Lafayette motor vehicle accident attorneys

Collisions are the most common reason people call this office, and the ones involving trucks, tractor-trailers or motorcycles are the ones most likely to leave something permanent behind.

The adjuster is friendly. That is the job.

Insurers employ adjusters, investigators and attorneys whose work is to reduce what gets paid to people who did nothing wrong. The delay is a tactic. The early offer is a tactic. So is the sympathetic question about whether you are feeling better yet. None of it requires anybody to be dishonest - it only requires you to be outnumbered, which you are.

What the work actually is

01

What is covered here

Cars, trucks and tractor-trailers, buses, motorcycles, bicycles, pedestrians, railroad crossings and rideshare vehicles. Boat and ATV incidents too. The firm has represented people injured on Indiana's roads and highways since it opened in 1974.

02

When the other driver has nothing

An uninsured driver or a hit-and-run does not automatically end a claim. Recovery is often available through uninsured or underinsured motorist coverage, frequently your own, and finding every policy that could respond is a large part of the early work.

03

Causes that are not the driver

The investigation goes past the obvious. Road design, crosswalk maintenance, sightlines, signal timing, drunk driving patterns at a particular junction, vehicle and component defects, and cargo or maintenance failures on commercial vehicles all turn up as contributing causes - and each one can change who is responsible.

04

Why truck cases are different

A tractor-trailer collision is not a bigger car crash. There are federal rules, driver logs, maintenance records and inspection histories, and there is usually a company with its own investigators moving faster than you are. Evidence in these cases has a habit of not surviving unless somebody asks for it early.

05

What the firm does about it

Negotiating with the insurer and the at-fault driver. Challenging attempts to downplay how severe the injuries are or what caused them. Handling the adjusters and investigators so you are not doing it from a sofa. Keeping the file on schedule. And going to court when the offer will not move. Free consultation on 765-340-2776.

How it runs

The same order every time, because most of the costly mistakes in injury work come from doing step four before step two.

  1. 01

    Tell us what happened

    A phone call, in your own words, in whatever order it comes out. You do not need the police report in front of you and you do not need to have it organised. If the answer is that you probably do not need a lawyer, you get told that on the first call, and it still costs nothing.

  2. 02

    We look before we take it

    The firm's published standard is that you should only hire it if it can put you in a better position than you would be in on your own. That is why the first conversation is a conversation rather than a sales call, and why some of them end with a recommendation to do nothing.

  3. 03

    We do the collecting

    Records, bills, wage information, photographs, witness accounts, and whatever the other side has already put in writing. Meanwhile the firm helps process health and auto medical-payment benefits at no charge, which is usually the part quietly bleeding money while everyone waits.

  4. 04

    We deal with the insurer

    Every offer is passed to you as it arrives, with a straight assessment of whether it is fair and reasonable. Nothing settles without your permission. If the number will not move, the file gets prepared for trial rather than argued about indefinitely.

Motor vehicle accidents, answered plainly

Should I give the other insurer a recorded statement?

Ask a lawyer before you agree to one, and before you agree to a time. That is a general point about how those calls get used, not advice about your situation - which is what the free consultation is for.

My car barely has a scratch. Does that sink my claim?

No, although an insurer may well argue it. Vehicle damage and human injury do not correlate as neatly as the argument implies: a body can be hurt in a crash a car shrugs off, and a badly damaged car can produce nothing worse than bruises.

How long do I have?

Indiana sets limits and they vary with the type of claim and the defendant involved. This page will not print a number, because a wrong number here is worse than none. Ask early.

What if I was not wearing a seatbelt, or a helmet?

It is a fact the other side will raise, not a bar to recovering. How much it actually matters depends on the injuries and the circumstances, and it is routinely overstated in the first phone call from an insurer.

Do I have to go to trial?

Most cases do not. The firm's own published figure is that about 95% of filed personal injury cases settle before trial. Preparing a case properly is also what makes a good settlement possible, which is why the two are not alternatives.

Talk to an attorney about motor vehicle accidents

The first conversation is free and puts you under no obligation. Bring the report, the photographs, the letter from the insurer, or nothing at all.

Contacting Cooke Law Firm or Cooke Law Firm does not create an attorney-client relationship, and nothing on this site is legal advice. Please do not send confidential information until a written engagement is in place. Prior results do not guarantee a similar outcome.