Don't Negotiate with the Insurance Company Hire a lawyer immediately following an injury. When you try to handle your personal injury claim yourself by negotiating with the opposing driver’s insurance company, you are harming your case – no doubt about it. Simply due to lack of legal training and experience you will say things that harm or devalue your case. And what kind of an impression are you making on the adjuster?Whatever it is, your lawyer could make a better one. An experienced lawyer is a polished negotiator and communicator who knows what to say and, more important, how to say it. Having handled hundreds of personal injury cases for more than 25 years, it has become clear that an injured person will almost always end up with less than money than if s/he has hired an attorney and paid attorney fees. How much is your case worth? Don’t know? Are you going to ask the insurance adjuster how much your case is worth?..
All posts by: Mark Rockwell
Medical and Disability Coverages in Your Auto Insurance All insured Kansas registered cars and light trucks have Personal Injury Protection (PIP) coverage which provides 1) payments for accident-related medical treatment, and 2) lost income disability payments. PIP coverage is not optional. If your vehicle is insured, you have PIP coverage. The medical coverage is a minimum of $4,500.00 with no deductibles or co-pays. That means your own insurance pays 100% of your first $4,500.00 in accident-related medical expenses. Moreover, PIP is primary over your regular health insurance or employer-provided health benefits. Thus, your regular health coverage is not obligated to pay for any accident-related medical expenses until your auto insurer has paid out all your PIP medical expense coverage. If your regular health insurance kicks in because your PIP benefits are exhausted, there will be deductibles and co-pays as provided in your..
Where To Get Your Car Repaired After You’re Injured Is Important Where you have your car repaired after you are injured can affect the value of your personal injury case. Surprised? Here’s why. The opposing driver’s insurance company will direct you to a body shop that it has a deal with. That body shop will repair your car minimally and using used and non-original parts. The result? The insurance company, in evaluating your personal injury case, will then contend the wreck was not that serious because the damage to your car only cost so much to repair. You should always insist on taking your car to a body shop of your own selection. Best is to take to the body shop of the dealer of your make car where all the repairs will get done and any replacement parts will be new and..
Always Wait for Law Enforcement Before Leaving An Accident Scene Two of my recent clients were involved in minor accidents – minor as far as damage to the vehicles. They were able to drive their cars from the accident scene. Here’s the problem. After exchanging information with the opposing driver, everyone left the scene before law enforcement arrived. Consequently, no accident report was prepared. How could it be prepared? The vehicles were gone and the drivers, whom the officer would have interviewed, were gone. No information for an accident report. Personal injury attorneys rely extensively on accident reports to establish the fault (liability) of opposing drivers. Often the at-fault driver is issued a ticket. I love it when I look at an accident report and see that a ticket was issued to the opposing driver. If everyone leaves the scene, there is no basis for a ticket either. Always call law..
How an innocent social media post could destroy your personal injury case Insurance companies now do social media investigations on all personal injury claimants – including my clients. If you think you have a personal injury case, post nothing about it on social media. More and more clients are destroying their personal injury cases with social media posts. In car wreck cases in particular, posts by clients that say snarky things about the opposing driver, cracking wise or trying to be humorous, and photos of yourself smiling at the accident scene have all played a role in destroying or reducing the monetary value of personal injury cases. Insurance adjusters, juries, and judges will not award significant, if any, damages for pain and suffering to people who do this. Clients who post photos and comments about the fun they are having at parties, social events, etc., while they are still getting medical treatment or claiming..
What to Do If You’re Injured in a Car Wreck. 9 things you need to do right away A law enforcement officer typically takes photos of the accident scene and damage to the vehicles. If not and you are able, take photos of the accident scent showing in one frame where both vehicles came to rest and the damages to other car as well as your own. Seek medical attention as soon as you can. Do not be afraid of taking an ambulance because of the bill. If your car is insured in Kansas, your policy has a minimum of $4,500.00 in medical expense coverage with no deductible and no co-pay. Use your cell phone to take photos of any visible wounds from your injuries such as bruises, scrapes, cuts, and the like. As soon as the next day your own insurance company and/or the opposing driver’s insurance company will call you and want to take a recorded statement. Just say no and that your lawyer will be in..