During a car collision, people suffer very serious injuries that can result in broken bones or even paralysis. These injuries may keep their victims from returning to their normal lives for months or even years. In these cases, people benefit from the services of an attorney, but some people believe that they can handle the opposing side on their own. This decision may actually be very wrong for many reasons.
When Insurance Companies Act in Bad Faith
Most likely, the at-fault driver has an auto insurance company that is handling your case. This company has attorneys who investigated the cause of the accident and determined how much money your case is worth. It isn’t surprising that the opposing insurance company’s attorneys often decide upon a much lower settlement than you think you deserve.
Insurance companies do not like to pay large settlements. Therefore, they will do everything they can to avoid it. They may deny that their driver is at fault even if there is evidence to the contrary. They may also try to mitigate their driver’s responsibility for the crash by assigning more of the blame to you than you deserve. This gives them an excuse to make a very low offer.
A Strategy for Non-Payment
The fact is that it takes a long time for an insurance company to offer you a settlement because they are stalling. This strategy often works because those who have been injured need money right away to pay their medical bills and other expenses. They may be out of work and willing to end litigation so that they can move on with their lives. The problem is that they will not be able to return to the insurance company at a later date when they need more money.
Why a Los Angeles Car Accident Attorney Is Necessary
If you have been offered a low settlement, it is likely that you would be able to receive much more if you were to allow the case to go to trial. To find out if this is true for you, you will need to speak with an experienced attorney before you agree to accept the insurance company’s settlement.
The Raiser & Kenniff Injury Law Team can help you if you are in the situation described above and are having difficulties dealing with the opposing insurance company. We will determine how much your case is worth so that we can ensure you obtain everything you are entitled to receive.
How We Determine the Monetary Value of Your Case
Our Los Angeles Car Accident lawyers will calculate the amount of money that you have already lost because you have been unable to work. They will also determine how much you may lose in the future. They will add your past medical bills to this sum and estimate how much you can be expected to pay for future medical expenses. Lastly, they will place a monetary value on your pain and suffering. Once this is complete, they will tell you how much money you are likely to receive from the court.
The Information We Will Need
During your free evaluation, we gather a significant amount of information from you about the accident, the consequences of the collision and your history. This information helps us place a monetary value on your lawsuit. For example, we can compare your claim to previously resolved cases in your area so that you will know how much money people have received under similar circumstances in the past. To give you a personalized figure, we will want to know how serious your injuries were and the extent of your property damages. We will review the evidence that was collected from the scene of the accident and determine how much of the blame should go to you.
The At-Fault Driver’s Liability Coverage
Then, we can examine the defendant’s insurance limits. Every insured driver must have liability insurance in the amounts that the state has set. For example, in Arizona, a driver must have at least $15,000 bodily injury liability for one person who is hurt in an accident that he or she caused. In some cases, people purchase more liability coverage. Our attorneys will contact the insurance company to find out exactly how much money you are entitled to receive from the at-fault driver’s bodily injury liability coverage.
Past and Future Expenses
Our Los Angeles Car Accident attorneys also take the type of life you are expected to live into consideration. They are interested in your work history and whether or not you will be able to work in the future. They will consult with medical professionals to find out what type of treatment you are likely to need in the future and the cost of that treatment. Whether or not you needed surgery will be taken into account.
Your Personal History
The defendant’s attorneys are interested in your personal history, so our attorneys will need to learn this information from you as well. They will ask you about the lifestyle you lived before you experienced the collision, and they will determine your life expectancy. They will also inquire about any other lawsuits you may have filed in the past. All of this information will lead them toward the most accurate assessment of your current personal injury case.
You Need Your Own Attorney
Large insurance companies have highly paid attorneys who have their own interests in mind in matters such as these. That’s why you need an attorney who will vigorously fight for you. Right now, you may not see an end to the constant resistance from the defendant’s insurance company, but we will make a difference for you when you hire the Riaser & Kenniff Injury Law Team. We will work to stop the other side from stalling so that you can receive a fair settlement in a reasonable amount of time. If this cannot be done, we will lead your case toward a jury trial so that it can come to its fruition.
If we decide to take your case, you will not receive a bill from us until the case settles or the trial ends. If you do not win your case, we will not charge you for our efforts.
Injuries from a car accident
Car accident injuries can be devastating, depending on the severity and types. That is why there are laws that allow people who are hurt in an accident to file a civil lawsuit claim against drivers who are at fault. There are limits to what a person can claim when they seek compensation for accident injuries, though. For instance, a slight bruise on the arm will not result in an award for a personal injury claim.
Types of Injuries that can result in Court Awarded Compensation
Head/Brain- These types of injuries can result in permanent or temporary brain damage, long-term necessity for medical care and rehabilitation and the inability to permanently or temporarily return to work. Head or brain injuries can have long lasting effects that require round the clock care as well. Mounting medical bills for such injuries can create a great deal of stress on top of trying to get well.
Legs- Temporary or permanent paralysis, appendage removal or broken bones usually result in a loss of wages because the injured person is unable to return to work. It can also lead to extensive and unnecessary medical bills. These injuries are a prime example of injuries that the person involved in a car accident can seek compensation for.
Back- Back injuries are just as severe as the previously mentioned injuries. These wounds often lead to lifelong pain and suffering. A personal injury attorney could help get compensation for pain and suffering as well as medical costs and lost wages that are directly associated with the car accident.
Neck- Neck injuries can take a long time to heal and can cause a great deal of pain. The need to wear a neck brace and the inability to drive while wearing one can lead to bigger problems such as the not being able to return to work for a lengthy period of time.
Other injuries that might deserve compensation via a personal injury lawsuit include anything that is serious enough to cause the loss of work, the temporary or permanent inability to do certain tasks or anything that takes the life of a loved one. A consultation with a personal injury attorney might help put everything into perspective, including how extreme the medical bills can become over time.
Handling a Personal Injury Claim Against an Uninsured Driver
While state law requires people to have a valid liability auto insurance before they legally operate their motor vehicles, thousands of people each year drive without having this basic required insurance. Because of this, when accidents occur and an uninsured driver is found at fault, the victim of the accident is often left wondering what to do. Personal claims may be filed against uninsured drivers if the other party has coverage that protects them against uninsured drivers.
One of the first things you can do if you are the victim of an accident caused by an uninsured driver is to consult your insurance company about the incident. If you had previously purchased a comprehensive auto policy that includes damage coverage from uninsured motorists, you will have a great benefit. Your insurance company will be able to walk you through the steps that will help you to cover many of the costs that result from damage occurring to your vehicle.
If you suffered personal injury during the accident, you still can make a civil suit claim against the uninsured driver. If you do have uninsured motorist coverage on your current auto insurance contract, you can file a claim against your insurance carrier.
This will cover all or a portion of the costs for medical treatment.
Many times, people do not believe it will be necessary to take out the additional auto insurance offerings. These offerings that may be added to a standard insurance contract include uninsured motorist coverage. Because so many motorists on the road are uninsured, it can be highly beneficial in establishing a financial protection plan in case you are in an accident that involves someone who has let their insurance lapse.
A civil suit through a civil court may also be filed. With the help of your insurance company and a personal attorney, a civil suit against an uninsured motorist can potentially help a person to recoup the financial losses that occurred as a result of an accident where an uninsured driver was found at fault. Civil suits are often necessary against uninsured drivers because the financial costs for hospital visits, medication and follow-up treatment can result in extensive and long-term medical costs.