Friday, 13 April 2012

When The Law Meets Healthcare: How to Hire a Personal Injury Lawyer

By David McCollum

When you or a loved one suffers an injury as the result of somebody else'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 assetts 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 an competent Kansas City personal injury lawyer, such as those at McCollum & Griggs, LLC, 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 smallest amount possible for valid, claims. They will do anything possible to sway the balance in their direction during settlement negotiations. They routinely take advantage of their greater knowledge of the law over non-lawyers and use it to accomplish the lowest possible settlement.

Experienced personal injury law firms are valuable in handling all types of insurance claims. They take into consideration all sorts of insurance policies available to their clients, including the client's own insurance.

Most people do not understand that they may have underinsured motorist coverage (UIM). UIM is often thought of as "gap" coverage for the amount of 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 underinsured motorist coverage and the defendant driver only has $25,000.00 in liability coverage your policy would pay up to an extra $75,000.00 in coverage for your injuries. That may not always the case. You have to read your policy carefully to know precisely what you have and exactly how much coverage you actually have available.

During discussions to negotiate insurance claims the insurers routinely attempt to acquire statements through confusing and vague questioning in an effort to harm your case should you ultimately decide to file suit. Experienced personal injury law firms, such as the Kansas City injury lawyers at McCollum & Griggs, LLC, will guide you through the procedure and help protect your rights.

A personal injury attorney's are skilled in obtaining favorable settlements on behalf of clients. Often a claimant's judgment or settlement gotten with representation will exceed greatly what could have been obtained on their own, even after lawyer fees are deducted. Contact the experienced Kansas City personal injury attorneys such as McCollum & Griggs, LLC for help with your personal injury case.

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