Got hit in the rear of my truck at a stop light she hit me going 40.00 was at doctors and chiropractors for 7 month's and got release about 4 months ago and still have lot of pain and my neck and lower back have to take Advil most of the time the rate me at 5 %.
Most insurance companies use software to calculate the accepted type and of amount of treatment, out-of-packet expenses, and injuries to calculate, pre-suit, what a claim is worth. Soft tissue injuries have a very limited amount of value (generally no more than $5K). Demonstrable injuries, on the other hand, like causally-related herniations and fractures, are worth far more, especially if surgery is required.
You need a PI attorney if you have anything other than a soft tissue injury or are uncomfortable negotiating with car salespeople or claims adjusters. See my legal guide, "What Is My Injury Worth In Florida?"
I urge you to hire to hire a personal attorney who actually has insurance industry experience.
It would be impossible to value a claim based on these limited facts. It would be best for you to hire an injury attorney that handles car accidents to handle your case for you. I beleive that there are statistics which show that claims handled by attorneys generate higher settlement values. Also, you do not want to rush into a settlement until the full extent of your injuries is determined. Most attorneys will offer a free consult and handle your type of case on a contingency fee basis where you will not owe them anything unless they make a recovery, and then the fee would come out of the gross settlement amount. Remember, the insurance company representatives are experienced at negotiating injury claims and will try to settle for the least amount possible.
This is not a guessing game or a plug-and-play situation. I've settled similar cases for a few thousand dollars and got a $1.1 million verdict in Gainesville last year against Coca-Cola for what started as "soft tissue." There are a lot of factors, recoveries and the story to be told that determines value. Also, insurance companies will determine whether it is a person "making their own case," a mill's form letter or a detailed demand package that is the determining factor of an offer. And then is that offer suitable? Essentially, insurance carriers try to negotiate every dollar they can, because every $100 means millions in the end to the Board of Directors.
Even in soft tissue injuries, like what you describe, those tissues stretch and scar, or cause corresponding pressure on nerves in the spinal cord, leaving behind permanent problems for some. I have had clients need surgeries years later because of a bulging disk and have their entire world collapse for what seemed inconsequential at the time. Insurance companies want you to settle as soon as possible and treat as little as possible. Attorneys matter. They change their gameplan when a lawyer is involved. It seems like your injuries are more serious.
For that reason - and the misinformation by TV lawyers and referral services- is why people should consult lawyers who take the time like on sites like this. Because of the economy, more lawyers are jumping into personal injury and should stick to what they know. Personal injury law REQUIRED knowledge about medical science and biomechanics (the forces on a body in a wreck) far greater and more specific than you'd think. The other side has doctors and millions on their side to say nothing is wrong or fight the claim.
Folks often post questions on this forum asking what a fair settlement is for a personal injury matter. Unfortunately, no attorney is going to be able to give you a substantive answer without reviewing all of the circumstances, medical records, etc. You need to consult with a personal injury attorney to assist you. Personal injury attorneys typically handle cases on a contingency fee basis and give free consultations. Use the Find a Lawyer tab on Avvo to find one in your area. Best of luck to you...
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I agree with all the other attorney's The old adage is " One who represents himself has a fool for an attorney" goes for attorney's as well--you need an experienced attorney to review all your medical records and discuss many issues with you. Use the AVVO "Find a Lawyer" tool bar and use it to select an attorney with the experience necessary to give you confidence. Good Luck
Some clients get an offer from the insurance company and then find an attorney to take the case
and pay them on the difference.
The problem is that you can bless up your case with statements you make doing your own negotiation. i do have several attorney friends will take cases like this and they always get
more than what is offered to the injured.
Attorney Joe Pippen
20 Florida Offices
You should obtain needed medical care and treatment immediately and follow the doctor's advice. Do not give any statement to the adverse party or insurance company nor grant them access to any medical records. Photograph the injuries and the damage done to any property. Contact a personal injury attorney in your area as soon as possible so that you can protect your rights. You may also find it helpful to review the Legal Guides I have published on Avvo.com dealing with many of the issues you are now facing. The Guides can be accessed through my profile page on Avvo.com.
If this information has been helpful, please indicate below.
Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
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