injury attorney

It Didn't Hurt, But Now It Does: Your Car Accident Injury Recovery Questions Answered

All too often, people are involved in car crashes and don't realize they are injured until several days or even weeks after the crash. The reasons for the delay of symptoms varies from person to person, but there's no doubt that many injuries related to car crashes don't show up until after a delay. Unfortunately, car insurance companies will look at any gaps in treatment as evidence that the claimant was not injured by the subject crash. So what to do if you were hurt in a California car accident, but didn't realize the full extent of your injuries until a few days or weeks after the accident?

Gaps in treatment can end up with the insurance company denying payment of your medical bills. Whenever you're injured due to another's negligence, it is imperative you seek medical treatment immediately.

Gaps in treatment can end up with the insurance company denying payment of your medical bills. Whenever you're injured due to another's negligence, it is imperative you seek medical treatment immediately.

Get Checked By a Doctor

The most important part of recovering from your personal injury is knowing what is hurt and how best to recover from the injury. Although nobody knows your body better than you, a qualified medical doctor can help assess the severity of your injuries and help chart a plan to help you recover. Most general practitioners will be able to discuss what hurts and point you in the right direction, which often includes x-rays and MRIs in order to find out exactly what the extent of your injuries are. The sooner you see a doctor, the better of you will be, both physically and in relation to your claim or lawsuit. Many law firms advise clients to see a doctor no later than within the first week of the car crash, and some injury lawyers refuse to accept clients who have not been to the doctor within a week, so the sooner you go, the better off you'll be.

What If I Don't Have Health Insurance?

Many people delay or forego entirely healthcare after a car crash because they don't have health insurance and they are afraid of the high cost of medical bills. A good law firm that practices personal injury law will be able to point you in the right direction. There are many doctors who will treat you with no payment up front, but will require payment once your injury claim settles. This is called lien-based treatment. In this situation, your attorney, yourself, and the treating medical office, all sign a document that says the doctor will be paid once the injury case settles. Of course, you would need to have an attorney represent you for your car crash for this setup to work for you, but the benefit is you can receive the healthcare you need at no out of pocket costs.

If you don't have health insurance, seeking proper medical treatment can be scary. Talking with a good injury lawyer will set your mind at ease. If you were hurt by someone else's negligence, you have options.

If you don't have health insurance, seeking proper medical treatment can be scary. Talking with a good injury lawyer will set your mind at ease. If you were hurt by someone else's negligence, you have options.

What If I Was Previously Injured?

Sometimes, people who are hurt in car crashes are afraid they won't be able to be reimbursed for their losses because they were previously injured, or they have chronic pain. This is a common situation, and the law provides for a fair outcome. If your previous injury was worsened, or exacerbated, because of the car crash, you are able to recover the money you lost, or owe, due to the accident. That is, if the car crash made it worse, you shouldn't have to pay for the costs of medical care of getting you back to the state of health you were in before the crash. 

Getting back to living life before your car crash isn't easy. Delaying medical treatment often makes the injury worse.

Getting back to living life before your car crash isn't easy. Delaying medical treatment often makes the injury worse.

What If I Have to Travel for Work and Miss Treatment?

Life doesn't just stop just because you were rear ended and hurt. Maybe you have a vacation scheduled, or you travel for work. If you're traveling, you can't be expected to go to your doctors appointments. In this situation, again, you will likely benefit from the counsel and representation of a lawyer who focuses on personal injury cases. A good lawyer will help explain to the other party's attorneys the reason you had to travel, and will likely be able to get you fair compensation for your injury claim. The rule of thumb is you should always seek proper medical treatment for as long as you need, and you should not delay or miss appointments. But if your travel plans require you to be away, a good lawyer can explain this to the insurance company and their lawyers.

Now What?

First things first: get to the doctor! You need to take care of your health following a car crash. If there has been a delay in treatment, you will likely benefit from speaking with a lawyer who has seen cases similar to yours. In most cases, the law firm will review the facts of your case at no cost to you, and most law firms in personal injury work on a contingency fee basis, meaning their fee comes out of the case settlement value. This means you will not have to pay up front, but the fees will be deducted from your settlement. Of course, no good injury law firm would take your case and work for free - if they take your case, they know they can win. In summary, you need to get back to the doctor to treat any injury that was caused by your car accident. Then, you should consult with a lawyer who has seen a situation like yours before. 

 

Injured at the Gym? Who May be Liable, and How to Proceed

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Who is Responsible When You Are Injured at The Gym?

Injuries at your local gym are more common than you may believe. You may have experienced muscle soreness later in the day from a good workout. However, there are instances when someone could have gym equipment breakdown on them, injuring themselves more severely. Nobody goes to the gym with that in the back of their mind, and the last thing most gym attendees want to do is have to call a lawyer or recover from an injury. After all, the gym is a place to release stress and improve your health, not build more stress and injure yourself.

Gyms are typically thought to be a fairly safe place. Gyms are staffed with knowledgeable employees to teach people how to properly operate the equipment available. But what would happen when you do experience an injury at the gym? When an accident occurs, who is responsible? Is it the gym owner? The staff? Victims could be left wondering, here’s what you need to know.

