no insurance illegal

Neck and Back Pain After a Car Crash: What to Do

A car crash can leave you with nagging injuries that last for years, or even a lifetime. Proper medical treatment is critical.

A car crash can leave you with nagging injuries that last for years, or even a lifetime. Proper medical treatment is critical.

If you were involved in a car crash and are suffering from pain in your neck and/or back, you may be wondering what, if anything, you can do to make the pain go away. For some lucky individuals, taking a few painkiller pills and getting good rest is enough for whiplash symptoms to go away. These are the lucky few. For most people, severe whiplash following a car accident can lead to months and sometimes years of neck and back pain. To add insult to injury, if the car crash wasn’t your fault, you’re now stuck with the headache of getting your car fixed, and face a potentially long road of physical recovery.

See a Doctor

Wherever you are in California, there are doctors who will see you and help you recover from your injury. Sometimes your health insurance doesn’t have appointments in the near future. Speak with a lawyer to find out if there are other medical offices that you can seek treatment at. Lawyers do no prescribe treatment, but they may be aware of offices who will treat you on a lien.

Wherever you are in California, there are doctors who will see you and help you recover from your injury. Sometimes your health insurance doesn’t have appointments in the near future. Speak with a lawyer to find out if there are other medical offices that you can seek treatment at. Lawyers do no prescribe treatment, but they may be aware of offices who will treat you on a lien.

The severity of your back pain may be difficult to diagnose by yourself. For example, strained muscles may very well heal on their own without significant medical treatment. However, if you have suffered damage to the vertebrae in your spine, you may not get better without medical treatment. Only a doctor that can give a qualified examination and order the appropriate diagnostic studies such as x-rays and MRI scans will be able to figure out what is going on in your back and neck. To make matters more difficult, many people suffer acute pain for a variety of injuries to their back, not being able to differentiate between the injuries. Some of the pain may go away, some may get worse.

Many people injured in car accidents are afraid to ask their attorney or their medical doctor for advice regarding treatment because of their insurance situation. Many people have high deductibles, or do not have health insurance. If you were not at fault for the car accident, a good lawyer can make sure you are able to receive the care you need. After all, you wouldn’t require medical attention if not for the negligence of someone else, so many personal injury law firms are able to help point you in the right direction. At the very least, you should go to an urgent care office to get checked out.

Neck and back pain following a car crash might go away in a week or two, or might still be bothering you ten years from now. Don’t risk your health - see a doctor who can run the proper diagnostic studies to evaluate the extent of your injury!

Neck and back pain following a car crash might go away in a week or two, or might still be bothering you ten years from now. Don’t risk your health - see a doctor who can run the proper diagnostic studies to evaluate the extent of your injury!

Attend All Treatment

Most doctors prescribe a regimen of treatment to address your injuries following a car crash. This often includes physical therapy, chiropractic care, massage therapy, possibly acupuncture, and a variety of other treatment options. These options are for what are called “soft tissue injuries,” and many people benefit from this treatment.

One way that insurance companies deny payment for medical treatment is by saying the patient was non-compliant with the treatment the doctor prescribed. If the doctor says attend three chiropractic appointments a week for six weeks, but you only attend three appointments total, you’re unlikely to have future treatment paid for. Do what the doctors tell you to do. Your attorney will make sure the bills are paid for, but can only do this if you attend all your appointments and are in all ways compliant with the doctor’s treatment plan.

You’d rather be anywhere than the doctor if you are like most people. But if you want to get better, you have to go to your appointments. Also, skipped appointments and failure to follow your doctor’s orders will likely result in a reduced personal injury settlement. It can also mean you will be stuck with your bills, as the insurance company will say you were noncompliant with prescribed treatment.

You’d rather be anywhere than the doctor if you are like most people. But if you want to get better, you have to go to your appointments. Also, skipped appointments and failure to follow your doctor’s orders will likely result in a reduced personal injury settlement. It can also mean you will be stuck with your bills, as the insurance company will say you were noncompliant with prescribed treatment.

Keep a Treatment and Pain Journal

Pain affects everyone differently. For some people, a 2-3 mm disc bulge in their spine will be immensely painful; for other people, the same injury will not bother them much. For this reason, insurance adjusters often justify low settlement offers by trying to categorize your injury with the “average” pain and suffering involved in such an injury. There is no “average” injury, of course, when it comes to your health. Your financial recovery should not depend on how much pain other people feel. For this reason, if you keep track of your pain levels in a notebook, you can track the ways in which your injury have affected your life, and later use this to prove to insurance adjusters that you were in fact injured, and that the consequences of their insured’s causing an accident have affected your day to day life.

