10 Common Personal Injury Legal Questions
1. How much is my case worth?
The value of your case is tied to your injuries and the type of injury you have (strain, sprain, broken bones, surgeries). This is in addition to payment for medical bills, lost wages, and car repairs. In short, the value of your case is tied to the facts of your case and injuries.
2. I have received medical and property damage releases from the insurance company adjuster or other parties. Should I sign them without a lawyer?
No! Releases for medical records or property damage should only be signed under limited circumstances.
3. How do I know if my lawyer is an experienced accident/injury lawyer? Can’t I just hire any lawyer to help me on my accident case?
No, you shouldn’t simply hire “any lawyer” to help you on your accident case. There are lots of lawyers out there who will take your accident/injury case even though they have only handled a small number of injury cases. Remember, you are about to take on a big insurance company, and the handling of your claim will require an experienced attorney. You want an attorney who has handled thousands of cases just like yours.
4. I don’t have health insurance and now the hospital is going to send my bill to collections. Will this ruin my credit?
Yes, your credit could be hurt if this isn’t handled correctly. We will talk to all of the medical providers who have outstanding bills and make sure they know that they will get paid out of your injury case. Knowing this is usually enough to get them to wait for payment, not ruin your credit, and stop the harassing calls.
5. I was in an accident and my friend was at fault. How can I get compensated but not hurt my friend in the process?
If you are in an accident that was caused by a family member or friend, you can still be fully compensated. We will make a claim with their auto insurance. Your friend’s insurance protects him or her from having financial hardship when an accident happens.
6. I was in an accident but the person who caused it doesn’t have car insurance. What do I do?
If your auto insurance policy has uninsured motorists coverage, we will help you make a claim there. Every insurance policy is different, so our attorneys will help you sort this out so that you don’t get victimized a second time.
7. The insurance company is offering to settle my case but I’m not sure if their offer is reasonable. How do I know?
The only way to know what is fair is to have the experience of not only handling thousands of these cases, but also litigating them and seeing what injured victims are awarded in court. Unless you have this experience, you will never really know what the true value of your case is.
8. If I hire an attorney, will my case require a trial?
No. We are able to settle the vast majority of the cases that we work on for the monies our clients deserve without having to go to trial.
9. Can the insurance adjuster limit the medical treatment I receive?
No. You are legally entitled to receive “reasonable” medical care for injuries that were “caused” in your accident. The fight is always over what “reasonable” means and over whether your injures were “caused” by the accident. We will help guide you through your medical treatment so that you are protected from the mistakes that the insurance company hopes you will make.
10. Why does the insurance adjuster say that they can resolve my case without involving an attorney
You can settle a claim without an attorney; in fact, this educational packet has tips on how to do so. However, the goal of the insurance company is to minimize what they pay out. With a personal injury attorney on your side, they know that won’t happen. The Insurance Research Council (IRC), an organization supported by property and casualty insurance companies, performed a study that compared the settlements paid to injured persons who hired lawyers with the settlements received by people who handled cases themselves. The IRC study showed that, on average, people who hired a lawyer received three and a half times more money in settlements than those who didn’t hire a lawyer.
What Service Are You Looking For?
About Zanes Law
Over the years, Zanes Law has represented thousands of injured victims and has recovered over $80,000,000.00 for those friends that we have helped. Through all of this experience, we have seen insurance companies go to great lengths to protect their finances at the expense of our clients. We take great pride knowing that our attorneys and team are the gatekeepers who protect our clients and are the gladiators who take the fight to those who would harm our clients.
What our clients are saying
What’s your Main Concern?
The attorneys at Zanes Law have helped thousands of injured people make smarter, more confident legal decisions so that they are made whole after an accident. Today it’s your turn.
Get this Helpful Award Winning Book Sent to Your Inbox for Free
For more information about personal injury cases, download a free copy of Doug Zanes’ book Winning Your Personal Injury Case: The Ultimate 8 Step Guide To Protect Your Health, Family and Finances. Just fill out your name and email and click on Send Me The Book.
Medical bills caused by an auto accident are a cost that should be covered by your injury settlement. If you have health insurance, you should present your insurance card to all medical providers so they will bill your health insurance. If you do not have health insurance, you will need to find a medical provider that will treat you on a lien. This is something that Zanes Law can help you with.
*Treating on a lien: This means that you will not be charged any up-front costs for treatment and the provider will be compensated upon your settlement. This provider would require payment for their services before you receive your proceeds from the claim.
Property Damage & Insurance
Car rentals: If you have rental car coverage through your insurance carrier, you should request your car rental through them. It’s usually an easy process and your insurance will be reimbursed if liability is accepted by the adverse party. When you do not have rental coverage, you will have to wait until liability is established with the other driver’s insurance.
Property damage: Open a property damage claim with your insurance company (even if the accident is not your fault). If you have collision coverage on your insurance, your insurance company will fix your car and will work with the other car’s insurance to ensure they cover the costs. Please note, you may be required to pay your deductible up-front if liability has not yet been established. Once it is, your insurance company will be able to get your deductible back and reimburse you. Click here for information about property damage after a car accident.
Bodily injury: Injury claims are completely different than property damage claims. If you are injured due to a car accident, we recommend you consult with a personal injury attorney to open your bodily injury claim for you. If you were injured in the accident, you need to seek medical care immediately and you need to speak with a personal injury attorney as soon as possible. If you are injured and choose to speak with the insurance adjuster on your own, you must make it clear to the adjuster that you are in fact injured. However, our advice is that you seek the assistance of a personal injury attorney and that you limit the conversations that you have with the insurance adjuster. Let your personal injury attorney handle all of these conversations on your behalf.
Lost Wages & Compensation
Lost wages: If your accident has caused you to miss time from work, you are entitled to some type of compensation through your injury claim. You should document all time you took off and keep all doctor’s notes that justify your time off.
Pain and Suffering: This is a term used in the legal industry that refers to emotional and physical stress, as well as the actual physical pain, caused by a car accident. Injury victims are entitled to compensation for pain and suffering.
Overall compensation: Settlement amounts are directly correlated to the facts of a particular case. Some factors that determine a settlement amount are: types of injuries sustained, how long the individual sought medical treatment, total amount of medical bills, future medical bills, and many other factors. We recommend that you contact the personal injury attorneys at Zanes Law in order to find out what the actual value of your claim is.
Bills, property damage, medical treatment, insurance, lost wages, and compensation.
If all of the above are concerning you right now, we recommend you speak to a personal injury attorney to answer your specific questions. Yes, a personal injury attorney. Not a general attorney who practices all case types. A personal injury attorney works on these cases all day, everyday and is more experienced when it comes to injury claims.