Liability Waivers

When you’re new to a gym, normally you are asked to sign some form of liability waiver. Gym owners attempt to protect themselves from lawsuits filed by people who didn’t use equipment properly or tried to do more than they are physically able to do. Signing a liability waiver doesn’t mean that a gym owner is fully exempt from all lawsuit. Take a look at your copy and see what it includes. Better yet, keep a copy saved on your phone and discuss it with an injury attorney. Even if the waiver appears to cover anything and everything, courts are unlikely to enforce such a contract if the gym or manufacturers of equipment at a gym are found to have acted in a negligent manner. Here are a few clauses and verbiage to keep an eye out for:

1. Total waiver of liability means that the gym is not liable for any injuries within it walls. With that being said, courts may find these waivers to be unenforceable if they are too broad.

2. Waiver for negligence means that you can’t sue the gym if your injury was caused by negligence by the part of the gym owner or an employee.

3. Waiver of liability for intentional acts means that you can’t sue if someone in the gym assaults you in some way, these waivers are typically unenforceable in court.

Knowing what your waiver says is the first step in determining whether or not you have successful case on your hands. For example, If during a workout a machine comes crashing down on you due to poor maintenance or an issue the gym owner was aware of, you could potentially file a lawsuit. Nobody wants to file a lawsuit, but if you or a loved one was injured, chances are your lifestyle and general health have suffered greatly as a result. Many people are scared off by the idea of calling a law firm to ask questions, or they assume (incorrectly) that because they signed a waiver, they are stuck with their injury.

Premises Liability

Like any other business, a gym must be reasonable safe and free of hazards. That means that all the equipment must be inspected regularly, slip and fall hazards must be remedied and potential dangers must be repaired or removed. If any of these things have caused your injury, you may choose to file a lawsuit. Again, discussing the facts specific to your incident will likely prove valuable. If nothing else, after discussing your injury with a lawyer, you'll be in a better position to move forward with making an informed and educated decision.

Does Location Matter?

Many people incorrectly assume that because they were hurt in, for example, San Bernardino, that they must find a lawyer in San Bernardino that can help them. This is not accurate. In fact, any lawyer who is licensed to practice in the State of California can help any individual injured in California, no matter whether they be in San Bernardino or San Diego - or San Francisco! This is not limited to unique injuries, such as those that happen at a gym or an exercise facility. Car accidents, slip and fall, animal (dog) bites - no matter where it happens in California, the most important thing is to consult with an attorney that has experience in that type of case or claim. If the attorney or law firm is licensed in California, they can help you, and with modern technology, this can mean a firm in, for example, Newport Beach, can easily help represent clients throughout the state.

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Who to Call?

Like any injury, one that takes place in a gym is unique, If you have been injured in a gym in California, call The Lions Injury Lawyers. We will talk with you about your injury and circumstances surrounding it and help determine if you have a premises liability or other type of personal injury case. The lawyers at The Lions Injury Lawyers have handled many cases against gyms and exercise facilities, and despite the existence of waivers, have won large settlements on behalf of their clients. There is no obligation to sign up as a client, and there is no fee charged for talking with an attorney about your injury. Call today to discuss what your options may be, and before making any decision about how to go about fixing the damage done, educate yourself by talking with an attorney.

"You Don't Need an Attorney for Your Car Crash Injury Claim"

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For personal injury attorneys in California who practice exclusively injury law, it is only a matter of time before they take a case where the client was told at one point by someone at an insurance company that they didn't need an attorney to help them. The longer injury lawyers practice, the more frequent this story becomes. Clients are told shortly after their car accident by the other driver's insurance company that they "don't need a lawyer for this kind of claim." Because this advice has drastic consequences, a brief look as to why an employee of an insurance company, especially an injury claim adjuster, would say this is worth looking into.

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What Do Insurance Adjusters Do?

Insurance adjusters evaluate claims and, if necessary, offer money to settle the claim. What does "settlement" entail? It basically means that in exchange for money, the claimant will not sue the insurance company's insured in a court of law. This all happens before any lawsuit is filed against the person who caused a crash. Insurance adjusters are therefore middlemen that are supposed to protect the interests of their insured. The more claims an adjuster can settle or close, the better they are at their job in the eyes of their bosses, and they are often compensated accordingly. In short, if an insurance adjuster can get you to settle your claim, they win, and personally it is good for their careers.

What Exactly Does "Evaluate Claims" Mean?

Insurance adjusters evaluate claims. Basically this means they investigate what the claimant is saying in comparison to what their insured says. However, their evaluation is not objective, whereas a jury evaluation of a case is supposed to be objective. If the insurance adjuster's client/insured says they didn't cause the accident, the insurance adjuster will stick by their client, regardless of what the facts say. This means they can deny your claim, even though there's a lot of evidence to show that their guy is at fault. So even though they are tasked with evaluating the claim and trying to get the claimant to go away, their view favors the interests of their company.

Why Don't Adjusters Want Me to Speak With an Attorney?

First, remember that insurance adjusters are expected to move files off their desks. The quicker they can get rid of your file, the sooner they can move on to the next file, and so on. The involvement of an attorney does not necessarily mean your claim will go unsettled longer, but it most certainly means that when your claim settles, it will be for more money. Injury attorneys specialize in getting their clients money, plain and simple. The money comes from the at fault party's insurance company. In short, if an attorney is involved, the insurance company is going to have to pay more money to make the claim go away. This is bad for the individual insurance adjuster's performance metrics.

Insurance adjusters also handle so many car crash cases that they become accustomed to getting their way with plaintiffs who are not represented by an injury lawyer. They get used to having the upper hand in the negotiation, and they are used to getting their way. They also know that the tables turn when an injury law firm is involved, as an experienced injury lawyer will know far more about the law, case results, and how the courts actually work.

The Insurance Company says ________________. Is this true?

