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Orange County Car Crashes: Top Questions Injury Lawyers Are Asked

Injury lawyers are asked many of the same questions from clients regarding their Orange County, California car accident. This blog post is a compilation of the top questions we receive here at The Lions Injury Lawyers, P.C., and is meant to help anyone seeking clarification regarding their injury claim, but should not be relied on as legal counsel. This is because every case is unique and you should seek the advise of an attorney or injury lawyer in order to address the specifics of your case. However, there are several basic questions that we are asked over and over again, and so this blog post is an attempt to clarify some of these questions.

The job of your injury lawyer is to get you back to where you were before your injury. This means you are physically healthy again, and financially you have been reimbursed for all medical expenses related to your injury.

The job of your injury lawyer is to get you back to where you were before your injury. This means you are physically healthy again, and financially you have been reimbursed for all medical expenses related to your injury.

”How Do I Get My Medical Expenses Refunded?”

As part of your injury claim, you may expect to have your medical expenses paid for by the person who hit you. First, you need to see a doctor as soon as possible following the crash. Then, you need to be attentive to all appointments and be compliant with the doctor’s orders. This may include MRIs, x-rays, physical therapy, chiropractic care, massage therapy, or things like injections and surgery. Upon completing your treatment, your attorney will compile all your medical records and present them to the insurance company of the at-fault driver, accompanied by an explanation and a demand for settlement.

“What if I Need Medical Care Over a Long Period of Time?”

You have two years from the date of the accident to either settle your claim, or file a lawsuit. If you fail to do either of these things within two years of your injury, you cannot recover financially, and this includes being refunded the cost of your medical care. But what if you are going to need care for a long time after the two year mark? Your lawyers will compile your medical bills and present them in a manner that will include the cost of future medical expenses as part of your injury settlement. Sometimes this may require bringing in an expert, such as someone familiar with medical billing, in order to give a detailed accounting of what your medical costs will likely be in the future. A good injury attorney will do this for you and will have experience handling claims like yours.

Even ten minutes on the telephone with an injury lawyer is likely to give you a new perspective on how you should move forward. If nothing else, it should provide you with peace of mind as you navigate what can be a frustrating and confusing process.

Even ten minutes on the telephone with an injury lawyer is likely to give you a new perspective on how you should move forward. If nothing else, it should provide you with peace of mind as you navigate what can be a frustrating and confusing process.

”What if I Don’t Have Health Insurance, or I Can’t Get An Appointment to See a Doctor Quick Enough?”

If you don’t have health insurance, but are injured in a car crash or other accident that was not your fault, you may still be able to receive good medical care. Some privately owned medical offices are willing to provide treatment on a lien. This means that they will ask your lawyer a few details about your case, including the likelihood that the insurance company of the individual who caused the accident will pay to settle the claim. This is called lien-based treatment. Most California based injury lawyers know of many medical offices that are willing to work on a lien basis. The office sends a legal document to your lawyer, who signs it and returns it. This means that if there is a settlement or a verdict in your favor, the medical office will be paid before you are paid. Basically it delays payment, but makes sure the medical office eventually gets paid for the services they provide you.

The amount of money you get after your injury case settles depends on many factors, most of which you are unlikely to have considered unless you have been involved in several injury cases in the past. A good injury law firm will guide you through the process and explain the many variables at play in your injury case.

The amount of money you get after your injury case settles depends on many factors, most of which you are unlikely to have considered unless you have been involved in several injury cases in the past. A good injury law firm will guide you through the process and explain the many variables at play in your injury case.

”What If I Don’t Have Money To Pay a Lawyer?”

Most car crash lawyers, also referred to as personal injury lawyers, work on a contingency fee basis. This means their pay is contingent on whether or not they win. If they win your case, they are paid a portion of the settlement money. If your lawyer loses, in most situations this means he or she is paid nothing. This makes it so people who need legal representation are able to have an attorney. This also makes it so a lawyer only agrees to represent someone on a case if he or she thinks the case is winnable. Contingency fee agreements are the standard in California for injury cases. If you decide to hire a lawyer using a contingency fee agreement, you should read the document before signing so you know the percentage your attorney will take in the end as his or her fee, as well as other details pertaining to your case.

