Beginning in the mid-1990’s, a new profit model within the insurance industry, combined with weaker regulations, have hurt consumers.  The change began when McKinsey & Company sold their services to Allstate and other leading insurance companies; providing a new model to boost the bottom line.  Instead of a traditional method of adjusting insurance claims, insurers began to embrace a computer based method of adjusting the produced low offers to claimants.

According to the new method designed by McKinsey, individuals who accepted low-ball offers recieved prompt service, while those who didn’t had their claims delayed and were potentially reduced to filing expensive lawsuits for their beneifts.  As one former All State adjuster told the American Association for Justice, the strategy was to make claims “so expensive and so time-consuming that lawyers would start refusing to help clients.”

The strategy incorporated by Allstate and others has cetainly helped profits.  In 2007, Allstate alone made $4.6 billion in provits, doubling its earnings from the 1990s.  Such a profit increase comes from driving down loss valuse to an average of 30 percent below the actual market cost, according to Russ Roberts, a management consultant.

According to NAIC data, claim delays are the most frequent cause of policyholder complaints.

For more information on claim delays and the profits insurance companies make see this article.

In West Virginia, insurance companies are regulated by the unfair trade practices act and the West Virginia Insurance Commission.  If your insurance claim has been unfairly denied, you may have a cause of action for bad faith practices against your insurance company.  Our attorneys can help you navigate the unfair trade practices act and assist you in resolving your claim.

Attorney Timothy Manchin established the Manchin Injury Law Group in 2011 after his law partner of more than 25 years became a West Virginia circuit court judge. His focus is on helping individual clients and entire families victimized by negligent acts.

  • Taylor Downs was easy to talk to (I do not speak the legal language well!) and was very upfront and honest about the entire process of my case. He kept me updated as the case progressed, and answered my relentless questions. The end result was a favorable settlement that I’m not sure could have been any better with anyone else. In short, go see Taylor if you have a case. Don’t be intimidated to go seek his help, he won’t blow your brains out with “legal speak”.

    - PAUL MOUSER

  • Being referred to Taylor was the best thing I could have asked for. Taylor and staff are very easy to talk to. I would highly recommend them to anyone.

    - DAWN FRISENDA

  • If I ever have to go through it again I would definetly call Taylor right away. The group was so helpful through my situation and handled everything that needed to be done. They made a stressful situation a stress free situation. With Taylor you dont have to worry about one thing. Definietly would recomend to anyone.

    - TAYLOR G.

  • Efficient, knowledgeable, and friendly.

    - NOAH SCHUMAKER

  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.

    - ANONYMOUS

  • Manchin Injury Law Group, Took care of me when I got into a car accident while I was pregnant. Very scary moment for a first time mom but thankfully Manchin Injury Law Group had my back and treated me great. They made me feel as if I was part of their family. My son is now 7 Months Old and very happy and healthy. I’m very thankful for them for helping me through everything and getting me what we deserved. I 100% would recommend them to anyone. If I ever have an accident again they will be my number 1 phone call!

    - SHAWNNA SHAFFER.

  • The support given helped me to feel like I was included in my personal injury case every step of the way. I was informed about the entire process throughout. It was amazing how quick the turn around time was and I would definitely recommend Attorney Timothy J. Manchin to anyone!

    - ANONYMOUS

  • Taylor and Kelly worked hard on my case so I didn’t have to. Thanks guys!

    - TERRI L. ARMENTROUT

  • Excellent experience dealing with Manchin Injury Law. They were very responsive, professional and easy to talk to. I did my homework before I hired a lawyer after my accident and I am so glad I found Manchin Injury Law Group. If you are injured, give them a call!

    - VILLA COVENANTS

  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.

    - CHAD BILOTTA

  • Kelly and Taylor did all the hard work so that I didn’t have to. They both cared about my circumstance and got me a nice settlement. Taylor knows what he is doing and I felt comfortable with my case in his hands.

    - JASON + STACIE MORGAN

  • Great lawyers. They helped me with a West Virginia case.

    - JOSEPH SAUNDERS

  • Such a great experience with Taylor and this firm. Thankful for their diligence and their work on our case. Thank you to all!

    - RENEE FLORENCE WARNER

  • Had a easy and smooth experience with a great attorney so when you go there make sure you ask for Taylor.

    - TIM CROSS

  • My experience at the Manchin Injury Law Group was extremely positive, and I would recommend them to anyone who needs a compassionate and experienced lawyer on their side.

    - TAMMY LACARIA

Contact Us Today

We offer a free initial consultation at our office in the Manchin Professional Building — our home since 1983 — conveniently located in Fairmont.

If you are unable to visit our firm, we can come to your home or hospital room.

Fill out the form below to get in touch!

100% privacy guarantee