If you were involved in a car accident and suffered injuries, but significant damage to your vehicle is not easily apparent, the insurance adjusters may classify your claim as a MIST claim – Minor Impact Soft Tissue.
Insurance companies actively employ a strategy designed to encourage you to handle your claim by yourself, discourage you from exercising your right to an attorney, force a quick settlement and threaten prolonged litigation if you should challenge them on any of those points. This program was all designed to do one thing … save them money. Indeed, Allstate developed a training manual that obscenely claims its strategy
forces the claimant and attorney to think about the obstacles they must overcome …
And this attitude was not limited to claimaints from other insurance companies. No, this strategy was specifically designed to be employed against its own policyholders as well. Their consultants speak of Allstate’s policy holders with terms normally reserved for our most hated enemies
In PowerPoint presentations and discussion papers drawn up for Allstate executives, McKinsey used “boxing gloves” to characterize how Allstate should treat policyholders who balk at settlements. For customers who hired lawyers, McKinsey urged, “align alligators,” adding these instructions: “sit and wait.”
Indeed scholars who studied the issue consider MIST to be an insurance industry concept designed to categorize whiplash as a psychological issue instead of a physical one. They are attempting to analyze your injuries based on an inspection of the car. The concept is quite absurd when it is framed in that manner.
Contact Joseph privately to schedule a free consultation to discuss your legal options if you’ve been involved in a minor car accident and the adjuster is pressuring you to settle quickly. You are under no obligation to hire an attorney.