Call an Injury Attorney

Not many people want to get lawyers involved in their problems. The challenge with injury cases is you usually don’t have experience or an understanding as to how the claims process works. Thus, you don’t know what you don’t know, and are at a severe disadvantage when it comes to knowing whether you’re getting taken advantage of, or whether the insurance company is treating you fairly. Ask a lawyer who practices injury law your questions. You will have a better understanding of how the claims process works. Just because you call a lawyer does not mean you have to sign up with a lawyer and take your case to trial. In fact, the involvement of an injury lawyer in your case may mean you’re less likely to end up in court. Why? Because insurance companies know that if a good lawyer is involved in representing you for your injury, they are often better off playing fair and paying you a fair settlement for your claim than going to court.

Nobody wants to get a lawyer, but the numbers don’t lie: personal injury plaintiffs who have a lawyer are much more likely to get a fair settlement from their injury claim than if they try to settle their case alone. Will a big chunk of the “extra money” you hope to get by going with a lawyer end up going to the lawyer and not you? Great question to ask a lawyer! (Answer: not if you get a good personal injury lawyer).

Nobody wants to get a lawyer, but the numbers don’t lie: personal injury plaintiffs who have a lawyer are much more likely to get a fair settlement from their injury claim than if they try to settle their case alone. Will a big chunk of the “extra money” you hope to get by going with a lawyer end up going to the lawyer and not you? Great question to ask a lawyer! (Answer: not if you get a good personal injury lawyer).

Think Long Term

If you hurt your neck or back following a crash, you may have a day where you feel better, followed by several days of pain. You’re unlikely to feel the same way every day. This means you have to think long-term about the severity of your injury. Will you feel better in a month? Will you feel better in a year, or in ten years. Will you ever feel better? Remember that the person who caused the crash is legally responsible for making you whole again. That means you should be put back in the position you were in before the crash, both financially and physically. The law protects the injured for their long term health, but you have to do your part to think ahead. You can’t simply decide a year after a car accident that you’re still in pain and start going to the doctor and expect the at-fault driver’s insurance company to pay for your medical treatment. You have to think long term from day one, or as close to day one (the date that you were injured) as possible.

Car Accident Injuries & Medical Bills: What Insurance Will (and will not) Pay

LionsGroup.png

The range of injuries that result from car accidents varies greatly, from minor scuffs and bruises, to catastrophic injuries that require extensive hospitalization, surgery, and other intense medical treatment. If you were injured in a car accident in California, the laws essentially state that you are entitled to be made whole again, or to receive the medical care necessary to bring you back to the same state of health you were in prior to the car crash. The person who hit you is responsible for paying these medical bills, in general, but there are many "loopholes" that make getting full payment of your medical bills paid for difficult or impossible. 

How Does Insurance Evaluate Medical Care?

An injured person is expected to pursue reasonable medical treatment to care for their pains and ailments. What is reasonable? The answer to that question is, of course, subjective and it depends on who you ask. Generally speaking, medical care is considered reasonable by insurance adjusters if it happens at an appropriate time in relation to the car accident, the number of visits are within a normal range, and the cost of the care is within what insurance companies define as "industry standard." Some insurance companies are more strict than others when defining a price point for industry standard, which means they will not pay for treatment over a certain dollar point, regardless of where you live or how soon after your car accident you sought medical treatment. This situation leads many injured people to seek the advice of an injury attorney, even just to review their case and get advice on how to move forward.

triangle (1).jpg

The Cost of Medical Treatment

Some insurance companies look to what Medicare accepts as "normal" pricing for a medical treatment or procedure. Obviously this is the lowest number possible for any given medical care, and the average car accident victim is unlikely to receive any medical treatment at the Medicare price. Does this mean you have to shop around endlessly to find the absolute cheapest medical care to treat your injuries? No. It may mean you'll benefit from the representation of a lawyer who practices car accident law, or an injury law firm that can assist you in finding access to medical care that will get you on your way towards full health. A good lawyer will fight to make sure you get your medical bills paid for and also compensation for pain and suffering.

Sequence Matters in Medical Treatment

Another way in which medical bills are slashed or denied by insurance companies is by the insurance adjuster claiming there was a "gap in treatment," or improper sequencing of care. This means that if you are hurt, you need to get help right away, and then follow the advice of your doctor. If you're injured, you need to first see a qualified doctor, and then follow the regimine the doctor prescribes you until you are better. If you take long breaks in-between treatment, you may find it difficult or impossible to get your bills paid for due to gaps in treatment. Similarly, if you know you require surgery, for example, you can't just delay getting the surgery for months and years. At some point, and it varies case by case, the insurance company will say the surgery is not related to the initial accident, and they will deny liability to pay for the operation. Sequence matters. This means you should seek the opinion of someone able to give an assessment of your injuries or ailments, like the kind of doctor visit you might get at an emergency room, at an urgent care, or through your primary care doctor. Then, you're expected to follow the advice of the doctor. For example, if the doctor says you need 25 visits of chiropractic care, you will be expected to go to a chiropractor and receive that amount of care.