Because of the number of drivers in Orange County, traffic accidents resulting in injury are not uncommon. Knowing how to proceed after you are injured in a car crash can be confusing.

Because of the number of drivers in Orange County, traffic accidents resulting in injury are not uncommon. Knowing how to proceed after you are injured in a car crash can be confusing.

”What If I Already Settled My Property Damage Claim But I’m Still Injured?”

If you were injured in a car crash, your vehicle was likely damaged. You may have gotten your vehicle towed and fixed and may have signed something to receive a reimbursement check. This is the property damage portion of your case, and is separate from the injury portion of your case. You should know that just because you settled the property damage portion of your case does not mean you have settled your case. They are essentially two different cases. You can still receive money to help compensate you for your injury even if you already received money for your car. Usually the money you receive for your car is the cost to repair or replace for fair value. The injury portion is different. The injury settlement must include reimbursement for medical bills, money for lost wages, pain and suffering, and money for future medical expenses. This settlement is often much more than your property damage settlement.

”Should I Hire A Lawyer Who Doesn’t Live In My City?”

The location of your injury lawyer’s office does not matter nearly as much as his or her experience in handling injury cases. Much of the work on your injury case is done over the telephone, not in person.

The location of your injury lawyer’s office does not matter nearly as much as his or her experience in handling injury cases. Much of the work on your injury case is done over the telephone, not in person.

Your Lawyer should practice injury law. Similar to doctors, lawyers focus their practice on specific areas of the law. For example, a real estate attorney will not likely know much about injury law, except for the basics. For this reason, most people who hire a lawyer to represent them for their injury hire a lawyer or law firm that only handles injury cases. A lawyer has a license to practice law in the state of California, not a specific county or city. With technology, this means you can hire someone who potentially lives far away from you and still benefit from his or her expertise. It is therefore not important that the lawyer lives close by to you. Most, if not all of the work on your case, is done between the lawyer’s office and the insurance companies and medical offices using email, fax, and telephone. Physical proximity to your residence is not important.

5 Things To Remember During Your Personal Injury Deposition

Sitting across the table from a lawyer that represents the insurance company for your personal injury case can be intimidating. Fortunately, with a little preparation and sound legal representation, you have nothing to worry about.

Sitting across the table from a lawyer that represents the insurance company for your personal injury case can be intimidating. Fortunately, with a little preparation and sound legal representation, you have nothing to worry about.

Following a car accident in which you are injured, you may at some point have your deposition taken by an attorney that represents the insurance company that insures the at-fault party. This can be a nerve wracking experience for anyone. With any luck, your personal injury attorney will help prepare you for what to expect. No matter what the symptoms or cause of your injury, your deposition is an important part of your case, and understanding how to best answer the questions asked of you is something you should take seriously.

With a little preparation, you can rest assured your deposition will go smoothly. A deposition is sworn testimony. This means you will literally raise your right hand before answering the questions and swear to tell the truth. A certified court reporter will ask this of you. Be advised that the deposition may be recorded on video as well. While the format is basically a conversation or interview, the importance of your answers cannot be understated: your deposition will be typed up in a word-for-word document that becomes part of the official record on your case, meaning it can (and likely will) be presented at trial. You should therefore prepare for your deposition as if you were preparing to answer the same questions before a judge and jury in a courtroom.

We have prepared five things you should remember when preparing for your deposition. This is not official legal advice, and we urge you to seek legal counsel and/or representation by an attorney in order to understand the details specific to your case.

Answer the Question and STOP Talking

Most lawyers agree that the shorter your answer to a deposition question, the better. Keep it simple. Remember that although you are sitting across from an attorney, the result of the deposition is a written transcript. The deposition transcript is written in the following format:

Attorney: What color was the car?

Respondent (You): Blue

The range of questions the attorney on the other side of the table asks you is essentially unlimited. The attorney may appear to be your best friend, or may come off as mean and combative - you never know and it does not really matter. End of the day, the attorney asking you the questions is not your friend - his or her job is to chip away at your case and find weaknesses or inconsistencies in your version of events. This can be tricky, as many of the questions you will be asked are not difficult, and there’s no room for error, such as ‘what is your birthdate,” or “where were you born?” But some questions are not so simple. For example, “explain to me the symptoms of you injuries.”

