell them to
- 29:01approve this and they approve it.
- 29:03This is crap. I don't want to spend my days
- 29:05doing that or have my staff do that.
- 29:07It's just so wasteful. Time value money.
- 29:11Thank you for listening and please join us next week as we
- 29:14continue this conversation. Like what you heard?
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- 29:22there, happy hunting.