Chiropractic care can be especially tricky when seeking payment for your medical bills from the insurance company of the individual liable for the accident and your injuries. Most insurance companies will balk at paying for more than 25 visits, unless specifically prescribed by a doctor not affiliated with the chiropractor's office. After 25 visits, if you are still injured, you'll be expected to seek additional treatment, something more advanced, such as an MRI, or a visit with a pain management office, or a specialist that deals with the body part(s) you've suffered injury in. 

truckingaccident.jpg

Don't Accept Pennies on the Dollar for your Bills

Some people injured in a car crash or other injury that was not their fault feel helpless when the insurance adjuster offers them a couple hundred dollars to pay for large bills. Feeling helpless, they don't know what to do and accept the money, thinking something is better than nothing. This plays perfectly into the insurance companies' strategy: if you offer ten people a very small settlement, at least seven or eight of those people will either go away, or eventually accept it. Dollar for dollar, this is their best bet, and they save the most money by doing this. What the seven or eight people who accept this offer do not know is that if they're offered $500, there is likely at least a couple thousand dollars available to pay for their bills, but they don't know how to get it.

Getting to a "Fair and Reasonable" Settlement for Your Injury

trucktipped.jpg

If you weren't at fault, but you were injured, you deserve compensation to pay for your bills and for your pain and suffering. While the law says you deserve this, and there are tens of thousands of cases where this happens, most people don't know how to go about getting this money, and without the assistance of an experience and trusted injury law firm, you're very unlikely to get the money you deserve for your injury. Experience matters in injury law, and the representation of a good lawyer will, in almost every case, mean the injured person walks away with more money in their pocket and their medical bills paid for, than if they try to negotiate on their own. This has nothing to do with how smart the injured person is or how good a negotiator he or she is. If you don't know what your case is worth, or how the insurance company reviews your file and comes up with a price tag, you will not be able to get to their top offer. Of course, you can threaten to sue, but insurance companies are well represented by good defense law firms, so they are not intimidated by threats of lawsuits from individuals saying they'll go it alone and file the lawsuit. An injury law firm, on the other hand, will not only file a lawsuit on the injured person's behalf, but they'll go about it the right way and will very likely increase the cost of your claim by a lot of money: a lawsuit from a plaintiff represented by a good injury lawyer will get the attention of any insurance company or insurance adjuster.

The Lions Injury Lawyers, P.C. represents injured clients throughout California. Based in Orange County, CA, The Lions practice only injury law, meaning they focus 100% of their time, energy and effort on winning money for injured people throughout California. No matter if you live in San Diego County, Orange County, Los Angeles County - or somewhere else in California, The Lions will vigorously fight for you and your case. You won't talk to a salesman if you call for a free consultation - you'll discuss your case with an actual attorney, a lawyer who may eventually represent you and help you recover from your injury. Lawyers are ready to discuss your case today, or simply answer your questions.

Dealing With Your Car Insurance After A Car Crash

Despite writing that monthly check to your auto insurance for liability and injury coverage, most people are understandably confused regarding what happens following a car crash when it comes to speaking with insurance. The assumption is that everything will be taken care of. After all, that is why you pay for insurance, right? And if you were not at fault for the car crash, why would you have anything to worry about? Unfortunately, reality is less cut and dry, and there are several things you should (and should not do) when communicating with your insurance provider following a car crash, especially an accident that resulted in injury to you or your passengers.

What Does Your Insurance Cover

In California, the state minimum policy, or the least amount of insurance you need to legally drive in the state, is a 15/30 policy. This is the amount of insurance coverage that is likely to cost you the least amount of money. What do the numbers mean? The 15 represents $15,000 for bodily injury you cause another individual. That is, if you injure someone, your insurance will pay up to $15,000 towards their medical bills and pain and suffering. This amount must cover everything, and is the maximum amount of money any one individual can recover as a result of an accident that was your fault. Even if that person's medical bills exceed $15,000, that's the most your insurance will pay. If you were injured by someone who has this insurance policy, the most you can recover from their insurance is $15,000. Even if your medical bills are extremely high, let's say $500,000, you will only get a check for $15,000 (in the best case scenario) from the at fault driver's insurance. 