In short, you should listen to the question you are asked, and pause for a second before answering. What was the question? Answer only that question, and wait for the attorney to ask you another question. It is easy to get into “conversation mode,” where you feel like you are just having a normal conversation, back-and-forth, with the attorney. This is especially challenging when you get along well with the attorney, who may be very friendly towards you. Remember: answer the question asked of you, and stop talking! The more you talk, the better for the attorney on the other side of the table. If you remember just one tip, remember this: answer the question and stop talking!

The format of your personal injury deposition does not change based on location - your case might be Orange County, the Central Coast, or San Diego - it doesn’t matter.

The format of your personal injury deposition does not change based on location - your case might be Orange County, the Central Coast, or San Diego - it doesn’t matter.

Don’t Volunteer Information

The attorney asking you questions can basically ask you whatever he or she wants. Your attorney will be there, but your attorney won’t be doing much talking. Again, this is not a normal conversation, but rather an opportunity for the insurance company’s lawyers to chip away at your case, which ultimately means less money in your settlement. You may feel the urge to explain yourself, or give your version of events.

Listen to your lawyer, as he or she is well versed in injury law and will help you understand when you should feel free to give your version of what happened, and when you should keep quiet. We have a tendency to try to be defensive if we feel our opinions or position on an issue is being attacked. The fact that you are sitting in a conference room answering questions to an attorney for an injury you incurred through no fault of your own might be offensive, even angering to you. But don’t let your emotions get the best of you. Remember, if your attorney guides you to share more information in a particular line of questioning, feel free to do so. Otherwise, don’t volunteer information, even if in your mind you feel like it is completely harmless and can only help you.

Not Your Friend

Defense lawyers (as with all lawyers) come in all shapes and sizes, and most importantly, their personalities are not always predictable. You may be imagining a scary, intimidating older man, or perhaps a sharp and mean lady. This may be who you are sitting across the table from. But don’t be surprised if the attorney is the opposite of what you imagined. Maybe he or she is younger, more attractive, friendlier, or however you say it, a lot more likable than what you were expecting. We tend to talk more easily when we are with people we get along with, so don’t be surprised if the attorney talks with you in a way that makes you very comfortable. Don’t get too comfortable, and remember, he or she is doing their job, and you’re unlikely to meet this attorney again. Just because you are having a good time talking to the attorney, or you feel he or she is really on your side, doesn’t mean this person won’t hurt your case, or weaken it. That is his or her job. Remember that the defense attorney is not your friend.

A deposition may be one step you have to go through to get to the light at the end of the tunnel on your personal injury case. In most injury cases, this is a step that helps lawyers on both sides prepare for trial, or expedite the settlement of your case.

A deposition may be one step you have to go through to get to the light at the end of the tunnel on your personal injury case. In most injury cases, this is a step that helps lawyers on both sides prepare for trial, or expedite the settlement of your case.

You Don’t Know What You Don’t Know

There is a reason the attorney is asking you the questions he or she is asking you. Don’t try to figure it out. Some of the questions regarding your injury will make sense. Some won’t. Do not waste your time engaging in mind games, trying to understand what the other attorney is trying to get at, or trying to get you to say. At the same time, don’t assume the questions are not important. You should be concise in your answers, and answer truthfully, but you should not try to add information in an effort to “fight back.” Leave that to your injury lawyer, who will have experience in understanding what the other attorney is doing, and why.

If you feel like you want to talk to your lawyer, you can at any time ask to step into the hall. Most defense lawyers will ask that you first answer the last question they asked you, and then step into the hall. But you may sense that you are uncomfortable with the direction the questioning is going. This is normal. Feel free to take a bathroom break, ask to speak with your injury lawyer in the hall, or go “off the record” whenever you want.

Don’t be surprised if you are answering questions for many hours. For the first two or three hours, you may feel like your deposition is a breeze. But five or six hours in, you may find yourself somewhat exhausted. This is often by design. Again, you do not need to figure the whole process out. In fact, because you are not an injury attorney, you’ll never be able to learn all the nuances necessary to understand exactly what is going on. This takes years and years of practice, and you would first have to handle thousands of injury cases to pick up on the trends, tricks, and traps. Trust the counsel of your lawyer, and he or she will guide you through the entire process and help you get through your deposition testimony without unnecessary stress or anxiety.

