When an insurance company offers you a settlement, they are essentially acknowledging their client’s fault in the accident. They want you to settle to avoid litigation or going to court. Insurance companies usually do not want to get legal help involved, If you get a call from them before you have contacted your lawyer absolutely tell them you want to consult with an attorney before agreeing to settle a case. If the injuries are sustained in any kind of collision, and whether the injuries appear minor or resulted in a fatality, broken bones, paralysis, or other injuries, you should talk to an attorney before talking to an insurance agent or adjuster about the facts of the case.
The Insurer’s Goal
Insurance companies are not on your side. their goal is to pay an injured person as little as possible. Never allow an adjuster to bully you to try to convince you and make you agree to a damaging statement. The most important rule to follow when notifying your insurance company about a crash is to keep it simple.
You can tell the insurance representative…
There was a crash
Where the crash happened
Whether your car was damaged
Saying much more than the bare minimum can do more harm than good in your situation, although it pays to read the insurance policy to confirm that you are not legally obligated to provide more information. Leave it up to them to dispatch a claims adjuster to examine the scene and conduct an investigation.
The Problem With a Money Offer
Sometimes insurance adjusters offer a sum of money immediately after an accident offering to settle your personal injury case. Usually, it is far less than your case may be worth. The full extent of your personal injuries may not be known until many many months or up to a year after an accident. If you accept a settlement in exchange for waiving your claims, you may give up your right to pursue compensation even where your injuries turn out to be very serious. You may be waiving your right to file a claim under your health insurance policy that you aren’t even aware of.
How a Personal Injury Attorney Can Help
A personal injury lawyer helps individuals who have sustained injuries in accidents to recover financial compensation. These funds are often needed to pay for medical treatment, make up for lost wages, pain, and suffering, and provide compensation for injuries suffered. Personal injury lawyers are expected to follow strict set principles of legal ethics when working with their clients. A personal injury attorney is familiar with many different kinds of injuries and evaluations of what a case is reasonably worth. Most people want to be polite and helpful in interacting with others. However, talking to an insurance adjuster without the participation of an attorney is not advisable. Finally, the simple act of having legal representation can make your insurance company take your claim more seriously. When they learn that you have hired a lawyer, they will know that they cannot roll over your interests and are more likely to make a higher initial offer that is closer to what you really deserve.
Contact us (859-341-2500) for a Free Consultation!
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About Grubbs & Landry
At Grubbs & Landry, PLLC, we are dedicated to personal and friendly service. We manage our practice in an ethical, cost-effective manner to best help our clients resolve their legal issues with the least expense possible. We pride ourselves in advocating for our client in divorce, child custody, and child support matters as well as other family law matters. We are active in prosecuting personal injury cases-recovering for the injuries our clients sustain due to the negligence of others. Additionally, we help our clients prepare for the future through the preparation of Wills, Power of Attorney and Living Will. >> Learn More
If you have been in a car accident recently you are probably in need of car repairs, a rental car, some healthcare if injuries were sustained. If many weeks have expired and you have heard nothing. If your expenses have skyrocketed and grown significantly since your collision. If it looks like the collision has caused some long term injuries. It may be time to think about taking legal action. It may become necessary for you to file a personal injury complaint against the driver whose actions resulted in your injuries and expenses.
Compensation for Medical Expenses in Car Accident Cases
If you are injured in a car accident, quick payment of your medical bills often depends on whether the accident happened in a “no-fault” state. Kentucky is a no-fault state which means that your own automobile insurer will pay some or all of your medical bills if you get into a car accident, (often more promptly than in traditional “fault” states) regardless of who was at fault for the accident, up to the limits of your no-fault coverage. It’s important to note that if your medical bills exceed a certain amount (or your injuries qualify as sufficiently serious) you’ll be able to step outside the no-fault system and file a traditional liability claim against the at-fault driver, but this process will almost certainly take a while to resolve. Depending on the severity of your injuries and the circumstance or the accident you may be able to recover compensation for auto repairs, medical expenses, ambulance cost, liabilities, in-home healthcare services, and related treatments and therapies.
Long Term Cost of Car Accident Injuries
The costs to replace the immediate medical bills may not tell the whole story of the long term medical costs. In fact, too often people agree to a settlement before they understand the long-term repercussions of the accident. There are sometimes medical conditions that do not manifest until months or even years later. An attorney will understand the nuances of your case and will understand the precedent set in similar cases. You should also talk frankly with your physician as to your long-term prognosis, and any complications which may arise. You’ll want to understand how your injury today could affect your health and wellness down the road. Here are a few considerations which you can discuss with your doctor, and share with your attorney in order to prepare for any long term medical costs.
