5 weeks ago I fell and broke my shoulder at a friend's house. My medical insurance said I needed to go through their home owners. I called them to ask for their insurance company info and was hung up on by the homeowners. I tried explaining that I just to cover my medical and loss wages. Next I get a phone call from their insurance adjusterand met with him in November 5th. He taped my statement and I gave him My medical and job information. He told me that homeowners only had $500.00 liability for medical . I Told him I would not sign anything or settled until I knew the full extent of my medical cost. Insurance ajuster said he would be in touch with my employer about iinformation on my wagesand medical insurance plus Doctors. Almost month later receive inquiry from claims service.
Stop playing around with this yourself and immediately consult with an experienced PA personal injury attorney before you jeopardize whatever claims you might have.
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You cant trust insurance companies to act in your best interest. You need a lawyer to assist you. You are entitled to economic (out of pocket expenses such as medical and lost earnings) and non economic (pain and suffering ) damages. Get a lawyer!
You need a lawyer to help immediately, otherwise you will not get full value for your case - use the avvo find a lawyer feature. Best of luck.
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They are taking advantage of you. You need legal counsel. Call an experienced personal injury lawyer immediately for a free consultation. You did not say what exactly caused you to fall. It isn't enough that you might have stumbled or fallen over your own feet-the home owner would have to have been negligent in some way to be liable to you. The adjuster who took your recorded statement may be offering the premises medical coverage limit to you rather than the liability limit. In any case, you are out of your league and need to stop talking to the defendant's insurance company. Get a lawyer to review your case now and don't sign anything. Good luck-that is a bad inury. Make sure to photograph your injuries as they are healing including any bruising, cast, sling. It all may be important in pursuing a case if you have one.
Legal disclaimer: The statement above provided by Sandra Worthington, Esq. is general information and not intended to be a legal opinion because not all the facts are provided. The person requesting information and all others reading the answer should retain an attorney who is permitted by the state bar within the jurisdiction who can examine the complete facts and provide a legal opinion on your case. All information provided in the above answer and other information provided by Sandra Worthington, Esq. and Worthington Law Group does not create an attorney/client relationship within any state or under Federal law. Order your free PA Accident Book at www.WorthingtonLawGroup.com
No question about it. Contact a personal injury lawyer ASAP! But do keep in mind that most lawyers will not be interested in representing you unless they can determine that your injury was caused by someone other than yourself. A good lawyer will be able to help you make this determination relatively quickly.
You did not say how you broke your shoulder, such as from a defect or dangerous condition, but a local Warrington personal injury lawyer should be retained to investigate. Avvo has a great lawyer finder tool to locate an attorney close to your home. Good luck.
So far you have managed to do just about everything incorrectly. So, now would be the time to change that and call a local attorney to see if you have a case. Attorneys spend a lot of time getting people in your situation out of the problems they create for themselves. I don't know exactly how you fell. You failed to mention that which is the most important part of your discussion. The insurance company and homeowners don't owe you anything if they aren't liable. But, do yourself a favor, sit down with a good local PI attorney and discuss the facts with him/her before you do anything else to hurt your potential case.
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They are not going to take you seriously until an attorney contacts them on your behalf. You should not have given them any statements without an attorney present. If your shoulder was hurt, you have a right to be compensated for your pain and suffering, not just medical expenses and lost wages. In fact, if you have lost wages and your medical treatment is ongoing, that tells me that your damages are fairly significant.
First, I'm sorry to hear about your accident. That said, it's essential that you immediately speak with a lawyer who has experience handling personal injury claims against homeowner's insurance policies. The insurance company does not want what's best for you (or even for your friend, the property owner), but instead what's best for the company's bottom line. Allowing the insurance adjuster to record your statement was probably not in your best interests, either, but it is a common mistake that people make when they don't have attorneys to guide them. The adjuster will likely try to twist the things you said in this recorded statement to minimize the value of your claim, which is why you need a lawyer to fight for you. Good luck!
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