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  • Zurich denied a claim on 3 points (found one year later to be erroneous.) But I couldn't retain WC atty for a severe spinal injury occurring just two weeks after denial, with no option than a QME. The QME (private practice ortho, who still works for insurers as an "expert medical witness") fully misdiagnosed my spinal injury. Four months after my pro per WC loss, I received an emergency multi-spinal fusion for my 1.5 year collapsing legs. My life destroyed, but why no conflict of interest regs?

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