The second number represents $30,000, or the total amount that your insurance will pay towards injury claims from a given accident. This means if there were multiple people injured, they must divide all their claims into the $30,000; if, for example, ten people were hurt, and each have $100,000, the total amount any one person can get is $15,000, and the entire group's net recovery cannot exceed $30,000. Given the high cost of medical care, a 15/30 or "bare minimum" insurance policy may not be enough to cover the medical bills and pain and suffering of those involved in the crash.

Will Your Insurance Premiums Be Increased?

The short answer is no, not automatically. This depends on whether you were at fault, and whether you were issued a citation or ticket from the California Highway Patrol or another law enforcement office. The amount you pay for car insurance depends on what you use your car for (business or pleasure), what kind of car you drive, where you live, what your driving/criminal records looks like, among other factors. If you were not at fault in a car accident, you should not see an increase in your insurance premiums. If you were at fault, you will likely see an increase. This is because it will cost more for your insurance company to insure you, and you are a greater risk of costing more money to insure in the future.

When Should You Report A Car Accident To Your Insurance?

Most people don't want to talk to their insurance because they don't want to see their bills increase. However, if you were injured, or someone else was injured, you should call your insurance company. Also, if property damage exceeds $500, or is likely to exceed that amount, you should call your insurance company. Some insurance policies (the "contract" between you and your insurance) require you talk notify them immediately after any motor vehicle collision.

What Should You Say To Your Insurance Following A Crash?

They need to know where it happened, when, any contact information from the other vehicles involved, and a basic explanation of the crash. That's it. You do not need to try to explain everything. In fact, doing so is likely to hurt you more than help you. Don't accept fault for the accident, and don't give a full list of possible injuries to you or anyone else. If you were injured, say you were injured and you have not yet visited a doctor. If you give a detailed accounting of injuries, you may miss something, and you will most certainly not give an accurate accounting of your injuries when compared to your medical records. This enables insurance adjusters to deny payment towards medical treatment later. You therefore shoot yourself in the foot by trying to be helpful. 

What Shouldn't You Say Following A Crash?

First, make sure you're safely off the road and are emotionally in a good spot. Too many people try to get on the phone with their insurance when their vehicle is still in the roadway, or they are in shock and still flustered from the accident. Take care of yourself first.

  • Don't admit fault. Just don't give your opinion. State the facts as simply and straightforward as you can. 
  • Don't say you are uninjured, or were not injured. If you feel pain a day or two later, which is very common, you may negate your ability to recover in the future. If you have medpay, or excess liability coverage, for example, your insurance policy that you've been paying for may cover you. It won't cover you if you make a statement that to you seems harmless, but allows your own insurance company do deny payment later on. 
  • Don't give a recorded or "official" statement. It won't help you and it can only hurt you. Sounds overly critical of insurance company, perhaps. But attorneys that handle car accident injuries regularly in California have seen time after time cases where the injured person makes a seemingly harmless recorded statement that is later used against that person. If you make a recorded statement (some insurance providers require this), you should do so only after consulting with an attorney. 
  • Don't estimate. Communicate the facts and stick to that. The more you try to connect the dots, the more likely you are to make a statement that although it sounds harmless to you, will prejudice your case in the future. This means it will work against you in the future. Keep it simple.
  • Don't sign medical records or releases. The insurance adjuster may say this is required, but it is not. You should consult with your attorney prior to signing medical release forms. 

Don't Settle Without First Consulting With An Attorney

Above all else, if you are considering settling, you should first speak with an injury law firm or an attorney who handles injury cases. Even if your case seems simple and straightforward, there are many loopholes that allow insurance companies to settle for less than fair value. If you don't know any better, you are likely leaving money on the table. Settling without an attorney almost always means you will get less money in your pocket. 

Depending on the facts of your case, you may be leaving large amounts of money on the table that you don't even know about. This is money that you have been paying for as part of your insurance premiums, or is money that the at-fault party is covered for. Remember, insurance companies are for-profit businesses. They want to spend as little money as possible on your claim. The less money they spend on your case, the more money they keep in the business. However, this does not mean you are getting a fair settlement for your California injury claim. Don't pad the pockets of the insurance company by accepting less than fair value. 

California Car Accident and Injury Attorneys

The Lions Injury Lawyers, P.C. handle injury claims throughout the state of California. The lawyers at The Lions Injury Lawyers do not work on other matters, but focus exclusively on injury cases. This means they have the experience and knowledge to help you get fair compensation for your injuries. If you or a loved one were injured, the attorneys at The Lions Injury Lawyers will answer your questions free of charge. All representation is done on a contingency fee basis, meaning you will never have to write a check or pay for your attorney out of pocket. Your fee is taken as a percentage of the amount your attorney wins on your behalf. If your attorney does not win, you owe nothing for the services provided. Also, you will speak directly with an attorney, not a salesperson. Don't sign up with an injury law firm after speaking with only a salesperson. Salespersons are fine at selling tires and perfume, but when it comes to your health and financial wellbeing, you deserve to speak with an attorney. Contact The Lions Injury Lawyers today for a free consult.