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Insurance adjusters are not bad people, but they do have often have a narrow perspective as to how an injury case might play out if an attorney is involved. Again, they settle so many cases for pennies on the dollar that they don't realize a case they settle for $500 may be worth $15,000 or $50,000 if an attorney is involved. They view themselves at injury authorities, even though they are not trained in the law, and don't know what happens to cases that they don't settle that end up in litigation and going to trial. Insurance adjusters therefore often try to coach claimants as to how the process works, even though their approach is heavily favorable to the insurance company's bottom line, and geared towards low settlement.

"My Adjuster is Very Friendly. I Don't Want to Cause Problems for Anyone."

Friendliness is a proven negotiating tactic that is taught to insurance adjusters in most insurance companies. Hint: if you've seen a commercial on television for an insurance company, you can rest assured the adjusters for those companies have all been trained how to present themselves in a friendly manner during negotiations with claimants. Also, remember that none of this is personal. You will never meet the insurance adjuster, and even in the event that your case requires a lawsuit be filed, you will probably never see the individual who injured you again. The insurance policy is there to protect you in the event of injury, and so when you are injured by someone else's careless or reckless driving, the law has provided a way for you to recover, physically and financially. 

If you pursue your claim, it is extremely unlikely that the actual individual who hit you will know or care how much their insurance company settles for. For example, an auto insurance policy for $50,000 covers your injuries up to that amount. Whether you settle for $500 or $50,000, it does not affect the person who injured you personally, as the money comes from the insurance agency. This is why we pay insurance premiums. Every month, every California driver pays money to be insured. In return, if they cause an accident and hurt someone, that money is used to protect the negligent person. Thus, your efforts to get a fair settlement and have your medical bills and pain and suffering paid for have nothing to do with the individual who hit you, but become the responsibility of the insurance company to resolve.

Isn't All This Overly Skeptical of Insurance Companies?

The more injury claims an attorney sees, the more aware he or she is of the many ways in which insurance adjusters are able to convince injured people to do things that will ultimately result in the claimant receiving less money. Insurance companies are insanely profitable, as evidenced by their high profile advertising campaigns, the stadiums their brands are on, and their pervasive presence in advertising culture. Insurance companies spend billions of dollars every year in advertising, and in return, they earn billions of dollars in profits. If you are injured and want to get your medical bills paid for, that is why the insurance policy exists, and why California law requires drivers to have insurance. Insurance companies employ good people, and are not necessarily corrupt, but they do have a bias, and that is to settle all claims for as little money as possible, as this is how they stay profitable.

If You Are Injured

California law provides for full recovery if you were injured, meaning you should be in the same position you were after the car accident or other injury-causing accident as you were before the accident. If your injury is long-lasting, catastrophic, or permanent, this may not be possible. Still, the law makes sure the negligent/at fault person is responsible for making you whole, so if you can't be put back together, you are owed money for pain and suffering. The Lions Injury Lawyers are passionate about getting fair value for injury claims. They fight endlessly to recover as much money as possible for their clients, which will cover all medical expenses and also include money for pain and suffering, lost wages from time off work, and money for other incidental and inconvenient or painful lifestyle changes. The Lions Injury Lawyers spend 100% of their time practicing injury law, and are exclusively dedicated to personal injury clients. Speak with an actual injury attorney today to make sure you're not being taken advantage of as you seek to settle your claim.

Motorcycle Crashes: How to Avoid, What to do After

Motorcycle accidents can leave riders with catastrophic injuries, and as the hobby continues to be popular throughout the United States and especially in California, better education to both riders and car drivers alike can only help to heighten everyone's awareness and hopefully prevent future crashes. After all, there are an estimated 8.6 million motorcycles on the roads, and if you drive a car or truck on California roads, you are guaranteed to be driving alongside motorcyclists eventually. Despite the inherent risk, California is a wonderful place to ride, and the state is home to some of America's most picturesque roads. For both motorcycle riders and car drivers alike, better education can prevent crashes.

California is home to some of the best motorcycle rides in America

California is home to some of the best motorcycle rides in America

Pay Attention at Intersections

Nearly half of all motorcycle-vehicle collisions happen at an intersection. Thus, when approaching an intersection on your motorcycle or in your car, you should be aware and alert that this is where many crashes happen. Vehicles make bad turns - too wide, too soon or out of turn, illegal u-turns, you name it, they happen at intersections. Sometimes the buildings at intersections in commercial areas are distracting, and there can be a lot happening at any given moment, leading to distraction. Every driver passes through intersections regularly, so it's a good habit to develop to pay particular attention to your surroundings at intersections. Remember, even if you're doing everything by the book, that doesn't mean the drivers around you are. For your own protection and safety, paying close attention to traffic in intersections can help you avoid a crash.

Intersections in California can be particularly distracting, as lane-splitting is now legal in the state, meaning when you're stopped, you may have a motorcycle approach you and pass you in-between lanes. Motorists should by now be aware that this technique is legal, but many drivers become frustrated and angry, sometimes creating a dangerous situation for both themselves and the motorcyclist. 

Helmets Save Lives

California requires motorcyclists to wear helmets, and the requirement saves lives. Based on extensive studies by the National Highway Traffic Safety Administration (NHTSA), helmets are more than 67 percent more effective at preventing brain injuries than those not wearing a helmet, and helmets are approximately 37 percent more effective at preventing death. California has required riders to wear helmets for some time now, and the effect has undoubtedly been many lives saved. Some motorcycle riders from out of state are unfamiliar with the requirement; failure to wear an appropriate helmet can result in a ticket, regardless of whether you were aware of the requirement or not. The State of California has a free motorcycle safety and laws handbook, which is available for download, and is also available at all California DMV locations. The contents of this handbook are valuable for all riders, both those who live in California and those who do not. 

