Reply-To: FShbtski@aol.com

In a message dated 96-05-06 18:45:02 EDT, you write:

>the adjuster said that there is problems in dealing with chiropractic care
>for children (to justify his low counter offer I suppose), rather than "real
>doctors(medical)".

Some time ago, we had an MVA patient in our office (California) and her
adjuster (CSAA) made a similar comment to her.  He said "your chiropractor is
no more a doctor than I am"  The patient and the doctor made several phone
calls to several layers of supervisors.  These conversations contained
certain keywords like practicing medicine without a license, slander,
insurance commissioner and, my personal fav, Bad Faith.  Not only was that
claim paid in full, subsequent claims were never questioned, the adjuster who
started this is no longer employed with this company and I have never had any
problems with any claim filed with CSAA since.   

Tanya
CA in CA