Documenting Expenses for your Personal Injury Claim

billssss.jpg

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.

Fall Weather Driving Hazards

Parts of California may enjoy some of the most predictably sunny weather in the country, but even minor changes can result in major safety hazards. An increased awareness of road conditions that can result in dangerous conditions may help you avoid an accident.

fall-wallpapers-tumblr-wallpaper-high-definition-54374852.jpg

Wet Roads

We all know that California cities often crawl to a stop during heavy rains, but most of the precipitation on the roads is not heavy rain, or rain at all. With daylight savings time approaching, the days feel shorter and many drivers will be making their morning commute in the dark. Condensation settles on the road heavier this time of year than most. Even cities in Southern California, like Los Angeles, Orange County (which includes major business hubs like Costa Mesa and Irvine), and all the way down to San Diego, experience higher levels of morning dew. Similar to black ice in colder climates (some parts of California of course to have black ice as well), dew can be unrecognizable and therefore even more dangerous. If you are driving in the morning or evening, consider there may be more condensation on the roads than you can see, making fast stops and high speeds dangerous. Every year, drivers are injured and killed in California car accidents that are the result of a driver not realizing slick conditions on the roadway. Slow down, give yourself more time to break, and remember that there's more water on the road than you see, even if it is in the form of dew or fog.

Fog

Similar to dew, fog becomes a safety issue this time of year, especially in coastal cities and mountainous areas. Fog presents many safety hazards, and is a more obvious dangerous condition than dew, as drivers can readily see their visibility is impaired. Don't use your bright beam headlights - it doesn't help and it makes the situation even more dangerous for other drivers. Drive slower, put your normal lights on, and give yourself plenty of time to get to and from your destination. Keep your foot on the brake, as fog can be more dense in some areas and significantly decrease vision. The California Highway Patrol responds to fog-related accidents resulting in injury and death every year at this time, sometimes single-car accidents where the driver becomes disoriented and crashes. Avoid crashing your car in fog by taking it slow and proceeding cautiously.

Pedestrians

Halloween is, of course, a time of great excitement and increased pedestrian traffic. It is not just the neighborhoods, either. Consider there are more people at the grocery store and shopping mall, and as happens during every holiday season, people preparing for holidays are often aloof and not paying attention. Auto versus pedestrian accidents often result in serious injury or death, as no person is a match for a moving automobile. Pedestrians bear responsibility too: if you are walking in areas that pedestrians share with cars, remember to keep your eyes up and stay off your cell phone. Drivers owe pedestrians a heightened level of care because they are driving heavy machinery that can be dangerous and deadly. Pedestrians too can help avoid accidents simply by paying attention and acknowledging they see drivers, and visa versa.

Darkness

Daylight savings time results in more darkness, especially in the early evening. You should drive more slowly in the dark, taking more time to get to your destination. Remember that visibility is decreased, meaning other cars, bicyclists, and pedestrians are more difficult to see. Drive slowly, and remember that your response time is diminished when it is dark outside.

Involved in a Fall Weather Car Accident or Injury?

For those unlucky enough to be injured in a car accident, or an auto versus pedestrian accident or slip and fall injury, the road to recovery can be challenging. Insurance companies are notoriously difficult to work with and even more difficult to get fair compensation for your losses. Speaking with an experience personal injury attorney may be advisable. If your injury wasn't your fault and you are wondering how you will pay for everything, a good injury law firm will be able to give you sound counsel regarding your options. The Lions Injury Lawyers help people throughout California bounce back after an accident. If you are wondering what to do and how you will recover, the attorneys at The Lions Injury Lawyers will be more than happy to give you a free case assessment, as well as recommend medical providers that may be willing to provide high quality healthcare at no cost up front.

Going With a "Local" Attorney: Pros and Cons

After a car accident in which you were injured, you may wisely decide to discuss your case with an injury attorney. The benefits of talking about what happened can be great, and there really is no risk - all injury attorneys will gladly discuss your incident free of cost. But before you get on the phone, which law firm or attorney should you call? This blog post will address the pros and cons of going with a "local" attorney.