Don't risk the "coolness" factor of riding without a helmet. A helmet can save your life!

Don't risk the "coolness" factor of riding without a helmet. A helmet can save your life!

Motorcycles Are More Dangerous Than Cars

More people die in car accidents every year than in motorcycle accidents, but that's because there are more cares on the road than motorcycles. In fact, motorcycles are an estimated 27 times deadlier than cars in the United States, based on federal government comparisons of death per mil traveled. Part of the reasons for so many deaths related to motorcycle accidents is that motorcycles do not provide protection to the rider, so when there is a collision between a car and a motorcycle, the rider's body takes the impact, whereas a car's doors and frame take the impact in a car accident.

Also, a motorcycle rider can easily fall off his or her bike after impact with another vehicle, so even a seemingly minor collision can put a rider onto the roadway; depending on how fast he or she was moving at the time of collision, a motorcyclist can die as a result of a minor impact, after losing control of the bike and falling into the roadway at a high rate of speed. 

What to Do After a Motorcycle Crash

First, regardless of what happened, who caused the crash, and many other important questions, you must take care of your health. Seek proper medical treatment, even if you're worried about your ability to pay for the resulting medical bills. Many people involved in car crashes decline to go to the hospital or see their doctor based on financial pressure; while understandable, this decision can have devastating consequences in the long run. If you weren't at fault for the crash, a good injury lawyer will likely be able to recover the costs of your medical care, so you won't be stuck with high bills in the end. Reasonable medical attention should be sought when your injuries require an expert's opinion. Sometimes this is obvious, such as with fractures and lacerations. Other times, such as whiplash and neck and back pain, people decide not to go to a doctor, but they may be setting themselves up for many months or even years of pain that could otherwise be treated by a competent doctor.

Document Everything

If you were injured, you will eventually be making a claim to the other party's insurance company. Any money you are paid will likely come from their insurance, but first you will need to prove everything, including that you were actually injured, the cost of your medical treatment, and any other expenses for which you are seeking compensation. Don't expect the insurance company to take your word for it, or to show much sympathy. Their job is to pay as little money as possible to resolve your claim. Expect the insurance adjuster to reduce your medical bills, meaning they will offer to pay a portion of the bill, but not the bill in its entirety. Again, a good injury lawyer will make sure this doesn't happen, but it is to be expected if you try to settle your claim alone. Of course, because motorcycle accidents can result in serious injury, the medical treatment required can sometimes be very expensive. Before undergoing very expensive procedures, you may want to discuss your claim with a personal injury lawyer, as the phone call may give you some insight into how the procedure will affect your case, and whether the bill is likely to be paid by the at-fault driver's insurance company or not.

Consult With a Personal Injury Lawyer

You may decide not to hire a lawyer in the end, but the information you will learn by talking with an injury attorney can be invaluable. The Lions Injury Lawyers, P.C. represent motorcycle riders throughout California for all types of injury claims, including lane-splitting crashes, debris on the roadway crashes, motorcycle versus auto crashes, and most other motorcycle-related claims. At the very least, a telephone call with a knowledgable attorney will give you a better understanding of how your claim will be processed, the timeline of claim processing, and even the approximate value of your case. The Lions Injury Lawyers strive to help their clients return to full health, and return to financial stability. If it wasn't your fault, you should not have to pay for medical bills, and you should be paid for the pain and suffering you've endured. Call the Lions Injury Lawyers today for a free consultation with a personal injury lawyers.

California is home to many motorcycle enthusiasts, and for good reason. California roads can be the perfect terrain to ride your motorcycle.

California is home to many motorcycle enthusiasts, and for good reason. California roads can be the perfect terrain to ride your motorcycle.

Driving on Wet Roads 101

Millions of California commuters woke up to wet roads this morning, and as is the case every time California gets significant rainfall, water on the roadway has undoubtedly attributed to more than a few car accidents already this morning. Because some parts of California, such as Orange County and San Diego County can go many months in between rainfalls, our driving habits become tailored to driving on dry roads. As those who have been involved in a car accident due to wet weather will attest, a vehicle stops and goes differently when there's water on the road, and the difference is significant. Here are a few things to keep in mind that might help you avoid a car accident.

Give Yourself Space

Your car takes longer to stop on a wet road than it does on a dry road. The best thing you can do to avoid causing a rear-end car accident is give yourself space between the front of your car and the back of the nearest car in front of you. Of course you can't control other drivers' actions, but you are the only one who determines your speed. Most car accidents related to water or ice on the roadway are caused by drivers who rear-end the car in front of them because they don't give themselves enough room to stop. Tragically, many of these accidents result in injury to both the driver who causes the accident, and they also often result in injury to the passengers and driver of the car that was rear-ended. The more road you can see in front of you, the more likely you are going to be able to control your vehicle and come to a safe stop.

Pump Your Brakes

What about getting rear-ended? A rear end accident can cause severe injury, and can cause injury even at relatively low speeds. Many California drivers don't think there is anything they can do to avoid being hit from behind, but this is not entirely accurate. Rear-end accidents happen when the driver from behind does not stop in time, and hits the car in front. What many drivers don't consider is that by pumping their brakes, they cause their brake lights to turn on and off, which may alert the driver from behind that they are stopping. The flashing on and off of lights may catch the attention of the driver behind you, giving him or her an added 'heads up,' and possibly resulting in their ability to stop sooner. It isn't your job to teach the driver behind you how to drive, and the tactic is certainly not foolproof, but it is better than getting rear-ended and possibly injured!

