$60 M



You see them everywhere!  Billboards, TV commercials, sides of buses blaring at you:


Ask most experienced personal injury lawyers who have practiced for a long time. “What do you think of the so-called attorney “settlement mills”, and you will get a very negative answer.  They are not well thought of. Not at all.

Lawyers who actually take cases to trial and who spend time with clients look down upon the mass-advertising personal injury firms that settle cases for less than full value, never go to court, are not respected by insurance companies and spend almost no time with their clients, all the while charging a typical one-third attorney fee (or more).  But… According to two very prestigious law journals, some consumers would actually benefit from using a “settlement mill” for their personal injury claim.

Which type of firm should you choose to handle your car wreck or personal injury claim?

First a definition: according to the author, Professor Nora Engstrom, a settlement mill is a personal injury law firm that typically:

  • Advertises a lot (nearly constantly, on TV and billboards)
  • Often deliberately uses advertising to attract poor people*
  • Settles low stakes personal injury claims in high volume using mass-production methods
  • Does not engage in rigorous case screening before accepting the case and accept almost all cases their advertising attracts
  • Invests little time or money investigating the facts of the case before beginning settlement negotiations
  • Delegates important tasks such as case screening and settlement negotiations to non-lawyers
  • Charges fees that equal or exceed those of trial lawyer firms
  • Increases the fee charged to the client at the time a lawsuit is drafted and filed, even if no additional work is done in the case before it settles
  • Does not provide detailed recommendations and projected settlement ranges to clients before beginning settlement negotiations with the insurance company
  • Does not pay traditional attorney salaries but compensate their attorney employees based entirely on the amount of revenue generated by settlements. This means if you hire a “settlement mill” lawyer, your lawyer has an incentive to pressure you into taking a “low-ball” settlement.
  • Provides incentives to their lawyer and non-lawyer employees based on settlement volume per month
  • Arrives at settlement amounts calculated not based on the individual case, but on “formulas” such as 1.5 times the medical bills plus the lost wages.
  • Has hundreds [200-300] of cases per lawyer
  • Is not respected by insurance companies because the companies know the firm will not take the case to trial
  • Is nevertheless liked by insurance companies because the companies know that they will not have to pay full value for serious injury cases
  • Does not file cases in court
  • Does not take cases to trial yet also rarely refer out cases to other more experienced trial lawyers

American Bar Association, involved review a lot of evidence, including disciplinary and malpractice proceedings and interviews with many former attorneys and non-attorney employees of firms that met the profile of a settlement mill.

Here are quotes from interviews she did of current and former employees of settlement mills:

  • “I might as well have been working on an assembly line.”
  • “The whole system is setup to do as little work as possible.”
  • “I felt like a claims adjuster with a law license.”
  • “It’s barely the practice of law . . . . You are a glorified adjuster until you file suit, and when you file suit, minimal work gets done.”
  • “Lawyers over there on the pre-litigation side are just brokers, that’s all you are. A good monkey could do the work.”

Here are the professor’s conclusions about settlement mills:

  • There are many kinds of personal injury lawyers. Clients must choose among them the type of representation a client will receive
  • And even the size of the recovery the client will receive hangs in the balance
  • Choosing a lawyer wisely is important but difficult.
  • Settlement mills have their place they can deliver compensation in cases where the injuries are very mild or non-existent.
  • Settlement mills can help provide attorneys for those with non-serious injuries that the real trial lawyer firms reject.
  • Through their advertising, settlement mills alert all consumers to the fact that an attorney may be useful in obtaining compensation in their personal injury case.

Be Careful of Attorney Referrals to Doctors and Therapists and Chiropractors

The professor also noted that besides the fact that seriously injured client is likely to be under-compensated when represented by a settlement mill, another downside of settlement mills is that they tend to refer clients to doctors, chiropractors, and physical therapists who will “run up the bill” in order to increase the value of the claim.

According to one study, in some cases claimants with very small injuries will incur three times as many medical expenses as claimants who are not represented.*  Thus, the lawyer and the medical team benefit but it is unlikely that at the end of the day the claimant ends up with more money in his pocket.

The Bottom Line

If your injuries are mild, or if you need really quick cash, we recommend settling your case yourself and using our guide, Get It Settled, or calling one of those settlement mills you see on TV.

If your injuries are really painful and serious to you, choose, wisely.  We recommend these resources:

  • Our guide, The Truth About Lawyer Advertising, available right here on our website.
  • Google reviews typically found by searching for “[the name of lawyer] reviews” [Google reviews are typically consumer-only reviews]

Good Luck.  And remember — Dennis and King are always here to answer your questions.