Your Deposition is Not a Conversation

Finally, remember that you are not just chatting casually with an attorney about how you were hurt. Defense lawyers are building their case against you, even if the lawyer sitting on the other side of the table has a smile on his or her face. Remember that you have sworn to tell the truth, and that every word you say will be transcribed (typed) and made into a small booklet that can be used at trial. Don’t get carried away talking too much. Listen to your lawyer, and answer only the question asked of you, one at a time. Take a moment after each question to think about what was actually asked, and provide a basic, brief answer. If you remember that the court reporter is typing every word, you will speak more slowly, which is good for everyone. Don’t interrupt the attorney who is asking you questions.

“Don’t Get Screwed”

This information is not official legal counsel, and you should not rely on it exclusively. These tips were compiled by plaintiff’s attorneys at The Lions Injury Lawyers, P.C., a law firm that helps injured people get fair money for their pain and suffering. The Lions are based in Orange County, California, but represent plaintiffs throughout the state of California, from San Diego all the way to the Oregon border, and everywhere in between. If you have questions regarding your injury or your case, feel free to call The Lions today. You will speak with a lawyer, not a salesperson, and your call is free of charge.

How Does a ‘Statute of Limitations’ Affect Your Injury Claim?

The 'Statute of Limitations' language can be confusing to non-lawyers (and even lawyers!). Make sure you've got accurate information regarding the time constraints of your California injury case.

The 'Statute of Limitations' language can be confusing to non-lawyers (and even lawyers!). Make sure you've got accurate information regarding the time constraints of your California injury case.

The law is full of terms and phrases that can be confusing to people unfamiliar with their meaning and significance. One such term is the ‘statute of limitations’ that limits a plaintiff’s ability to recover a financial settlement or reward for their injury. In the state of California, if you were injured by the negligence of another person, you must either file a lawsuit against the negligible (at-fault) party, or settle your case, within two-years in most cases.

Receiving the proper medical treatment for a car crash injury can often take you past the two-year mark. What then? In short, talk to an attorney: you have options.

Receiving the proper medical treatment for a car crash injury can often take you past the two-year mark. What then? In short, talk to an attorney: you have options.

The Two-Year Mark

If you were involved in a car crash in which you were injured by another person, you generally have two years to either resolve the claim amicably (settlement), or file a lawsuit. This applies to most general negligence claims when two private citizens or corporations are involved. The California courts are exact in their approach to the statutory limit: two years means two years, not two years plus one day. Do not rely on your own charisma, or exceptional circumstances, or any reason whatsoever for failing to file your claim, or resolve your claim, within the applicable statute of limitations. Judges and insurance companies will not be lenient and make an exception for your case. It does not matter if you travel for work, gave birth, lost the phone number, or are a NASA astronaut and traveled to the moon! The statute of limitations is rigid. Don't miss it!

What to do if you're not back to full health, but the statute of limitations is approaching? Talk to an injury lawyer. The law provides for you, but it isn't straightforward. 

What to do if you're not back to full health, but the statute of limitations is approaching? Talk to an injury lawyer. The law provides for you, but it isn't straightforward. 

What About Settling Your Injury Claim?

Also, if you consider your injury claim more or less settled, you still have to provide the insurance carrier a signed release prior to the two year deadline. If you've talked with an insurance adjuster and have basically agreed on a number, but haven't signed a release, or there are other parties that must sign the release in addition to you, you're not safe in the sense that you can expect the insurance company to pay. Most injury attorneys in California will advise you to sign all necessary documents (in the case of settlement), at least a few weeks before the statute of limitations approaches in order to avoid surprise.

You're supposed to be put back to the place in health and finances that you were before the injury. If you're not there, what can you do to "get back?" Start with calling a good lawyer.

You're supposed to be put back to the place in health and finances that you were before the injury. If you're not there, what can you do to "get back?" Start with calling a good lawyer.

What About Public Entities?

If, however, you were injured by what is called a 'public entity,' such as a school bus, or a metro bus, or any other government-owned entity, your statute of limitations is significantly less. In California, you have just six months to assert your claim to the proper entity. This can be confusing, as you are bound by a rigid timeline, but it isn't clear how to proceed with your claim in most situations. A law firm that focuses or specializes in personal injury cases may be a good point of contact to answer your questions and point you in the right direction.