Decent Tires Matter

Don't drive on bald tires. The tread of your tires matters, and the lower the tread gets, the less able you will be to stop suddenly on a wet road. Nobody likes replacing their tires, as most people can think of a lot of things they'd rather spend a couple hundred dollars on than tires. However, a car accident can cost you more than a couple hundred dollars, even if you're not at fault. And, if you're in an accident, and you're injured, the cost can easily creep into the thousands or tens of thousands of dollars. By comparison, putting a decent set of tires on your vehicle may not be such a terrible expense after all.

Pay Better Attention

It may be as simple as paying better attention that keeps you out of an accident. Your car won't stop as quickly when the roads are wet, and even if you're aware of this, chances are someone around you is not paying attention. Don't assume that everyone on the roadway is even considering that the driving conditions have changed and that the added precipitation on the road could be dangerous. Watch for vehicles who are driving recklessly and stay out of their way. Keep an eye out for vehicles driving too fast for the conditions. Let them pass, and even move aside if safe in order to let them go by - it is worth it to be behind an aggressive driver, even if you have to change lanes for a second. Also, watch for surges of water on the roadway, such as from drain pipes and from water coming off irrigation ditches and hillsides. 

If Involved in a Car Crash, Take Care of #1 (Yourself)

If you are unfortunate enough to be involved in a car crash during a rainstorm, you may be tempted to just get home as soon as possible, meaning you may not call the police or California Highway Patrol, or seek appropriate medical care. If you're injured, you need to seek medical attention as soon as possible. This means going to the Emergency Room, or Urgent Care, or your primary care physician as soon as you are able. The decision to forego medical treatment can limit your ability to recover financially for your injuries. Don't let the convenience of going directly home keep you from seeking appropriate medical care. In the long run, for both your health and your financial stability, the sooner you seek medical care, the better.

Get Help Dealing With Insurance Adjusters

If you were injured in a car crash, and especially if the crash happened during rainy conditions, don't expect the at-fault driver's insurance company to just pay your medical bills right away. In fact, because weather was a factor, they may seek to diminish the amount of liability they will take responsibility for, or deny liability altogether. Don't get taken advantage of by loopholes you're not aware of. A good injury attorney who represents clients in California car crashes will be able to guide you along the way and make sure you get a fair settlement for your medical bills and pain and suffering. The Lions Injury Lawyers, P.C. represent injured clients throughout California, and have recovered good settlements for their clients in motorcycle, auto, trucking, pedestrian, slip and fall, and dog bite cases. If you were injured and it was not your fault, you owe it to yourself to speak with an experienced attorney who can help you avoid the headache and frustration of trying to negotiate with an insurance adjuster on your own. Putting your case in the hands of an experienced professional can mean the difference of getting good health care, and can result in tens of thousands (or more) dollars added to your settlement. Contact the Lions today, and speak with an actual injury attorney (not a salesman). 

Insurance and Your Injury Claim

Most people injured in a car accident in California are aware that both their insurance and the at fault party's insurance will be involved in handling the injured person's claim, and that it is the insurance company (and not the individual) who pays the medical bills and property damage. Beyond that, many injured people are not quite sure how it all works, which is completely normal considering we only have to file a claim when we're injured by someone else, which hopefully does not happen often. The role both insurance companies play can be confusing, frustrating, and irritating to the injured person. A better understanding of the role insurance companies and their adjusters play can help someone who is injured better navigate their claim.

No, filing a claim against the at-fault party does not put that person's home or assets at risk

Insurance companies provide drivers and homeowners a certain amount of coverage in exchange for your monthly payment of the insurance premium. In California, the minimum amount of liability insurance for drivers is $15,000 per individual and $30,000 per accident. This means that in order to legally operate a vehicle on California roadways, you need to have at least this much coverage. But what does this cover? The "state minimum" amount means that if you injure someone, your insurance company will cover the injured's medical expenses, pain and suffering, and other damages. The at-fault driver's insurance is the first line of defense, so that means the injured plaintiff's attorney will first communicate with this insurance company prior to filing a lawsuit in most cases. It also means that the amount on the insurance policy is the most the insurance company will pay to resolve the matter. If the injured's medical expenses are much more than $15,000 (hospital bills totaling $100,000 and the at fault driver's policy covers only $15,000, the injured person can still only recover $15,000). Only after the at fault driver's policy has been exhausted can the injured person access their UIM (under-insured motorist insurance policy).

Many individuals who are injured in a California car crash don't want to be "mean" and file a claim against the person who hit them. They don't want to file a lawsuit, don't think litigation is "right," and a host of other reasons not to pursue their claim. The biggest misunderstanding is that by filing a claim, somehow the at fault driver's personal life will be greatly affected. In most cases, this is not the case. If the driver caused an injury due to his or her negligence, his insurance premiums may go up, but they won't lose their home or have to sell their assets. 

Insurance adjusters for the at-fault driver need to pay you to go away

Insurance adjusters are there to make this all go away. They will request a recorded statement, your medical bills, access to your medical records going back many years, and many other things in order to evaluate your claim. They're allowed to ask for all of this, but you don't have to give it to them, and giving them everything they want is unlikely to result in a fair settlement for you. Why? The more they ask for, the more they're likely to find excuses to minimize the amount they decide to pay you, if they are willing to pay at all. Their job is simple: close the claim for as little money as possible. Some insurance adjusters are very pleasant to work with, even seeming to become your friend over the process (a tactic that makes you feel guilty for declining their offers), and others can be confrontational, rude, and insensitive. Whoever the insurance adjuster is, and for whichever insurance company, their job is to make you go away. 

