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3 Reasons for Hiring a Lawyer After a Car Accident

Being in what appears to be a minor accident can seem like an inconvenience rather than a legal matter. Your car may be drivable despite the dent in the bumper, and the taillight is gone, but no one was injured, at least not seriously. So, why should you hire an attorney?

Injuries can Worsen Later

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Right after an accident, no matter the severity, your adrenaline is pumping, your thoughts seem to be rushing by, and you are late for work. Even though you feel fine at that moment, you shouldn’t refuse medical treatment.

Many minor fender benders can result in serious injuries like herniated discs, torn ligaments, or, one of the most common injuries, whiplash.

No matter how minor the accident seems, don’t refuse medical treatment at the scene or visit your primary physician in case an injury appears later. 

Refusing treatment can make it harder to receive compensation for necessary medical treatments and pain and suffering for injuries you sustained.

Speak to Insurance Company

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If the accident was the fault of the other driver, their insurance company would want to settle the claim as quickly as they can. The less time they spend on haggling with you, or an attorney, over the claim, the less money they will pay you.

That’s why you may get a call at home or a visit in the hospital offering a quick settlement. However, if you hire an attorney to represent you, they can speak to the insurance company on your behalf. According to ThomasLawOffices, they can help you receive compensation for injuries that need treatment right after an accident, as well as cover treatments that you may need in the future.

Timely Filing of Documents

An attorney will be aware of the statute of limitations for filing a lawsuit to receive compensation for any injuries you sustained, back pay for missing work, and pain and suffering. Many people are not aware of the statute of limitations, which can keep them from receiving the compensation that they deserve.

Source:wkfirm.com

In Illinois, the personal injury statute of limitations is two years. This statute applies to any personal injury case, including slip and falls, automobile accidents, or other causes. If your car has damage, then there is a five-year limit for filing a claim to recover personal property damages.

After you’re involved in a traffic accident, you may be disoriented, frustrated, or in pain due to any injuries you may have sustained. Instead of trying to deal with insurance agents or attorneys on your own, contact a personal injury attorney who will take care of the legalities for you. They can speak to the insurance company, gather the evidence from the police report, and medical reports to build a case to get you the best possible compensation for your injuries.

Don’t try to face the aftermath of an accident alone. Get the help you need so that you can get your life back on track after being injured.

How To Deal With Medical Debt Collection

None of us, literally none of us want to run out of funds, ever in life. But once you are bankrupt, or on the verge of bankruptcy, you will find things slowly, but steadily going out of your hands. This is what happens when someone is burdened under the humongous pressure of medical debt.

Insured or not insured, medical debt could be fatal to both. In fact, every year, there are so many cases of medical debt bankruptcy around the world – a popular Facebook meme said that as many as 643,000 Americans go bankrupt each year due to medical bills! The reason why I am here today, to guide you through the process of medical debt repayment. So let’s begin:

Source:aarp.org

Never bury your head in sand

I meant Don’t ignore or avoid your bills. Most people commit this mistake, and later pay a hefty price in the future. Your ignorance wouldn’t just magically make them disappear; you have to pay them – today or tomorrow! Unfortunately, there is no way out. It is just a matter of time, that hospitals or other medical providers will do their basic research, after that, the onus would be transferred to the debt collection agencies, and we all know, they don’t buy your nonsense. Also, unpaid bills for a prolonged period would take a toll on your financial security, and your credit score goes for a toss. You clearly do not want that.

Don’t fall for an Explanation of Benefits

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An Explanation of Benefits or EOB is a statement sent by your insurance company, that depicts the amount paid by them on your behalf. I also discussed this in the beginning – insured or not insured, it does not matter. You will have to pay the entire amount. So, make sure that you have an actual bill in hand, and not an EOB. Go through the mail which had the EOB thoroughly to find out whether you have a balance due or not. If yes, you can soon expect a bill from the hospital or the debt collection agency.