For example, if you were injured by a Metro bus in Los Angeles, there is a claims process that the injured party must initiate prior to the six month mark. Because there are a lot of people injured by buses due to the large volume of its fleet and riders, the process for a bus claim is not as tricky as, say, a claim against a charter school, or a park that you're not sure if it is a city park or not. The six month mark is general, and there are exceptions. From there, the government has forty-five (45) days to respond to your claim. In most situations, you have six months to file a lawsuit from the date of receiving the government's rejection of your claim in the mail. Again, this is a general timeline aimed at giving some helpful information, but the details can be complicated, and it is advisable that you seek the counsel of a reputable attorney if you have any questions regarding how the statute of limitations may affect your claim.

Basic California Car Crash Injury Claims

In most car accident crashes, which account for the majority of personal injury claims in California, the process is fairly straightforward, and there are few surprises. This is of course according to a law firm that focuses entirely on injury cases - if you are trying to handle the settlement or litigation of your injury case by yourself, then you should expect the process to be frustrating, confusing, and not at all straightforward. However, as car crash lawyers handle these cases every day, year after year, there are rarely surprises. This is one reason why personal injury attorneys are often consulted by people who are not sure whether they have a claim, how they should proceed, and don't know whether they can afford a lawyer. The good news is most personal injury lawyers in Orange County and Los Angeles county offer free consultations or case reviews, and they almost all work on a contingency basis, meaning there is no out of pocket expense to the client. The attorney collects a percentage of the total settlement as his or her fee, so the injured person does not have to pay for anything up front.

This Blog Post is Not Legal Counsel

Don't sleep on the statute - if you miss it in California, there really isn't a way around it! Judges will not be "lenient."

Don't sleep on the statute - if you miss it in California, there really isn't a way around it! Judges will not be "lenient."

This blog post is meant to inform, but not give a comprehensive legal analysis or provide information upon which you should base your decisions on how to pursue your legal claim. Each injury claim is unique, and your claim may get confusing or tricky fast - such as when several cars are involved, and when one of the cars is a public bus, for example. The most important thing to remember is you don't have forever to decide whether you want to file a claim against the at-fault person. Most injury lawyers would advise that it is always helpful for someone unsure about how the statute of limitations affects their case to talk with a personal injury lawyer who handles California cases. 

This blog post was written for basic information purposes only by  The Lions Injury Lawyers, P.C.   The Lions  practice personal injury law in Southern California and  represent clients  throughout the state of California. The content contained herein is not formal legal advise, and should not be relied upon as you decide how to move forward with your injury claim. You are advised to seek the formal legal opinion of a lawyer to discuss the details of your injury claim.

This blog post was written for basic information purposes only by The Lions Injury Lawyers, P.C. The Lions practice personal injury law in Southern California and represent clients throughout the state of California. The content contained herein is not formal legal advise, and should not be relied upon as you decide how to move forward with your injury claim. You are advised to seek the formal legal opinion of a lawyer to discuss the details of your injury claim.

How to Choose a Car Crash Lawyer

Attorney or Salesman?

Some people feel like they are talking with used car salesmen when they are talking to an injury law firm. In California, there are no shortage of law firms that practice injury law, so there is competition amongst the lawyers. This is good for you, as it gives you plenty of options. However, it can also lead to a situation where the people you are talking to when looking into a law firm play the role of salesmen, and are not lawyers and will not handle your case. You should expect to speak with a lawyer licensed to practice law in California - if a law firm won’t put you on the phone with the lawyer who will handle your case, you are likely talking to a salesman. Like any sales position, these individuals say all the right thing and put on the charm, but they do not know the intricacies of the law, as they are not lawyers. More importantly, you won’t talk with this person ever again, in most situations. Their job is to sign you up and get your case, not help you in the long run. 

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Who will be your attorney?

