A severe, incapacitating personal injury leaves a victim with pain, suffering, and life transforming problems. If you or a loved one have suffered from such an injury, words are unlikely able to describe the horror of such an event. Problems resulting from personal injury may include physical difficulties, emotional stresses and financial losses. In addition, it may not be possible to make a living at a time when bills are increasing and income is decreasing.
If the personal injury or disability happened because of the carelessness, negligence, recklessness, the poor judgment, or the like of another individual, a business, group, or the like, that party may be responsible for your damages. Damages most often include medical expenses, lost income, pain and suffering.
People who are injured, disabled or harmed because of another's action may find it difficult to navigate the often complex, confusing legal maze to file an insurance claim for financial compensation. In many cases, the responsible party has insurance insurance which will pay to compensate a victim. Unfortunately, some insurance companies make it difficult for injury victims to receive sufficient, reasonable compensation. These insurance companies always have lawyers advocating for the insurance company's needs. Of course, the the insurance company, like any business, profits more when it pays less. Your claim is a cost to the insurance company.
While you may believe your injuries are obvious, and many are, the insurance companies and their attorneys usually make efforts to find reasons to minimize what they will pay for your injury. They may even try to deny your claim completely. An attorney who has experience in personal injury matters either will know how much your claim is worth or will be able to hire experts who will determine your case's value. In either case, your attorney should advocate for you to receive the very maximum amount your case is worth. Your attorney should be prepared to take a case into court should the insurance company's offer of settlement be too low. Of course, ultimately it is always the clients decision whether to settle a case or pursue the matter in court.
Always keep in mind that all states have a time limit in which injuries claims must be filed called a "statute of limitations". A statute of limitations is a deadline for taking legal action and it cannot be missed without grave consequences. If you do not start a legal action within the statute of limitations period, the opportunity to file a law suit or collect damages, etc. will be and is lost forever.
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