How to Hire Injury Lawyers

June 29, 2012 · Posted in Legal 

When you or a loved one suffers an injury as the result of someone’s negligent actions it seems logical that the person who caused the injury would offer to compensate you for your personal injury. It is widely believed by average Americans that most or all insurance companies who insure the defendant drivers will do the right thing and offer a fair settlement. However, the reality is that most defendants and their insurers refuse to take responsibility for their actions. In fact, it has become common-place for insurance companies to blame the victims for their own injuries.

Insurance companies profit exclusively from paying as little as possible to injury victims. Insurance companies and the defense attorneys they hire know the law and have almost unlimited assets to fight claims even if they are perfectly legitimate. Those companies know that most everyday Americans and unrepresented injury victims are not knowledgeable about the full extents of their legal remedy and redress available to them.

Hiring a competent personal injury lawyer will give you access to the help you need to find out your legal rights. Hiring a reputable personal injury law firm helps you establish your case, especially when hired early in the accident process. Competent personal injury lawyers are especially skilled in negotiating with the insurance company, and, if required, will take your case to a jury trial. While non-lawyers are able to negotiate with the insurance company themselves, doing so without a complete legal understanding of their rights puts them at a distinctive disadvantage with the insurance company.

All insurance companies have the same objective — to pay the lowest possible amount for valid claims. They will do anything within their power to sway the negotiations in their favor. They routinely take advantage of their superior understanding of the law over non-lawyers and use it to achieve the lowest possible settlement.

Experienced personal injury attorneys are invaluable in dealing with all types of insurance companies. They take into consideration all forms of insurance available to clients, including their own insurance.

For example many people do not realize they may have under-insured motorist coverage (UIM). UIM is often thought of as “gap” coverage for the difference between what the other driver has in insurance limits and for what you have for insurance limits. For example, if you purchase $100,000.00 in under insured motorist coverage and the other driver only has $25,000.00 in liability coverage your policy would pay up to an additional $75,000.00 in coverage for your injuries. However, that is not always the case. You have to read your policy very carefully to know exactly what you have and exactly how much coverage you actually have available.

During negotiations insurance companies routinely attempt to elicit statements through ambiguous questioning in an attempt to damage your position should you ultimately decide to sue. Experienced personal injury lawyers will guide you through the process and protect your rights.

Personal injury attorneys) are in the best position to obtain a favorable settlement on your behalf. Most often a client’s settlement or judgment obtained with representation significantly exceeds what could have obtained on their own, even after attorney fees are deducted.

David L. McCollum is a Kansas City personal injury attorney with the law firm of McCollum & Griggs, LLC in Kansas City, MO. McCollum & Grigg’s practice areas include catastrophic injuries, wrongful death, vehicle accidents, bar & restaurant liability, insurance litigation and drunk driving accidents.

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