No, your insurance premium won't go up if it wasn't your fault

People injured in car crashes immediately worry about their finances. Many people worry that their insurance premiums will rise if they claim an injury. This is not accurate. If it wasn't your fault, it is the other driver's insurance company, not yours, that will be paying the bills. You should get the medical care you need and take care of your health, as the other party's insurance is responsible for reasonable medical costs associated with the injury their insured caused.

Negotiating for more money with an insurance adjuster on your own is generally a bad idea

Insurance adjusters will almost always offer far less than what your injury is worth. They don't generally itemize their offer, so you don't know how much they're paying for your medical bills and how much they're paying you for pain and suffering. Many insurance companies offer $500 to resolve a claim. Experienced injury lawyers regularly see $500 offered for claims that settle for $15,000, and sometimes over $100,000. How can an insurance adjuster offer so little if the claim is worth so much more? The answer is simple: if they offer and the injured person accepts, the claim is closed and the insurance company will not have to pay more money in the future. And, many people surprisingly accept the first or second offer. 

What's a fair settlement for your injury?

If you were injured in a car crash, you're entitled to be compensated for the cost of your medical care and pain and suffering. But what is pain and suffering worth, and how do you calculate it? The answer is that an injury attorney is able to compare your case against other cases in the past and calculate an "industry standard" amount. Without knowing how much other injury claims are settled for, you cannot possible know how much your claim is worth. 

Finding an injury attorney

In order to get your medical bills paid for and be compensated for your losses, you may be well served by hiring an injury attorney. Most California injury law firms do not charge clients up front, meaning they only get paid if they win your case. You're far more likely to get a fair settlement by working with an attorney than going it alone. When looking for a car crash attorney, you should seek a law firm that focuses on injury claims exclusively, not a lawyer who does a little bit of everything. Location is generally not important, as most of the paperwork and negotiations can happen anywhere. The most important thing to look for is, in the opinion of many injury attorneys, a law firm that handles a lot of injury claims and is excited to work on your behalf.

The Lions Injury Lawyers, P.C. practice only injury law, and are ready to discuss your claim and answer any questions you may have. Located in Newport Beach, California, The Lions handle cases for clients in Orange County, San Diego County, and throughout the state of California, from Los Angeles County all the way north to the Bay Area. Contact The Lions Injury Lawyers today for a free case evaluation with an attorney.

Documenting Expenses for your Personal Injury Claim

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Costs add up quickly when you're trying to recover from an injury, from co-payments for doctors visits, to prescriptions and travel to and from medical facilities. If you were injured in an accident and it was not your fault, you are entitled to reimbursement for these expenses. Unfortunately, many claimants do not keep track of their expenses (bills), and so the defense insurance company is not obligated to pay for costs that are not appropriately documented. A few tips on how to organize your car accident injury-related bills may help you recover more money for your injury settlement.

Your Claim Comes Down To Documentation

Your injury attorney will be using your medical records and bills to prove the extent and severity of your injury. Your injury lawyer will also be using any bills you have to prove out of pocket expenses, such as receipts for travel expenses, receipts for prescriptions you fill at a pharmacy, and other expenses. If you missed work, for example, you cannot simply tell the at-fault insurance company you missed work and expect them to compensate you for your lost wages. You must provide proof of all lost income via pay stub or other documentation. This can be agitating and difficult, but the more aware you are of the process at the beginning, the better.

Start a File

Many individuals who are hurt in a California car accident are going through the experience for the first time. Unfamiliar with how insurance adjusters evaluate injury claims, they assume the best. This is not wise. Insurance adjusters are well-trained to minimize the amount they will pay for an injury claim. When possible, they will reduce the amount they will pay as low as they can. In order to prove lost income, or out of pocket expenses, you should start a file where you keep all documentation related to your injury. This includes photographs of the scene of the accident, all correspondence from the other driver, bills, medical records, and anything else your injury law firm might need in order to get you the most money for your injury settlement.

California Injury Claims

If you were injured in California, no matter whether it is in Southern California, the Inland Empire, or up north, the state insurance code provides insurance companies several "loopholes" through which they can deny payment. An experienced injury attorney in California will be well versed in the tactics used by insurance companies, and will be able to guide injured clients through the process. You should provide your attorney with all information related to the claim, but you should not provide the at-fault insurance company this information directly. There are many reasons for this, but the way you provide information to the insurance company can drastically affect the leverage you have to settle for a higher amount. 

How To Proceed With Your Injury Claim

First, you will be well served to consult with an experienced injury attorney or injury law firm. Consider all the things you likely do not know about how injury claims work. Also, remember that all insurance companies are for-profit corporations that make billions of dollars a year - their motivation is not to pay all your bills, it is to create a profitable business. Therefore, expect them to pay as little as possible to you to settle your claim. An attorney will give you the best chance of settling for fair value with the at-fault insurance company. Keep all documents and photographs, and do not simply mail them or email them to the at-fault insurance company. First, you should speak with an attorney and get a free consultation. This could literally save you tens of thousands of dollars, and a good attorney may be able to help you receive the best healthcare available without having to pay out of pocket. 

