Most of the anxiety in this process comes from not knowing what happens next or what any of it costs. Two of the answers below are answers that refuse to give a number, and those are the honest ones: anybody who quotes you a case value or a deadline before knowing your facts is selling something.
01
Since I was injured through no fault of my own, can I file a claim?
When you are injured by another's negligence, carelessness or wrongful conduct, you can often seek compensation from the negligent parties and their insurers. Whether that is worth doing in your case is a different question, and it is the one the first call is for.
02
Do I need an attorney at all?
Often it is in your interests to consult one, particularly where injuries are serious - but not always. The firm's own published position is blunt about it: you should only hire it if it can put you in a better position than you would be in on your own. It tells you what it can and cannot do, and it only takes the case if it believes it can help.
03
Will I have to go to trial?
Probably not. About 95% of filed personal injury cases settle before trial. Preparing properly for one is also what makes a decent settlement possible, so the two are not opposites.
04
What determines the amount I might recover?
Every case turns on three things. Liability - establishing somebody's negligence. Damages - the amount that fairly and adequately compensates you. And source of collection - the insurance or other assets the damages can actually be recovered from. A strong case with nothing behind it to collect from is a real and disappointing situation.
05
What is a typical settlement amount?
There is no typical amount, and there is no minimum or maximum. An experienced attorney reads the case and works out what it is worth from the medical bills incurred and still to come, lost income and future earning capacity, your age, permanent limitations, the things you can no longer do, the things you can still do and no longer enjoy, the prognosis, and the strength of lay and expert testimony. The goal is fair and adequate compensation, which means knowing what a reasonable jury would award.
06
What counts as pain and suffering?
Harm caused by the physical injury itself, and the mental anguish caused by the accident and by the prospect of surgery. It is the part of a claim insurers most consistently treat as negotiable decoration.
07
Can the insurer refuse to pay because my car was not damaged?
No. An insurance company may well try to draw a straight line between damage to your car and the severity of your injury, but a body can be hurt in a collision the vehicle shrugs off. The reverse happens too - a badly damaged car and passengers with minor cuts.
08
The insurance company wants me to see their doctor.
The firm prepares clients for those examinations: what to expect, specially prepared material about how insurance company doctor exams work, and what you can do to make sure you get a complete diagnosis while protecting the claim. Do not go into one cold.
09
What if I do not like the settlement offered?
Then it does not settle. Nothing is accepted without your permission, you are told about every offer as it arrives, and each one is discussed with you - specifically whether it is fair and reasonable. That is your decision to make and it stays yours.
10
Can you help with the medical bills in the meantime?
The firm helps clients process health and auto medical-payment benefits at no charge, and negotiates liens with health insurers to reduce the payback to the lien holder, also at no extra charge. Those savings go to the client.
11
If I come in for a free consultation, do I have to hire you?
No. Nobody at this office pressures anyone to retain it, and prospective clients are encouraged to think it over. Information from the office - on the phone, in person, or in the firm's brochure - is free. The firm's stated belief is that you should be able to come in and discuss a case without charge.
12
What actually happens if we do go to court?
You get prepared for it. The firm has presentations to help clients understand what being in front of a jury is like, and material for preparing to give sworn depositions and statements to insurance company attorneys, which only becomes necessary if a lawsuit is filed. Understanding the process is what makes people less frightened of it.