Car accidents are one of the scariest things that can happen in a lifetime. We drive so often it is easy to believe that we are always safe on the road, and nothing bad can happen to us. Then all of a sudden, your entire life is turned upside down in the blink of an eye. Car crashes are not the only way you can find yourself suddenly injured either.
If you are lucky enough to walk away from the accident, it will be something that you will never forget. Unfortunately, most people who are involved in an auto accident, or other incident, are not so lucky. 43% of people who are drivers or passengers in a car crash are injured to some extent, and in the United States, there are a reported 4 auto accidents per minute. While Ely Nevada is a small town, accidents happen here all the time.
Knowing when you need an Ely personal injury lawyer can mean the difference of being buried in medical debt and being allowed to focus on your recovery, without the stress if having to fight with the insurance agencies. An Ely personal injury lawyer can ensure that your medical bills are paid, as well as ensure that you are compensated for any property damage that occurred during the accident.
But how do you know that you need to hire a lawyer when injured? Is it a good idea to hire one regardless of the circumstances? Here at Justice Law Center, its our goal to educate the people of Ely Nevada so that when they do come into our office, they come equipped with all of the facts.
Insurance Companies Employ Lawyers so They DON’T Have to Pay
There isn’t an insurance agency in the U.S. who is in business to help people. While their commercials are full of happy smiling cartoons and employees who make it seem like they are the good guys, every single insurance company is in business to make money, and not to help people who are injured in accidents.
Sure, the very term “insurance” makes you think is their purpose to “insure” that in case of an accident, you are financially protected. In reality the very purpose of insurance companies is, like most other for-profit organizations, to make a profit. If these insurance companies paid out every single claim in full, they would in turn make less money. This is why they find it better for the bottom line to employ attorneys whose sole purpose is to ensure that they only have to pay the claims that they absolutely have to pay.
When you are injured in an accident, often they will offer you an immediate payout that is far under the amount that is fair. This is a standard practice the insurance companies always enact with the hopes that you will take the very first offer so they can save money. There are circumstances where this is the whole amount of money that the particular plan can pay out due to the limited coverage of the plan. Then again, there are circumstances where this first offer is far below the maximum coverage of the plan. So, how do you know which is which?
Understanding Insurance Plan Payouts
When you are injured in an accident, the term “subrogation” will likely come up via a letter from the insurance company. This letter will ask for details regarding the accident, such as the names of the party that is responsible for the injury or auto accident. They will want to know if the incident was work related, and if you have retained an attorney. This letter will also likely have some language reminding you that the insurance agency has rights to a full reimbursement of all moneys paid by either settlement or jury verdict.
The purpose of subrogation allows your insurance agency to cover all initial emergency medical bills and other payments covered by the claim, and be re-imbursed by the responsible party, or the responsible party’s insurance.
Sometimes there will be State Laws that will prohibit subrogation. Nevada law however upholds an insurance company’s ability to include subrogation rights in their contacts. This allows your insurance agency to sue the responsible party to get back the money they paid to you to cover your medical bills and possible lost wages.
The ultimate amount of money you will get after being injured in an accident involves many factors. The most important factors that will influence the payout are:
· The amount of medical care and medical related expenses that occurred due to the accident.
· Income lost from your job due to not being able to work because of the accident.
· If there are any permanent disability or disfigurement that occurred.
· Whether there have been any social, family, or educational experiences that has been missed due to the accident.
· The amount of pain and suffering that has occurred. This includes emotional damages such as stress, depression, embarrassment, and any kind of social strains on relationships. Issues such as not being able to care for your children, or any kind of interference with sexual function will fall under this category.
· Damaged property.
When it comes to the math regarding damaged property and hospital and medical bills, it is easy to figure out how much you will get from an insurance payout. However, when it comes to the other criteria such as pain and suffering, or missed experiences with family and friends, calculating your payout becomes much more complex. Another issue that may limit the amount of money paid to you, is that either your insurance, or the insurance of the liable party has a “maximum coverage limit.”
It is for this reason that you will likely need an Ely personal injury lawyer because the lawyers employed by the responsible party’s insurance company will do everything in their power to devaluate your pain and suffering. Often, the insurance agency will just offer a small amount of money to cover pain and suffering and other damages with the hopes that you will just take the money.
What an Ely Personal Injury Lawyer Can Do for You
It is easy for someone who has been injured to be quick to take the very first pay-out offer from an insurance company. The physical and emotional trauma from an injury makes it difficult to really tell if the offer is fair or not. Most regular people do not understand just how much their pain and suffering is worth in a dollar amount. Nor do regular people understand the other factors that are supposed to be considered when calculating a personal injury payout.
Here at Just Law Center, our Ely personal injury lawyer is an expert at getting the very top dollar amount for your pain and suffering, as well as lost income, lost experiences and other damages. We have fought with all the insurance agencies to get what is fair and right for our clients for over 25 years and will fight for you. Don’t try to go it alone when it comes to a personal injury claim. Sometimes it is even necessary to go to trial in a lawsuit against the insurance agencies and our team of attorneys are always ready.
Call us today for a free initial consultation and get the help you need today.