Possible Surgical Costs – Some injuries sustained in a car accident will need more than one surgery to effect a full recovery. You may need subsequent surgeries. Another possibility is plastic surgery. Insurance companies do not always cover what they consider “cosmetic” procedures.
Prescription and Drug Costs – Medications that are prescribed by a physician are often cost-prohibitive, especially for those without adequate insurance coverage. Some injuries necessitate long-term medication usage, especially if the accident victim is left to deal with chronic pain.
Cost of Medical Equipment – Depending on the extent and nature of the car accident, a victim may have to procure medical equipment, such as wheelchairs and in-home respirators. Medical equipment can be exceptionally expensive and can represent a significant budget item for victims as the years go by.
Physical Therapy and Rehabilitation – More severe injuries may result in the need for rehabilitative therapy services. Rehabilitation is often necessary for the victim to resume a normal life, whether that means walking or being able to have a full range of motion. Without access to rehabilitative services, a car accident victim may suffer long-term or permanent wage loss if they cannot return to the same job.
Psychological and Psychiatric Costs – Serious auto accidents are completely unexpected, highly emotional, and potentially traumatic. It is difficult to determine just how a patient will react. This is only applicable for people why are consciously in pain during or after the time of their injury.
Lost Income – If your injuries have kept you out of work you can sue the person responsible for all of the wages you missed out on during your recovery. If this injury has ended your working life you will need to work with your personal injury attorney to calculate how much the injury will cost you in the long run and demand compensation in court.
Loss of Companionship and Intimacy – Deprivation of the benefits of a family relationship (including affection and sexual relations) due to injuries caused by a car accident. The spouse of someone injured or killed in an accident can sue for damages based on loss of consortium. There is legal recourse for people who have been injured in such a way that permanently damages their ability to experience a personal connection with loved ones.
If you’ve been seriously injured in an accident, retaining a personal injury lawyer may help you pursue compensation for any damages incurred as a result. However, it can be incredibly difficult to find a lawyer for your needs, especially if you are recovering from your injuries. With thousands of personal injury lawyers online, how do you find the right one? Make sure that your potential attorney does nothing but personal injury work. This way you know you are getting someone with experience who knows the ins and outs of the applicable law and how to handle a claim from beginning to end. Do not wait until your injuries become so personally and financially costly that it is too great a burden to bear. Get in touch with a compassionate, knowledgeable personal injury attorney right away.
Contact us (859-341-2500) for a Free Consultation!
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About Grubbs & Landry
At Grubbs & Landry, PLLC, we are dedicated to personal and friendly service. We manage our practice in an ethical, cost-effective manner to best help our clients resolve their legal issues with the least expense possible. We pride ourselves in advocating for our client in divorce, child custody, and child support matters as well as other family law matters. We are active in prosecuting personal injury cases-recovering for the injuries our clients sustain due to the negligence of others. Additionally, we help our clients prepare for the future through the preparation of Wills, Power of Attorney and Living Will. >> Learn More
Some people ask themselves if they should really sue because someone injured them even when they know that the insurance company will pay for the losses. Insurance companies do want to pay claims easily but when their customers are liable for your injury and it is proven, they expect to pay losses. In the state of Kentucky, built-in protection against a weak claim is in effect and should alleviate any anxiety you may feel about bringing a lawsuit.
Kentucky is a No-fault Insurance State
Kentucky is a “no-fault” state when it comes to auto insurance. In most auto accidents, Kentucky requires injured people to seek compensation from their own insurance coverage instead of filing a lawsuit in court. In order to file a Kentucky lawsuit, you must have exceeded your personal injury protection (PIP) benefits from your motor vehicle policy which includes coverage to pay the first $10,000 of your medical bills and lost wages in the event you are in a car accident. These benefits are available to you even if an accident is your fault and have suffered a “serious injury.” This means that usually your right to sue someone for causing your injuries is already limited to those threshold instances set by the state. In order to sue in most motor vehicle cases, you must incur at least $1,000 in medical expenses or you must suffer a fractured bone, loss of a bodily function, disfigurement, loss of a body member, a permanent injury, or death.
What is an Insurance Risk Assessment?