What To Look For In an Injury Attorney

Consider first that your lawyer will be your advocate, your representative. You want he or she to be familiar with all aspects of injury law where you live. If you live in California, this means the lawyer will be admitted to practice law in California. The laws regarding injuries are the same in California whether you live in San Diego or San Francisco. In this regard, the attorney who's office is down the block from where you live is not more qualified or experienced to handle your car crash if the accident happened locally. More important than geography is experience and expertise in the specific practice of injury law. Thus, if the attorney practices injury law exclusively, he or she may be more likely to be successful in handling your claim than a "generalist" attorney. This is similar to medicine. If you have a specific injury, say to your eye, you could certainly visit your primary care physician, who would be able to help you with your injury, to some extent. However, a doctor specialized in eye injuries, such as an opthamologist, would certainly have the expertise and experience to give you thorough, high-quality care. The law is similar. The more specific an attorney's practice, the more likely they are to be up to speed on that specific area of law. 

Is Local Better?

In short, no. Consider that your attorney will be corresponding with the at-fault driver's insurance company on your injury claim. Your attorney will be your advocate, fighting for your fair and reasonable recover. This is done via letter, over the phone, and if necessary, in court. The vast majority of injury cases in California, no matter where you live, will settle out of court. Your attorney will be discussing your claim with attorneys for the insurance, who may be located anywhere in the country. For example, several large insurance companies have their main offices in Georgia, Arizona, and on the east coast. Their attorneys may or may not be in California. Again, technology allows representatives from all over the country to handle the matter. Thus, whether your attorney lives hours away or down the street, his or her skill in injury law is what matters, not how close you live to the office.

Should I Meet My Attorney In Person?

This may be a surprise to many people, but often times claimants (injured people who hire an attorney) never meet their attorney in person. Why? It is simply not necessary in most cases. How is this possible? Again, technology. Your attorney's office will request all medical documents directly from your doctors. You will provide the office with photographs and any applicable documents related to your California car crash, and your attorney will go from there. There are, of course, some cases where meeting in person with your attorney may be beneficial. Some attorneys utilize Skype or FaceTime, or other live video apps, to make this possible. Your attorney should be willing to meet with you personally, but don't assume you will get a better outcome if you meet with your attorney in person. Your case comes down to the facts - and you attorney's skill in advocating your injury claim. A good injury lawyer will do this regardless of whether you meet in person.

What About Going To Court?

Most car accident cases never go to court. Court is expensive, inefficient, and takes a very long time. In the end, you are not likely, in many cases, to get more money for your injury case if it goes to court. Thus, your injury lawyer will, in many cases, be able to get you just as much money outside of court, either in pre-litigation negotiations, mediation, arbitration, or any setting prior to court. If your case goes to court, your injury attorney will make appearances on your behalf, regardless of where their office is located. Therefore, injured people are usually better off choosing an attorney who handles lots of injury cases, rather than just choosing the lawyer who has an office in town or down the road, or where the accident happened. In most cases, where the attorney's office is physically located is not important. 

The Lions Injury Lawyers represent clients throughout the state of California, from San Diego all the way to the Oregon state line. The Lions Injury Lawyers practices injury law exclusively. Wondering what your case is worth, how to proceed, or what you should be doing after a car crash? Call the Lions Injury Lawyers to discuss your car crash case with an attorney today. 

Just a "Mild" Brain Injury?

If there's one thing a good injury attorney is accustomed to, it is the defense or insurance companies' insistence on minimizing the significance of an injury. What you may call a broken leg, they will call a "fracture to the lower extremity." Doesn't sound so bad, does it?  But why would an insurance adjuster do this? End of the day, it is all about money. The less severe, the less life-altering the injury, the less money the insurance company will pay for your injury. But how does this play out when your brain is involved?

Unlike with a broken leg, a brain injury can be hard to see, and for all except the most specialized medical professionals, difficult to diagnose and explain. Yet for the injured person, the affects of a brain injury can be devastating. The Center for Disease Control (CDC) is somewhat helpful in explaining what a brain injury is:

"A concussion is a type of traumatic brain injury -or TBI-caused by a bump, blow, or jolt to the head or by a hit to the body that causes the head and brain to move rapidly back and forth. This sudden movement can cause the brain to bounce around or twist in the skull, stretching and damaging the brain cells and creating chemical changes in the brain."

Southern California is home to millions of people, and many are driving to and from work and play throughout the day. With so many people relying on commuting on a daily basis, Southern California, particularly Orange County and Los Angeles County, is home to a large number of car accidents every day. Often times the injured person complains of symptoms commonly associated with car accidents, such as whiplash, soreness in the back and neck, and headaches. The last symptom, which can range from occasional head pain, to all encompassing and debilitating migraine headache, may be a TBI.

