On the Field


Truck Adjusting in Southern CA

I am an after-hours truck adjuster for David Morse & Associates (DMA). A successful truck adjuster makes life easier for the examiner and company assigning – and that means making settlement possible at the earliest possible juncture. If he or she can do that, there will be plenty of work assigned.

This is the story of a routine assignment that came in very early on a Tuesday morning – nothing spectacular, but a demonstration of effective adjusting that supports rapid file closure. We got to the scene (not always easy in Southern California on a weekday morning). Our driver and his damaged rig were on the shoulder, having rear-ended another big rig when traffic stopped suddenly. We waited for a wrecker to arrive and tow the equipment away. I then gave the driver a ride to his company’s yard.


Tee It Up

In handling Disability investigations it pays to have a working knowledge of the game of golf. It is remarkable how often one ends up near and some-times on a golf course in pursuit of documentation in the matter of questionable claims.

Sometimes one can prepare and sometimes not. In the case at hand two of us had flown into the subject’s city on short notice.We had picked up the subject exiting his garage and followed, arriving shortly thereafter at an upscale public golf course. Time to think fast.


Sometimes You Need an Investigator Who Can Think Inside The Box

There are certain cases where “normal procedure” will produce no usable product while subjecting the investigator to potential difficulties. Subjects that live in very bad neighborhoods and drive as if auditioning for the demolition derby fall into this category.

This was a claim of bilateral carpal tunnel on its way to a finding of total disability. The first pass through the neighborhood in which our subject lived was not encouraging – very minimal parking in an area manned by drug dealers and their runners virtually 24 hours a day. The crack cocaine industry does not tolerate surveillance cameras or non-customers hanging around.


What Did You Say About My Overhead Projector?

There was a male claimant who worked in the audio/visual department of a large teaching hospital. For a year this man kept a secret diary of any and all negative comments made by his coworkers regarding the audio/visual equipment used at the hospital.

After a year of keeping his secret diary of these negative comments, the man filed a “stress” claim due to the nature of the comments made by his co-workers. He claimed that these negative comments had caused irreparable harm to his psyche, and that as a result he had suffered an inability to work or function in any workplace or common social situation.



Our subject had been collecting benefits for some time based on his assertion of total disability. I started in Denver at the subject’s address. Turned out his wife was there, but the male individual with her was not the subject. Too bad we weren’t doing divorce work — I could have closed the file.

A canvass of the neighborhood turned up the fact the subject was living in the mountains five hours west of Denver. We arrived late that afternoon and immediately obtained film of the subject working under an old car, crouching, crawling, bending and lifting objects of varying weight and size. Our subject was looking pretty spry.

We quit at dusk and returned the next morning. Our subject and friends departed in a jeep and headed out of town. And then uphill, a very steep hill on a very old and tattered dirt road. Fortunately the subject and myself were not the only ones putting our vehicles through their paces on this mountain trail, and I could follow without appearing out of place.

I had rented a jeep for this assignment and I was thinking that was a particularly brilliant move on my part. I found out later that standard issue jeeps and other 4-wheel drive models are not recommended for this trail, only vehicles fitted with special protective plates underneath and special low gearing in order to ease wear and tear on the brakes coming down. But as we started up I was oblivious to my under-equipped condition.

As we proceeded the road was getting worse but I was getting great film of the subject’s vehicle performing superbly in difficult conditions and rattling its contents (including the subject) severely. I got film of stops at lookouts and our subject’s confident maneuvers on foot over, around and on large rocks.

The road was now a mule trail with a sheer dropoff on one side, cliffs on the other. It was getting very cold and I was having trouble with the thin air. Turning the wheel felt like hauling a hundred pound sack from side to side.

Just when I thought conditions could not get worse, they did. We started downhill. It turned out that going up was a walk in the park compared to going down. And this was why they provide extra low gearing on the vehicles recommended for this road. Thank goodness I had all the film I needed, because it was now necessary, actually vital, that I concentrate on bringing my rental vehicle back instead of leaving it several thousand feet down the vertical cliff on the right. After a few miles, I was thinking that I was getting the hang of this and would live until tomorrow. Then, while negotiating a small stream that crossed the mule trail and dropped off the edge into oblivion, I got a flat tire. As I got out of the vehicle and stepped into six inches of freezing cold water, I realized that I was still suffering from oxygen deprivation. I quickly found a place to sit down as far from the edge as possible and put my head between my knees.

For those of you who have not experienced the attempt to breathe at 12,000 feet above sea level, let me give you a brief description. The body feels very heavy, there are pains everywhere, particularly the head and heart, and one wonders how a function like breathing that one took for granted suddenly became an Olympic competition.

After some minutes of sitting there it came to me that I had to change the tire. But I was too exhausted to even look for the jack, let alone get it out of the car. Slowly it dawned on me that I was in trouble and that toward the end of afternoon it was going to get really, really cold. Just then another offroad vehicle came down the hill and stopped. The driver and passengers offered to help which I thankfully accepted. They changed my tire and cheerfully sent me on my way down in front of them.

It seemed like the worst must have been over. But then I hit the switchbacks, hairpin turns in the road as it snaked down a place where no road should ever go. I made the first, but on the second I went into it just a hair too fast and the back end of the jeep got loose, finding gravel over near the edge. The hair on my arms was standing straight up as I planned a leap from the jeep – and then it stopped. Even after catching my breath, no easy task at this altitude, I could not bring myself to start back down.

My benefactors from the tire changing in the stream showed up moments later. From the position of the jeep and my very pale complexion, they knew exactly what had happened. An older gentleman from the party took control, offered to drive me down the hill, and I was saved. It was during this part of the trip that I learned we had just crossed Black Bear Pass, one of the more difficult off-road adventures available in the United States, and one which kills four or five people every year. I learned about the modifications made to vehicles to be used in such adventures. And of course I learned a lot about my benefactors, a family that makes the trek twice a year and has been doing so for 15 or 20 years.

Someone put the oxygen back into the air and I found my disposition remarkably improved. I was alive and without broken bones, and the pains in the head and muscles were distant memories. The car rental company did not notice the permanent indentations my fingers left in the steering wheel. Life is good. Best of all, I had film and the subject was well and truly busted.