The Hicks Legal Journal
Insurance Monographs
Bad faith tactics, delay economics, and the real leverage points in catastrophic injury claims.
insurance•Jan 8, 2026
Why "Quick Check" Offers Are a Trap
Adjusters often offer a 'quick check' within days of an accident. Learn why accepting this offer usually means waiving your right to future medical care.
insurance•Oct 25, 2025
The Adjuster's Playbook: "Delay, Deny, Defend"
We obtained a redacted training manual from a major insurer. It explicitly instructs adjusters to 'anchor' negotiations at 30% of case value and use silence as a psychological weapon.