How will you know if you are just having a bad headache, or if you suffered a concussion or TBI? A visit with the appropriate medical professional is crucial. Usually, this means visiting your primary care physician, and then getting a referral to see a specialist. Sometimes, it can take a long time to see your primary care doctor. In this case, most law firms in California, especially in LA County and Orange County, are able to sign lien paperwork with certain doctors offices. This means the doctor will treat you, and you won't have to pay out of pocket. When your case closes, a portion of the money will go to pay for the doctor's bills. Because brain injuries can be severe and life-altering, an experience injury attorney will always make sure that access to the right doctor does not keep the client/patient from seeking appropriate care.

What Symptoms Should You Look For?

If you're worried you've experienced a concussion or TBI after a car accident (or any other type of impact that injured you), you should be aware of any of the following symptoms: headache, nausea, vomiting, vertigo (problems with balance), vision problems, fatigue, sensitivity to light and noise, numbness and a dazed or stunned sensation that reoccurs. Additionally, if you feel mentally "foggy" or slowed down, are having a difficulty concentrating and remembering, or are more forgetful and confused than normal, this may indicate that you suffered a brain injury. Emotionally, if you feel more irritable and sad than normal, or are more nervous that normal, you may have suffered a TBI. Finally, if your sleep patterns have altered, such as feeling drowsy when you normally wouldn't, are sleeping more or less than usual, and are having trouble falling asleep, these changes may indicate a brain injury.

What To Do Now?

If you suffer from any of the above-mentioned symptoms, most car accident attorneys will advise their clients to seek medical attention as soon as possible. If access to medical care is a challenge, your call to an injury attorney may make it possible for you to see the right doctor very soon, and not have to pay out of pocket. The Lions Injury Lawyers, P.C. has handled many brain injury cases for clients who have suffered concussions. When the client is unable to get appointments with their normal doctors, The Lions Injury Lawyers, P.C. are willing to sign lien paperwork so that its clients can receive immediate healthcare and not have to pay out of pocket. If you or someone you care about is concerned about a possible brain injury as the result of an accident or car crash, call the Lions Injury Lawyers, P.C. today. You will discuss your case with an attorney who has handled this type of cases, not a salesman. 

Your Injury Claim: Understanding Pre-Litigation and Litigation

The different terms to explain the varying stages of a personal injury case can be confusing and misleading. If you're wondering where your case is at present, and when it is likely to conclude, you may have heard the terms 'pre-litigation,' 'settlement,' and 'litigation.' But the difference between these terms may not be clear to you. This blog post will help explain the stages of a typical California injury claim.

Pre-Litigation

After an injured person contacts the at-fault party's insurance, a claim is opened, and the "case" is in the pre-litigation stage. Law firms and injury attorneys refer to your matter as a "case," but that does not mean that your matter is in court. In the pre-litigation stage, the parties exchange information freely and without guidance or regulation from the court. Lawyers are, of course, guided by ethics requirements of the State Bar of California, and insurance companies are required to act within the Insurance Code, but there is not judge or jury presiding over the process. This is important to understand because the claim is not on a timeline, meaning the pre-litigation process might last from as short as a day or a few days, to over a year. That's not to say there is no limit to how long it can last. In California, injured claimants are required to file their claim with the court within two years of the date of the accident. After two years, the claimant cannot claim recovery in court. In short, if you don't file a lawsuit in court within two years, you're not going to be able to recover financially for your loss, no matter how grave your injuries. This is called the Statute of Limitations. Again, in California, the Statute of Limitations is two (2) years. If you remember anything of the rules that govern your case, remember this: you must protect your right to recovery by filing a lawsuit in the appropriate court within two years of your loss.

Settlement

During the pre-litigation stage, the insurance company that insures the at-fault driver (the person who caused the accident) may offer to settle your claim. They may offer you whatever amount they determine is reasonable. There is no judge or jury to determine whether the offer is fair. For example, if you were injured in a car accident and broke your leg, you may have large medical bills, been out of work for some time, and unable to walk for months. But if the driver who hit you was insured by GEICO, you may get a call from a GEICO claims adjuster who says he wants to make it right and offer to settle. He may offer you $5 or $500, and tell you that all you have to do is sign a release and they'll give you a check that same day, no questions asked. Of course, that's a ridiculous amount of money for anyone with that kind of injury to settle for, but there are no parameters within which the insurance companies must offer a specified amount. If you accept, you cannot ask for more money in the future.