 

Negotiating can do wonders

Unfortunately, the world of medicine has also taken a pitfall that just talks about money. So, if you are not attentive enough, you will find yourself paying Rs 1 lakh for bandages. And trust me, try negotiating, it is actually a brilliant technique to cut down all the extras. I know, it is not street shopping, but the medical world counts on you for not being aware of what you are paying the bills for. So, if you show some intent, it would always work in your favor. Do not negotiate with doctors; negotiate with the bill clerks at the billing counter. Actually, the mechanism in which they charge is really random. So, call them and straight up say, ‘I will not be able to pay the bill at all, if you are unwilling to settle on common terms!’ and then check the response and accordingly follow.

Start paying them

In reality, the amount that you see on the final bill is the summation of some small bills. So, there are more chances than not that you will be able to pay the small ones all at once or in a lump sum. Everyone has a savings account in today’s date, so use it. And if you have an emergency fund, it will help you a great deal.

Make a payment plan

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If you are not able to pay your bills fully and immediately, but the intent to do so in the future, you need to call your insurance company or the doctors or the billing clerks. They can serve as a great guide for you in the process of making your payment arrangements. This has two major benefits. One, this would help you review your budget and make timely payments every month. And two, the billing department knows that you are not ignoring the bill and possess a positive intent to pay it in the near future.

Follow these tips to the T, and you will soon find yourself free of all the medical debt collection by companies like Cedar Financial. As much as debts serve help in need, if nor paid in time can transform into pain-in-the-ass real soon. But in the end, you have to understand that you are responsible for them. I know sometimes it gets really difficult, but it is surely not impossible. Stick to the process and keeping yourself motivated, the end goal is not too far!

 

Benefits of hiring car accident lawyers

A car accident can rip you away from normal life. One can suffer from bad injuries, financial burden, temporary disablement, or even can lose their loved ones. Whenever you stuck into such circumstances, it is always advised to hire a well known and reliable lawyer. In your hard and financial breakdown time, your lawyers can suggest you with some fair compensation and will tell insurers to offer best for the loss that has occurred.

Why should you hire a car accident lawyer?

To prove negligence

source: halt.org

To claim the compensation for your injuries it is obligatory to show that the accident has been caused due to other driver negligence. If you feel the burden to prove this, you can take help of car accident lawyer Atlanta. Any skilled lawyer will help you by demonstrating all elements of negligence occurred during the accident.

Gather evidence

Some strong evidence is required to prove that calamity was caused by others negligence.  Your lawyer will give you a proper guideline what evidence is required to support your injury claim. Evidence can include-:

  • Traffic camera recording
  • Witness statement
  • Report prepared by law enforcement officers
  • Medical reports which show your injuries caused in a mishap.

Knowledge of laws that applies to your case

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You can face a difficult time in understanding the rule and laws applied to your case if you don’t have good knowledge of the laws. This includes traffic laws negligence which opposite party violated by causing the accident. Your lawyer will surely have years of experience in dealing with such accidental problem.

Determine the value of your claim

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It is difficult to claim car accident value as many aspects are involved in it. Initial offer offered by your insurance company may be to low to get fully recover from the loss. Your lawyer can only help you to claim the best value for your injury so that you can cover the cost associated in your injury.

Some facts that are to be considered while calculating the value of your claim

  • Wages loss, because your injury doesn’t allow you to work.
  • Lost earning which you would not be able to earn in the future due to some permanent disability in a body.
  • Replacement and repair cost of the property damage (Vehicle).
  • Medical treatment cost

Handles insurance company for you

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If you are thinking to file property damage or injury claim for compensation with the insurer, you have to communicate within the company so that your claim can proceed. This person will never be on your side and will always try to save the company money.  He will surely try to do the things mentioned below

  • Blame that your injuries are pre-existing or are from some other incident
  • Will try to limit your claim at very less value
  • Try to make you the culprit in accident occurrence.

The fault is not clearly described

source: lawyerguide.net

If police are not filing your report with the facts occurred while accident and in return puts you at fault. At this time your lawyer will help you to determine who is responsible for damages.