
"Mr. Richardson and Ms. York were always available - and they did a terrific job."
"Chip Permar and his team were outstanding!"
"You showed so much concern for me as a person -- there is such a personal touch to everything you do."
"I don't know what I would have done without you!"
"We were nervous at first, but you put us at ease."
"John and Stephanie were patient with me. Great teamwork!"
"Being injured turned into a life-changing event, but it was comforting to know that you understood me and were only a phone call away."
"You guys are on top of your game."
"I researched law firms on the internet, and I could not have asked for a better attorney."
"Whenever I called I got answers."
The Case: This client, "John," came to us when the insurance company denied his back claim. Late on a Friday afternoon John slipped and fell on a wet part of the cement loading dock where he worked. He injured his back and cracked his elbow pretty good when he landed on it. He got up, brushed himself off and looked around. Although shaken up, he didn't think there was anything seriously wrong.
He stopped by his supervisor's office, but the boss had left early for a holiday weekend. Figuring that he had a three-day weekend, John decided to take it easy, and if he didn't feel well, he'd report the claim on Tuesday. That night, John wasn't feeling great, and by Monday, he was in pain barely able to get out of bed.
First thing Tuesday morning, John was in his supervisor's office. He explained exactly what happened, and his boss wrote it all down. John was told to go to the local walk-in medical clinic to get checked out. To his horror, John received a letter just a couple of days later from the insurance company. They were denying his claim "on credibility grounds" and basically accused him of injuring his back at home on the weekend and trying to pass it off as a workers' compensation injury.
Here's what we did: We explained to John the insurance tactic of "deny and buy." This is when an insurance company deliberately denies a legitimate claim intending to settle the case cheap when the injured worker starts going broke. We confirmed that John had indeed told the doctor at the clinic that he was hurt on the job. We obtained some short statements from friends who saw him over the weekend and to whom John had described an accident. We noted in John's employment file there was no mention of his being anything but a perfect employee.
At the mediation prior to the hearing at the Industrial Commission, John settled for most of what he was owed for the case. The insurance company still saved money by using this unethical tactic; however, we were able to limit that by a great deal. Because he was able to return to work fairly quickly, John wanted to put this behind him rather than waiting the year or more the Industrial Commission would have taken for a decision.

Our book
"10 Ways to Wreck Your
Workers Compensation Claim"
Our controversial report
"10 Things Your Insurance Adjuster Won't Tell You"
"Deny & Buy" - Confessions of Former Insurance Defense Attorneys
"Lightning Strikes Twice" - How to Avoid Becoming a Victim of Personal Injury Insurance Companies
Download a copy of each book in the Library section or click on a title above, and we'll mail it to you.
OTP - Greensboro
1155 Revolution Mill Drive,
Studio 4
Greensboro, NC 27405
Phone: 336-274-4494
Fax: 336-274-4525
Toll Free: 1-866-OTP-Law1
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OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
Fax: 336-631-5225
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OTP - Burlington
409 Alamance Road, Suite C
Burlington, NC 27215
Phone: 336-226-5925
Fax: 336-226-4492
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OTP - Asheboro
854 South Cox Street
Asheboro, NC 27203
Phone: 336-633-4496
Fax: 336-633-4494
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OTP - Raleigh
3700 Glenwood Avenue, Suite 350
Raleigh, NC 27612
Phone: 919-573-5241
Fax: 919-785-2239
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OTP - Fayetteville
4200 Morganton Road, Suite 200-11
Fayetteville, NC 28314
Phone: 910-764-3363
Fax: 910-764-3364
Toll Free: 1-866-OTP-Law1
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OTP - Charlotte
550 S. Caldwell Street, Suite 1800,
Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
Toll Free: 1-866-OTP-Law1
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OTP - Hickory
101 Government Avenue SW
Hickory, NC 28601
Phone: 828-322-1271
Fax: 828-322-1643
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OTP - Wilmington
1213 Culbreth Drive,
Wilmington, NC 28405
Phone: 910-509-7274
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OTP - Greenville, NC
3800 East 10th Street
Suite 101
Greenville, NC 27858
Phone: 252-294-1109
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OTP - Rock Hill, SC
3014 South Cross Boulevard
Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1
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OTP - Greensboro
1155 Revolution Mill Drive,
Studio 4
Greensboro, NC 27405
Phone: 336-274-4494
Fax: 336-274-4525
Toll Free: 1-866-OTP-Law1
OTP - Winston-Salem
110 Oakwood Drive, Suite 420
Winston-Salem, NC 27103
Phone: 336-274-4494
Fax: 336-631-5225
Toll Free: 1-866-OTP-Law1
OTP - Burlington
409 Alamance Road, Suite C
Burlington, NC 27215
Phone: 336-226-5925
Fax: 336-226-4492
Toll Free: 1-866-OTP-Law1
OTP - Asheboro
854 South Cox Street
Asheboro, NC 27203
Phone: 336-633-4496
Fax: 336-633-4494
Toll Free: 1-866-OTP-Law1
OTP - Raleigh
3700 Glenwood Avenue, Suite 350
Raleigh, NC 27612
Phone: 919-573-5241
Fax: 919-785-2239
Toll Free: 1-866-OTP-Law1
OTP - Fayetteville
4200 Morganton Road, Suite 200-11
Fayetteville, NC 28314
Phone: 910-764-3363
Fax: 910-764-3364
Toll Free: 1-866-OTP-Law1
OTP - Charlotte
550 S. Caldwell Street, Suite 1800,
Charlotte, NC 28202
Phone: 704-547-1617
Fax: 704-334-2213
Toll Free: 1-866-OTP-Law1
OTP - Hickory
101 Government Avenue SW
Hickory, NC 28601
Phone: 828-322-1271
Fax: 828-322-1643
Toll Free: 1-866-OTP-Law1
OTP - Wilmington
1213 Culbreth Drive,
Wilmington, NC 28405
Phone: 910-509-7274
Toll Free: 1-866-OTP-Law1
OTP - Greenville, NC
3800 East 10th Street
Suite 101
Greenville, NC 27858
Phone: 252-294-1109
Toll Free: 1-866-OTP- Law1
OTP - Rock Hill, SC
3014 South Cross Boulevard
Rock Hill, South Carolina 29730
Phone: 803-327-0078
Toll Free: 1-866-OTP-LAW1
The accident wasn't my fault so can I sue my employer?
If I can't sue my employer, can I sue someone else?
What is "Maximum Medical Improvement" and what happens at that point?
What Can Go Wrong with a Return to Light Duty Work.
How a Functional Capacities Evaluation Can Wreck a Claim.
An Example of a Workers' Comp Adjuster Manipulating the Recorded Statement.