Because many people are unaware of how California injury claims work with insurance companies, many claimants assume that the small amount of money (say $500) is to cover immediate expenses, and more money is available in the future. This is not the case. Insurance companies do not incrementally distribute settlement money. Sometimes, they will simply send you a check that says on the bottom something to the effect of "for full and final settlement of his/her injury claim." If you cash the check, you're done: you cannot get more money in the future. Need more treatment? Expecting to have surgery soon? Rehabilitation therapy required? It will not matter, and you cannot recover more money at a later date. For this reason, all claimants should be exceedingly cautious when signing any documents with insurance companies, or cashing any checks. A short consultation with an injury attorney may save you a lot of money!

Settlement means you agree to accept money in exchange for waiving your right to future recovery. That is, the insurance company will give you a check, and by cashing that check, you agree not to sue their insured in court. If at a later date you feel that the amount of the settlement was not enough, you cannot file a lawsuit, and if you do, it is likely to be thrown out of court. If, however, you reach a fair and reasonable settlement within two years of the date of your California car accident, you do not need to file a lawsuit to get your money. A good California personal injury lawyer will make sure the insurance company issues the check and all the required paperwork is acceptable and in your best interest - all of this, of course, before the two year mark.

Litigation

If you are not able to reach a settlement agreement, litigation may be necessary. This means you file a lawsuit against the person who caused your injury. Sometimes this means filing a lawsuit against several different people or entities, such as a driver who was driving a work vehicle at the time of the accident - you would file a lawsuit against the individual and the entity he or she was working for. Filing a case in court can be tricky, and consulting with an injury attorney is highly advisable. 

Once the case is filed, attorneys on both sides will exchange information and paperwork regarding the case. Your case will be put on the court calendar, and a court date for your trial will be chosen. Due to high volume, court dates are often 18 months to over two years out. During that time, your attorney will work towards a fair and reasonable settlement. This means your case may never go to trial. From your perspective as a claimant, you won't have to go to court, and your attorney will handle the necessary paperwork. Nobody wants to go to court - not you, not the attorneys on the other side, and not the person who caused the accident.

Litigation can be costly for all parties involved, and if your case goes to trial, costs can rise quickly. Fortunately for plaintiffs, most injury attorneys cover all costs up front, meaning your case will go forward without you having to pay out of pocket. In the end, the costs come out of your award or settlement, but at least you don't have to pay out of pocket to seek fair compensation for your injury. Once litigation closes, you are likely to receive a check to compensate you for your losses, including payment towards your medical bills and money for your pain and suffering. This is assuming you win. An experience car accident attorney will be able to give you a good evaluation of your case and the likelihood of success.

If you were injured by the negligence of someone else, The Lions Injury Lawyers P.C. are eager to speak with you and discuss your claim. All consultations are free of charge. The Lions Injury Lawyers represent injured persons throughout the state of California, including residents of Orange County, Los Angeles County, San Bernardino and Riverside Counties, and San Diego County. To speak with a lawyer at The Lions Injury Lawyers, call (949) 329-5000, or visit their website at www.TheLionsLawyers.com to fill out information regarding your injury.

The Police Report

WHY YOU NEED IT

A police report is a critical piece of evidence. If you've been in an accident you are familiar with the process, if you haven't it is good to know what to expect. Filled out correctly, a police report can make all the difference should your case go to court. Failure to fill out a police report can leave your case exposed, please read the following. 

  • It can take days to be aware of injuries.  A police report is critical in helping receive damages for your injuries. 

  • It is easy to over look damages to the vehicle. A police officer may catch things that over looked by either party. 

  • The other party may make false claims about the accident. The police report is the easiest way to collaborate a story. 

  • Initially the fault of may be placed on the wrong party, a police report can help change that.

INFORMATION TO INCLUDE 

You only get one opportunity to fill out a police report. What you say can be critical to your case. Think carefully about you share. 

  • A thorough description of what happened. 

  • The name of the driver and their insurance information

  • If there were any witnesses to your accident get their names. If possible get their account of the story with your cell phone. 

  • Details of damages to the car. 

  • Description of Injuries. 

WHAT IF THE POLICE AREN'T CALLED?

  • If the accident was small, resulting with no injuries and very little damage usually $500 or less the Police are not called. 

  • If there is extreme weather a small accident may not be high enough priority. 

  • You can always file your own police report online or at the DMV if a police officer doesn't show up.

  • If the car accident resulted in damages estimated at over $1000 and a police report was not filed within 10 days by California law your license will be suspended. A POLICE REPORT IS REQUIRED. 

TIPS

To ensure you've done everything you need to review the following to make sure you've done your part. 

  • If the other party in your accident is uninsured file a police report. It is illegal to drive without insurance. 

  • Get the police officer's name. The officer's name is included in the police report but it is not uncommon to have the name be unreadable on the report. 

  • Get your own copy. A copy of the report is available 48 hours after the accident.

  • Remember the more points of contact the better for making a claim for your auto accident.