Insurance companies use a methodology called risk assessment to calculate premium rates for policyholders. Using software that computes a predetermined algorithm, insurance underwriters gauge the risk that you may file a claim against your policy. The risk analysis is somewhat similar to the analysis undertaken by a bank when it offers a homeowner a mortgage. With auto insurance, an applicant is asked a variety of questions related to his or her vehicle, age, gender, the names of other drivers for the vehicle, and location in order to determine the premium to be charged.
Prior History and Lifestyle
An applicant’s prior history and lifestyle is critical no matter what kind of liability coverage he or she is applying for…
Frequent car accidents
Bad credit score
Drives lots of miles to work
Has had a DUI
Living in a high-crime area
Living in a densely populated city
Driving a high-performance vehicle
A higher premium will be charged for any of these conditions
The decision to sue after a car accident is not an act of hostility or opportunity. It is a legal means of getting compensation for the damage that the other person caused. You should never have to pay the price for someone else’s negligence. When you sue somebody that is insured for personal injuries, the insurance company has accounted for that possibility and charged him or her, as well as all of it other insured consumers, a premium that will allow it to pay for your losses. In order for you to understand your rights and responsibilities after an accident, it is important to consult with an attorney before you talk to the other driver’s insurance company or attorney.
Contact us (859-341-2500) for a Free Consultation!
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About Grubbs & Landry
At Grubbs & Landry, PLLC, we are dedicated to personal and friendly service. We manage our practice in an ethical, cost-effective manner to best help our clients resolve their legal issues with the least expense possible. We pride ourselves in advocating for our client in divorce, child custody, and child support matters as well as other family law matters. We are active in prosecuting personal injury cases-recovering for the injuries our clients sustain due to the negligence of others. Additionally, we help our clients prepare for the future through the preparation of Wills, Power of Attorney and Living Will. >> Learn More
If the accident wasn’t your fault, having an official police report will help you hold the other driver accountable for damages and repair costs. Don’t try to work out reparations with the other driver on your own, even if the other driver doesn’t want to involve the police or insurance companies. When a car accident leads to serious injuries for drivers and passengers, and the damage to the vehicles involved, the memory of that incident can linger for years if not decades. When another party caused the accident you were involved in, there may come a time when you need to focus on proving liability.
Proving Liability After a Car Accident
You may have to be involved in a personal injury lawsuit and prove the following…
The driver had a duty to exercise reasonable caution on the road.
The driver was negligent and did not fulfill that duty to exercise reasonable care when driving.
The driver’s negligence was the cause of the wreck.
Many may think this is a simple concept, but in some cases, the facts may not be as clear as we would like. Those immediate facts gathered after the accident are crucial.
Gathering the Facts
A police officer’s detailed impressions and the information from those involved and by a few witnesses can be one of the most important pieces of information that lead to the car accident. Also if there are any photographs of the accident scene that would be significant. Medical records can also be vastly important. Proving liability in the personal injury lawsuit based on the car accident information is the same as all legal cases… evidence.
What Does No-Fault Mean?
In Kentucky a no-fault state, each driver turns to their auto insurance for coverage for medical expenses no matter who caused the crash The guiding principle of no-fault law is that all drivers are required by law to insure themselves against potential injuries and damages caused by an auto accident. As a result, if you have been injured in an auto accident in a no-fault state, your first and legally preferred source of recovery is your own insurance company.
When Can You File Suit?
Only if certain statutorily specified conditions are met, may you file suit against another party in an attempt to recover damages. No-fault states have instituted an economic threshold for bringing suit. They cap the amount of money your insurance company is obligated to pay, and if your economic damages exceed (or most likely will exceed) the cap, you may file suit to recover from another party. Economic thresholds are far easier to analyze and estimate than physical injury thresholds. While no-fault laws are restrictive, they do serve a purpose. If you sustain minor injuries or simply total your vehicle with no injury at all, you are covered by your own insurance. An insurance claim is usually far less adversarial than a lawsuit. You can only step outside the no-fault system — and file a liability claim or lawsuit against the at-fault driver — if your accident resulted in “serious injuries.”
Contact us (859-341-2500) for a Free Consultation!
—
About Grubbs & Landry
At Grubbs & Landry, PLLC, we are dedicated to personal and friendly service. We manage our practice in an ethical, cost-effective manner to best help our clients resolve their legal issues with the least expense possible. We pride ourselves in advocating for our client in divorce, child custody, and child support matters as well as other family law matters. We are active in prosecuting personal injury cases-recovering for the injuries our clients sustain due to the negligence of others. Additionally, we help our clients prepare for the future through the preparation of Wills, Power of Attorney and Living Will. >> Learn More