California Injury Attorneys

The Lions Injury Lawyers represent car crash victims throughout the state of California. We represent plaintiffs from San Diego, to Orange County, from Los Angeles, all the way up to San Francisco and beyond. Our office prides itself on achieving fair and reasonable settlements for our clients. If you're unsure where to go from here, an attorney is waiting to take your call and discuss your claim or case. You will never write us a check or have to pay out of pocket - our injury law firm works on a contingency fee basis, meaning there is no up front cost to you, and we take our fee as a percentage of what we win. If we don't win, we don't take any money or bill you. If you were injured in California and are looking to pay for your medical bills and be paid for your pain and suffering, call The Lions Injury Lawyers today for a free consultation.

Keys to Avoiding Halloween Injuries

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Halloween is a fun day for kids and adults, with many cities hosting festivities for the entire family. But the holiday also has an unfortunate history of tragic accidents and injuries. Over the past several years in Orange County, California, there have been several deaths on the holiday. Due to the large number of injuries that happen on and around Halloween, there are several tips that can help families stay safe and avoid injuries. The CDC has extensive guidelines to help your family enjoy a safe holiday.  In recent years, many schools have been teaching the "Five C's" of Halloween safety. They are: Costume, Children & Trick or Treating, Cars, Candy, and Carving.

Costume Safety

Nylon costumes are popular and inexpensive, but not all the costumes are flame retardant. Every year, children are injured when their costumes light on fire. Be sure your costume, and your child's costume, is made of flame retardant materials.

Masks for children are discouraged, as they can constrict breathing and obstruct the child's vision. This can create especially dangerous conditions where the child is in a busy environment, where other people and drivers are not always paying attention to their surroundings. Some masks are made of latex or plastics that can cause allergic reactions in children and adults. 

Black costumes may be popular, but they have inherent risks due to people not being able to see you after dark. This is even more important if you or your child is trick or treating after dark, or in places that are not well lit. If your child insists upon wearing a dark costume, you can purchase reflective tape to attach to parts of the front and back of the costume. This will make the costume more visible to drivers at night.

Wigs, beards, and other artificial hair can sometimes light on fire and cause serious injury. These wigs are often made of flammable materials, and can also cause allergies. When possible, avoid using wigs and fake hair as part of your costume. Always make sure the hair does not cover your child's eyes and mouth.

Ill-fitting costumes create dangerous conditions that can lead to injuries. For example, children wearing costumes that are too large may trip. Kids like to run between houses, so running around at night, across streets and lawns can often result in children tripping and falling. On this note, wearing proper footwear will also help avoid trip and fall injuries. Children should wear tennis shoes that fit them and allow them to walk comfortably. 

Costumes that include knives, swords, and other metallic or sharp objects can be scary and dangerous. Most props are made of plastic these days, but every year there are a few children who are injured, sometimes seriously and through no fault of their own, by metal swords and props that are dangerous.

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Trick or Treating with Children

No matter how safe your neighborhood, children under the age of 12 should never trick or treat alone. Keep in mind that Halloween tends to attract new people to your neighborhood, so the people your children are trick or treating are not necessarily their neighbors or even members of their community. 

When children go trick or treating on their own, they should go with a group, and have a route they plan to take. Also, if possible, parents should send a cell phone with their child in case of emergency.  Children should be instructed not to enter homes, and they should not attempt to trick or treat at homes that do not have their porch light on. 

Children should carry some form of light with them, whether it be a glow stick or a flashlight, they should have some form of lighting themselves. This also helps parents identify their children (for example, parents can purchase neon green necklaces and bracelets for cheap, and easily identify their children in a crowd).

Your home should clearly indicate whether you are welcoming trick or treaters or not. If you are welcoming trick or treaters, you should put on your porch light. Avoid putting too many decorations in the walkways heading towards your door. Your yard should be well lit and safe for visiting children.

Car Safety

Halloween car accidents are twice as likely to involve auto versus pedestrians than any other day of the year. Tragically, Halloween is the day of the year when children are most likely to be killed or seriously injured by a car.

Many auto versus pedestrian injuries and deaths are the result in children ignoring normal traffic patterns and laws. Children are excited and run between houses, often crossing back and forth across the street. Not all drivers are paying attention, and some drivers are under the influence of alcohol. These abnormal conditions lead to many auto versus pedestrian injuries. Educate your children on the dangers of not paying attention, and instruct them to stay on the same side of the street as much as possible.

Children should be instructed not to approach any vehicles. Every year, there are disturbing incidents of child endangerment due to children approaching vehicles they are not familiar with. 

Candy Safety

Take a look at your child's candy before they eat it. Better yet, make a rule that the kids are not allowed to eat candy until they get home from trick or treating.

Homemade treats are a bad idea, unless of course they come from a family friend or someone you know.

When deciding what to give out as treats to trick or treaters, consider safety first. You may want to give a "healthy" treat, but many children become sick from eating fruit that is contaminated. 

Pumpkin Carving

Every year, children are injured after cutting themselves while carving a pumpkin. Recently, inexpensive carving kits have become popular. The knives and tools included in many of these kits are poor quality and are actually more likely to result in injury than when using a sharp kitchen knife. Children should be supervised when carving pumpkins.

Candles placed inside pumpkins are usually safe, but they can occasionally result in fire dangers. Be sure to monitor lit candles, and don't go to bed for the night without blowing out the candles - every year there are fires that result from pumpkins being left unattended.