If you are looking for a lawyer to help you, you can expect to talk to an actual attorney, not just the sales team. Consider it a red flag if the person you are talking to is not a lawyer, and cannot tell you which lawyer will be handling your case. They will tell you the case will be reviewed by a team of lawyers and assigned to the lawyer most capable to help your case. This sounds good, but what it really means is you have no idea who will be taking your case. Most injury cases last many months and sometimes years. If you sign a contingency fee agreement or contract to hire a lawyer or law firm to represent you, but you’re not allowed to talk to the actual lawyer, do you really have enough information to make an educated decision as to whether the lawyer will be a good fit for you?

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Too Good to be True?

Unfortunately, many people who are looking for a lawyer to help them with their car crash injury case are given unrealistic expectations. If you are discussing your accident claim with an attorney who is telling you how much money you will walk away with, and it sounds too good to be true, it very well may be. Predicting the amount of money a plaintiff will receive is not easy. While a good injury lawyer can give a ballpark estimation, some law firms use inflated estimation with savvy salesman techniques to excite you and convince you to sign on the dotted line. A good case evaluation will include a review of numbers, including the cost of your medical bills, the cost of your future medical treatment, and of course the structure of the attorney's fees. Beware of salesmen who only want to talk about how much money they think you'll get in the end. This can be exciting, but it can also be a smoke and mirrors situation. 

Personal Injury "Specialists"

Technically speaking, there is no such thing as a personal injury specialist in the law, according to the State Bar of California. That said, there are law firms that only practice injury law. These law firms obviously have more experience in car crash cases and the nuances of injury law. In comparison, a lawyer who practices a little transactional law, some tax law, perhaps a divorce here and there, does not always know the up-to-date trends and changes in injury law. 

Are They Located Near You?

Surprisingly to some people, this matters less and less as technology enables lawyers to represent people who live far from their physical office. In fact, most personal injury law firms that specialize in car accidents and injury cases in California are able to represent clients throughout the state. This means that it tends to be less important where the physical office of the lawyer or law firm is, and it makes your attorney's experience and practice focus all the more important. 

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If Nothing Else, Remember This

Personal injury cases can be complex, and your attorney's experience in this area of law matters. If you're looking for a lawyer to represent you for your California car accident injury case, or any type of injury case, you should seek the counsel of a lawyer who knows what he or she is doing, and is willing to give you the time of day to discuss your case without pressuring you to sign with his law firm. Injury law firms are notorious for employing aggressive sales techniques - this should be a red flag to you. If you're talking to a salesman, you're being sold something. If you were injured and need someone to help you recover physically and financially, you don't need a salesman, you need a good lawyer. 

This post was written by  The Lions Injury Lawyers, P.C. , a personal injury law firm located in Newport Beach, California.  The Lions  represent injured people throughout California and focuses exclusively on personal injury law.

This post was written by The Lions Injury Lawyers, P.C., a personal injury law firm located in Newport Beach, California. The Lions represent injured people throughout California and focuses exclusively on personal injury law.

Treatment for a Car Accident Injury: How Long Can You Treat?

One of the most frequent and important questions regarding treatment for an injury stemming from a car accident is how long you can treat and expect that the at-fault driver's insurance company will pay for your treatment. Some injuries, such as a broken bone, may be fairly predictable, while other car crash injuries may take significantly longer to mend.

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Big Picture: Treat Until You're Healed

The law basically says that if you were injured and it was not your fault, it is the other party's responsibility to make you whole again. This has been interpreted to mean that you should essentially be put back in the same position you were before the car crash. One way insurance companies avoid paying medical claims from car crashes is by saying that your injuries were "preexisting conditions," or in other words, you already had the ailment or were hurt in that area of your body before the car crash. If that is true, the insurance company (who steps in for the actual driver who caused the crash), does not have to pay for your medical bills relating to a preexisting condition. But what if you were injured in an area of your body that was already painful or hurt, and now it is worse?

Aggravation of Preexisting Conditions

Nobody is perfectly healthy, and the older we get, the more ailments we tend to have. For example, it is common for older people to have back pain. So if you have back pain before a car accident, does that mean that you can't receive medical treatment for the pain if it is now worse than it was before your car accident? California courts have taken the approach of looking at what is fair and reasonable, and consider whether the treatment received is medically necessary. Thus, if you had a bad back before the crash, but it has gotten worse, you should be able to seek treatment. After all, the increase in pain cannot be attributed to you being older, but directly relates to the car crash. Thus, California residents (and this is the same for those living in Southern California as in Northern California) should consider getting medical help and treatment for the aggravation and exacerbation of prior injuries if it is reasonable and medically necessary.