Note: We based this report on two articles written by Nora Freeman Engstrom:  Run of the Mill Justice, published by the Georgetown Journal of Legal Ethics and Sunlight and Settlement Mills, published by the New York University Law Review.

Both articles discuss Professor Engstrom’s detailed research and investigation into the world of mass advertising settlement mills.

* The professor noted that poor people are far more likely to choose a lawyer based purely on advertising because:

  1. They are less likely to have social and family ties with lawyers
  2. Are less likely to know more personal ways to find lawyers and,
  3. Are less likely to know (or be able to figure out) the reputation of different lawyers.

She notes that some law firm advertisers design their ads to appeal to low-income or historically disadvantaged groups because poor people are far more likely to believe that those lawyers who advertise are more skillful, of better quality and tend to give a better deal than lawyers who don’t spend all day on TV shilling for business.

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In almost all personal injury claims, insurance companies will offer you significantly less than what you deserve. It’s tempting to accept the first offer, especially if you are in a great deal of pain and unable to return to work. But if you’ve already taken a devalued settlement from the insurance company and your medical bills start to pile up, there’s little legal recourse to ask for more. That’s why it’s crucial to involve a Chattanooga personal injury lawyer before you even file a claim.

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Chattanooga car accident lawyers Tricia Dennis and Russell King have recovered millions of dollars in Georgia and Tennessee for car and motor vehicle accident victims like you.  If you or a loved one has been injured and need help with your medical bills, then you have come to the right place.   Auto accident victims and their family members in East Tennessee and North Georgia can confidently rely on the experienced auto accident attorneys at Dennis and King. We are the law firm that has compassionately, yet effectively, helped victims and their loved ones navigate the aftermath of difficult situations.

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Truck accidents in the United States are on the rise. Recent statistics show that almost 150,000 people are injured in truck accidents each year, and 6,000 people are killed. The regional area of Georgia and Tennessee is a crossroads and a center for car manufacturing, river traffic, and other industries. Large trucks, semi-trucks, 18-wheelers, and other commercial vehicles are constantly on the road. This has a downside as frequent truck accidents occur on I-75, I-24, I-59, Highway 153, U.S. 27, Amnicola Highway, Corridor J, and other roadways. If you or a loved one has been injured in a Georgia or Tennessee truck accident, you may be eligible for substantial compensation.

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Experienced Chattanooga motorcycle accident lawyers Tricia Dennis and Russell King are avid fans of motorcycles, but they also realize how serious motorcycle accidents can be. With over 75 years of combined experience, Dennis and King Injury Law knows the legal process to achieve fair compensation for motorcycle crash victims. Contact one of our lawyers today to learn more about how to start your motorcycle accident claim.

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Under both Tennessee and Georgia law, ATVs are not authorized for use on paved road, but children continue to bring ATVs on to our roads and highways. Georgia and Tennessee laws also prohibit the carrying of passengers on most ATVs, require children below the age of 16 to take approved ATV training courses, and require kids younger than 16 to wear helmets, eye protection, and over-the-ankle boots when operating ATVs. However, these requirements apply only when ATVs are operated on public lands, leaving kids essentially without protection when riding ATVs on private property.

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One of three factors usually cause boat accidents: an inexperienced boater, an intoxicated operator, or a boat malfunction. More than a third of both fatal and non-fatal boat accidents are alcohol-related. It is estimated that boat operators with a blood alcohol content of .10 or higher are 10 times more likely to be injured or killed in a boat accident than sober operators.

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Premises liability is a vital facet of personal injury law, placing responsibility on property owners for maintaining a safe environment. When accidents occur due to negligence or hazardous conditions on someone’s property, victims have the right to seek compensation. This encompasses incidents like slip and falls or inadequate security leading to assaults. Dennis and King excel in handling these complex cases, tirelessly pursuing justice for our clients.

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During your initial strategy session, we will assist you in creating a strategy in how to best pursue your claim, whether it be the result of a car accident claim, 18 wheeler injury, or, other kind of personal injury claim.

There are 5 points to your free claim strategy session:

  • First, we will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information you provide, we will give you our best advice on both what claims you have and the next steps you should consider to go forward with your claim.
  • If you claim is something that we think we can help you with, we will explain the services that we can provide for you, and what the next steps are that we should take. We will start working immediately.
  • If your matter is something that we do not think we can help you with, then we will attempt to put you in contact with another lawyer that might be able to help you.
  • Either way, what should happen is we will put to rest some of the unknowns that you may be experiencing. We will start to shed light on what you can expect and how to best pursue the benefits you deserve.