Posts Tagged ‘information’

A Washington DC Personal Injury Action

April 24th, 2010

The very first part of starting down the path of a personal injury claim is deciding which attorney to choose. There are many ways to choose your law firm and finding one that is the best fit for you requires asking the law firm the right questions.

During your initial consultation with your prospective injury attorney, you will be interviewed about the specific circumstances that led to your injury matter. For example, they may request access to medical records which will require you to sign a formal authorization, sometimes referred to as “HIPPA releases”. Your law firm will “work your case” in anticipation of trial. While many cases reach a settlement well before they reach the trial stage, is important that the case is properly prepared for trial in the event that a settlement cannot be reached.

Timing is essential to personal injury legal claims. The time that someone has to legally recover for injuries is not that long. This limitation is usually articulated in your state’s legislative code or statutory law. This time period varies greatly depending on which state’s law applies to your case and the nature of the circumstances giving rise to your case. This issue should be addressed with your personal injury lawyer from the very beginning so you are both on the same page about the critical deadlines surrounding your case.

The first step to actually getting your personal injury lawsuit going, is usually the filing the filing of the complaint. The complaint is the legal document that notifies the court and the other parties that you are claiming damages do to the fault of someone else. Generally, filing of the complaint requires that a fee be paid to the court. The complaint must also be served to the other parties to the case. This means that the other parties must be properly notified that you have filed a lawsuit against them. Proper service is outlined in your court’s local rules and will be handled by your legal professional.

After service has been properly effectuated, the defendants will probably provide some kind of answer. In some jurisdictions, this may either include a formal answer or a motion to dismiss your case. The next step is for the parties to begin the discovery phase. During discovery, requests are made by the parties for documents and information relevant to the issues giving rise to the case. Typically, these requests include a series of questions, requests for documents, and depositions of witnesses. It is not unlikely for this process to take a long time, even months or even years.

During and following discovery, the parties may begin discussing resolving the case through a settlement agreement. A settlement agreement usually involves the defendant paying the plaintiff a certain sum of money in exchange for the plaintiff’s dropping of the lawsuit. Generally, most personal injury cases are resolved through some form of settlement. However, if the parties cannot reach a settlement, the case continues to the trial phase. At trial both parties present their cases and the matter is resolved by a judge or a jury.

If you have been seriously injured by the negligence of health care providers: doctors, nurses, hospitals, clinics, nursing homes, pharmacists or others in Washington DC you need to talk to an experienced DC injury attorney today. A DC injury attorney who handles serious injury cases can tell you your options.

Parts of Making An Insurance Claim For A Car Accident

March 9th, 2010

A car crash insurance claim always begins with a collision. If you are involved in a car crash, there are some very essential things you should do at the crash location to the extent you can. At the first opportunity, you should report the collision with your insurance representative and begin the process of filing a claim. After you have submitted your claim, an adjuster will either call, write or email you regarding your claim. She will then look at your agreement to determine the types of provisions you have, deductibles, and any coverage limits that may affect your claim.

If your claim is uncomplicated, the adjuster may have you get a quote for repairs and then send you a check. You will have to fill out some documents, but you may not have to see the representative in person. If your claim is more difficult, then the negotiation process will take more time.

In relatively irregular injury incident claims, representatives typically must do some research in order to appropriately establish the insurance company’s liability. The agent will comb through your agreement and possibly contact witnesses to the collision, the other party to the crash, look at the accident report if there is one, take images of the damages and scene of the accident and generally research your medical bills by sending out requests to your medical institutions for information regarding your treatment. If you are seeking to have medical bills compensated, the agent will send you a medical authorization form for the release of your medical information.

Once the insurance agent has inquired into your claim and looked at your agreement, he or she will usually send you a settlement offer. The settlement offer will tell you what the insurance company is willing to pay on your claim. This opening offer is usually on the low side. After all, the adjuster’s intention is to save his or her employer money. But the insurance agent also wants to close a incident and thus is usually allowed a settlement range that offers room for discussion.

If you are sure about how much you think your claim is worth, you can preempt the adjuster’s settlement offer with your own settlement demand. Your proposal would set forth fault, damages and ask for a certain amount to settle your claim.

If you’ve already got an initial offer from the agency, keep in mind that starting offers for settlement are almost always on the low side. Then, unless you’re willing to accept that starting offer without an argument, you will ultimately need to negotiate with the adjuster for a higher figure.

If your insurance claim is turned down in whole or in part, there could be many appropriate and reasonable reasons. Most have to do with limits in your policy. You can check the denial letter against your coverage to see if the denial seems fair or not. If you still think your claim was unfairly rejected, don’t wait too long to take action. If you sit on your claim for too long, you may lose the right to sue in court to get your recovery. Discuss your situation with an auto accident lawyer who will be able to help you.

If you’ve been the victim of a serious car accident in Baltimore, you need the advice of an experienced Baltimore personal injury lawyer. Talk to a local Baltimore personal injury lawyer about your options.