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Injured on Halloween? Speak With a California Injury Lawyer

Although most Halloween injuries are avoidable and minor, occasionally serious injuries result from the negligence of someone else. If it was not your fault and you or your child was injured, you owe it to yourself to discuss your case with an injury attorney. The attorneys at The Lions Injury Lawyers are experienced in dealing with all kinds of personal injury cases, including auto versus pedestrian, auto versus auto, and slip and fall cases. The attorneys at The Lions Injury Lawyers represent clients throughout the state of California, from San Diego County, all the way to the Oregon Border and everywhere in-between.

Who Pays Medical Bills After A Crash?

If you were injured in a car crash, you likely have medicals bills. And, given the high cost of healthcare in California, these bills are sometimes very high. For some, the cost of medical expenses can be daunting, and the unknown as to how and when they will be paid can be paralyzing. Understanding who pays and how can be helpful for those trying to figure out how to proceed after an injury accident.

What About Car Insurance?

In an ideal world, the driver who causes an accident has car insurance. If he injures someone, eventually his auto insurance will ideally pay for the medical expenses of the injured person. But what if his insurance only covers him for the California state minimum of $15,000 and the injured person's bills exceed $15,000? In that scenario, the injured person's insurance may come into play, if he or she is insured for more than the state minimum. Additionally, if there are other insurance policies that might cover the at-fault driver, such as a business or umbrella insurance policy, those insurance policies might also pay for the injured person's medical expenses.

And If Car Insurance Won't Pay?

It sounds unfair and unlawful, but car insurance companies are notorious for trying to avoid paying medical bills. For example, they may state that the car accident did not cause the injuries, and so they do not have to pay the bills. There's a sliver of truth to this, but the extent to which insurance agencies use this excuse is often ridiculous. Or, the insurance adjusters may state that the amount billed is too much, and so they will offer you the minimum amount for the medical treatment billed. Or, they may simply decide that some medical treatment is not necessary, was not properly prescribed, or the date of treatment was too far after the car accident and therefore not related. 

How To Get Your Bills Paid For

An experience car accident or injury attorney may be able to help you. The insurance companies are likely to deal more fairly with you if you are represented by an attorney, as politically incorrect as that sounds. An injury attorney knows the rules of the insurance code. Also, a good injury attorney in California will have heard the excuses for not paying before. Therefore, he or she will be in a much better position to fight back on your behalf. Also, consulting an injury attorney shortly after your car accident will likely benefit you by learning more about the claim and litigation process before you finish your medical treatment. You may be able to avoid falling into the traps the insurance companies expect you to fall into.

The Lions Injury Lawyers represent injured persons throughout California, including claimants living in San Bernardino County, Riverside County, San Diego County, Orange County, San Joaquin County, and Los Angeles County. Speak with an attorney, not a salesman.

Why Was My Side Impact Collision Claim Denied?

Insurance companies are notorious for denying liability for side impact, or "t-bone" collisions, even when their insured is at fault. How do they get away with this, and what can you do about it? A basic understanding of how t-bone accidents are evaluated will help you better understand how to proceed with your claim if your were injured in this type of car crash.

How Do Insurance Companies View Side Impact Collisions?

Many people assume that rear-end accidents are easy when it comes to deciding who is at fault. Most of the time, this is true. The driver of the car who rear ends the car in front of him is almost always found to be at fault. The flip side of the coin is that in accidents other than rear-end collisions, insurance companies almost always decide their insured is either not at fault, or is only partially at fault. Because there are so many situations and scenarios that can lead to a t-bone collisions, insurance companies have become comfortable simply denying liability for the accident, forcing claimants to either abandon their claim, or fight back. Most people abandon, unaware that they may likely still have a compelling and winnable claim.

What If There Was No Police Report?

Even if there is a police report, t-bone collisions can be complicated, so the officer who writes the report may not determine who is at fault. And, occasionally, the officer who prepares the report gets it wrong. This does not mean that if you were injured in a t-bone accident that was not your fault that you are without options. An inaccurate police report does not mean you have no claim. An experience injury attorney will carefully review the facts of your case and, when necessary and appropriate, litigate your claim in order to recover money on your behalf. If you weren't at fault, a skilled injury attorney will likely be able to recover money to cover your medical expenses, as well as recover money to compensate you for pain and suffering. 

What Should You Do?

Take photos. A good car accident attorney will be able to connect the dots in your favor to show you were not at fault. Don't just take photos of the cars involved in the crash. If possible, photograph the surroundings as well. If possible, take a photo of what the other driver's perspective was when he or she caused the accident. Also, you should always seek appropriate medical treatment for your injuries. If you were injured but do not receive medical treatment, the at fault party's insurance company will not take your word for it. They will simply deny that you were injured. If you were injured in a California car accident, always seek reasonable medical treatment to help you recover from your injuries.

What Can An Attorney Do?

Auto insurance companies often automatically deny liability for side impact collisions and the resulting property damage and injuries. They push claimants to fight back, or abandon. Most of the time, claimants abandon their claims, unaware that an insurance company's denial is not the final word. A skilled car crash or injury attorney will be able to show that you were not the cause of the accident. If necessary, a good California accident attorney will litigate your claim for you. 

Who Can Help Me?

If you were injured in a t-bone accident that was not your fault, seek medical treatment. Also, document your expenses, change in lifestyle, and everything you can to show the impact the collision has had on your life. Also, speaking with an experienced injury attorney may help. The lawyers at The Lions Injury Lawyers, P.C. have helped many individuals injured in California car accidents recover both physically and financially from side impact, or "t-bone" car crashes. Located in Newport Beach, California, The Lions Injury Lawyers, P.C. represent injured individuals throughout the state of California.