Examples of Treating Prior Medical Conditions

Consider that some people are involved in multiple car crashes. After all, California roads are among some of the busiest in the country, and some of our cities, like Los Angeles, Orange County metro area, like Irvine and Costa Mesa, see millions of drivers every week on their thoroughfares. Thus, some people experience a car wreck more than once. What if a person is injured, received medical treatment and is feeling better, and then gets in another car accident that is not his or her fault, but is injured in the same way again?

If the injury is in the neck and back, the individual will likely follow this type of treatment: a visit to a doctor, which may include going to the emergency room or an urgent care, but often is simply a visit to your primary care physician; then, perhaps they have an x-ray taken, or an MRI, in order to find out the extent and severity of the injury; next, they may go to a chiropractor or pain management doctor and try to heal their injuries through therapy; finally, if necessary, the individual may have a surgical procedure, such as a fusion surgery, or receive a stem cell injection, or an epidural injection. There tends to be a chronology of care that increases in seriousness as the treatment continues. Nobody wants to have an epidural injection, or have an invasive procedure like surgery on their back. However, if the pain a person feels continues, they may elect these procedures.

How do Insurance Policy Limits Play In?

The more treatment an injured person receives, the more expensive it will be. The more intensive the treatment, such as surgery or injection of an epidural or stem cells, the more costly the care is. But what happens if there is not enough money in the at-fault driver's insurance policy? The basic answer is that the at-fault driver's insurance company can rarely be made to pay you more than what their insured's policy limits are. Thus, if the individual who caused the crash was insured for only $15,000, at the end of the day, that is likely the most the insurance company will pay for your medical bills. Of course, if there is a bigger insurance policy, and your injury requires more costly medical care to recover from, then the insurance company will be made to pay more to make you whole again.

It does not seem fair that the same injury can settle for different sums of money, but consider a situation in which two people have the same injuries, but one was injured by someone with a million dollar insurance policy, and the other person was injured by someone with a $15,000 "minimal" policy (in California, to legally drive on California roads, $15,000 is the minimum amount of liability coverage individuals need to be insured for). Now, consider that the two people both need a surgery that costs $50,000. The individual who was hit by someone with a million dollar policy will be able to get the surgery and can reasonably predict the insurance company will eventually be made to foot the bill. The individual hit by the driver with the minimal insurance policy may elect to get the surgery, but how will they pay for it? If the insurance company pays the $15,000, what happens to the remaining $35,000 of the bill? And what about pain and suffering, lost wages, and future medical treatment?

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How an Injury Attorney Can Help

Most people don't know how to proceed in a situation such as the example shown above - even finding out how much the at-fault driver is insured for can be a great challenge to people who are not represented by an injury lawyer. The good news is that injury law firms usually work on a contingency fee basis, meaning whatever money they are paid comes out of what they win. For example, most injury lawyers will pay all the costs on a case up front, and won't get pain anything until they win your case, so you're never left writing a check to your lawyer, not knowing whether you'll actually win in the end or not.

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An injury attorney can help you compare your situation to other cases, and can help advise regarding policy limits, jurisdictional issues (a case in San Francisco may play out differently in court than it would in Los Angeles County, or Orange County), and other questions you might have. Regarding how long you should treat, a good injury lawyer will be able to get into the details about your prior injuries or ailments, and will help you understand the process of how injury cases are handled, including what the general value of your case may be, and whether or not your case is one that will likely go to trial or not. 

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The more you understand how the injury claims process works in California, the better position you will be in to make wise and educated decisions. If you're like most people, this is new territory. Fortunately, injury lawyers and most injury law firms have seen hundreds and sometimes thousands of cases, and their attorneys can compare your case with the outcome of similar cases. Without knowing how similar cases worked out in the past, you will have a hard time making educated decisions regarding your treatment. For this reasons, many people find it helpful to discuss their injury with a car crash lawyer, even if they don't decide to hire the lawyer. The more you know, the better you'll be in the long run, and that is never more true than when it comes to treating your car accident injury.