What the Insurance Companies Don’t Want You to Know

When you purchase insurance for your car, in theory, the insurance company is there to help you as the policyholder if you get into an accident. If you are involved in a car accident or sustain a serious injury while driving, then you will need to file a claim with an insurance company in the hope of receiving compensation for any medical expenses you have incurred, loss of income due to not being able to work while you recover from the injuries, and pain and suffering.

Unfortunately, the truth is that insurance companies are more interested in making a profit than they are in helping you. For that reason, there are quite a few things that your insurance company doesn’t want you to know. If you were aware, then you’d be standing in the way of them making money!

So, what are some of the things that insurance companies would rather be kept a secret? Read on to find out more.

 

What You Say Can be Used Against You

After a car accident, your insurance company may ask you to provide a recorded statement addressing what happened and the damage that was done. However, you are under no legal obligation to do this, and it is recommended that you don’t unless you’re doing it with a personal injury or car accident attorney who can help you make sure that you are describing the accident in a way that does not incriminate yourself. In fact, even casual remarks that you make while talking with claims adjusters can be taken as formal statements – especially if you are speculating about whether or not the accident was your fault or describing your injuries. Because of this, it’s important to only stick to the basics when talking about your claim and consult a car accident attorney before giving any statements.

 

Insurance Adjusters are Great At Negotiating

After a car accident, you might simply want to get your money and move on with your life – and the claims adjuster will know this. They might pressure you to accept a settlement offer or even give you a deadline, telling you that you only have a few hours to accept or that this is the best offer that they can come up with. However, it’s best to avoid falling for these tactics and don’t accept the first offer you are given. If you are not confident when it comes to your negotiation skills to get a better offer, you have the right to seek outside counsel and hire a car accident lawyer to negotiate on your behalf.

 

Adjusters Might be Lying to You

Don’t assume that your insurance adjuster is always being truthful with you when it comes to talking about your claim. For example, they might use information that they know about you, such as existing health conditions to tell you that you are not going to be able to make a claim for the injuries you have suffered in the car accident. However, this is not always the truth. There are lots of things that insurance adjusters might say to you in the hope that you don’t know any better and to see if they can get away with it, which is why it’s always best to have an attorney liaise with them on your behalf.  Insurance adjusters are sales people. They want to sell your claim for the lowest price possible.

 

Claims Adjusters are There to Make Money

We’d all like to believe that the insurance company is there to help us. However, the truth is that most of them have the main goal of simply making money for the company. While the claims adjuster might seem like a nice and helpful person while you are speaking to them, their main job is to try and reduce your claim as much as possible, or even try to have it completely denied. Bear in mind that the insurance company does not make any money from helping you, and the claims adjuster works for them.

 

They Hire Doctors to Find Pre-Existing Injuries and Minimize Your Claim

If you allow your insurance company access to your medical records when you sign an authorization form, then they are going to use this to find as much information as possible to minimize your claim. To do this, they will often hire doctors who are there to look through your medical records to try and find any records of a pre-existing condition or injury that they can use to throw doubt on your claim. They might then use this to claim that your injury is not as severe as you say it is. Even if your own doctor is backing you up, the insurance company will hire their own doctors to try and contradict this.

 

They Don’t Want You to Hire a Lawyer

If you have been involved in a car accident, then the first thing you should do is hire a personal injury lawyer. However, your insurance company might want to try to convince you from doing this. They might tell you that hiring a lawyer isn’t worth the cost or that having an attorney is unlikely to help you get a better offer. In most cases, they are hoping that you don’t hire a lawyer so that they are less likely to have to pay out a decent settlement for your case, hoping that without legal counsel you may agree to a seriously low-ball offer just to get it over and done with. Don’t fall for it! Hire an experience personal injury attorney.

 

You Can Sue Insurance Companies for Unethical Practices

Any practices that act against the best interests of the policyholder are considered to be unethical insurance practices. Insurance companies should always act in accordance with accountability laws, but some assume you won’t know about them. A good lawyer will help ensure that your insurance company is held accountable if they act in a way that is against your best interests.

If you’ve been involved in a car accident, Karns & Karns Personal Injury & Accident Attorneys can help you make sure that you’re not falling foul of these insurance company practices. We can liaise with the insurance company on your behalf. Get in touch today for a free consultation and to find out more. Call Karns & Karns Personal Injury & Accident Attorneys now at 877-557-4221.

What is the Settlement Procedure for Auto Accidents?

auto accident lawyers

Vehicular accidents are events that all drivers dread to happen no matter how careful they are and drive defensively. When you are involved in this kind of accident because of another driver’s negligence, you have to ensure you can get all the compensation for the damage. This may cover your medical bills, the income you will lose as you are unable to work, and the recovery period because of the personal injury.

As much as you want to get through this as quickly as possible, an auto accident may be a long and arduous process and you need to get help from the best auto accident lawyers. There are cases where amicable settlements from both parties are not achieved so you should be prepared to go through the process.

But what will the process be? How to make sure you’ll get the appropriate settlement for someone’s negligence?

DOCUMENTS FOR YOUR CLAIM

Ensure you have all the documents ready and completed to support your claim. The insurance adjuster will review all the evidence to process the claim and best to have them available once they ask for it.

1. Photos of the accident scene with your car and the other driver’s car.
2. Official police report of the accident.
3. Testimonies of the witnesses.
4. Medical records (diagnosis, findings, receipts from the hospital and pharmacy) resulting from the accident.
5. Statement from the other driver.
6. Place where the accident took place.

EXPERTS IN CAR ACCIDENTS

If the case goes to court, experts that support your claim will be needed. Their experience and knowledge will play a major role in the proceedings.

  • Your Doctor to learn about more of your injuries, intervention, and prognosis
  • An Engineer
  • Reconstruction Specialist who may recreate how the accident occurred

Insurance Policies Review

Many people don’t read what’s written in insurance coverages, including the fine print that everyone ignores. All these will matter in your claims and auto accident injury lawyers are the best people who can assist you and ensure that everything will be reviewed and covered.

There may be technical terms and jargon which may cause confusion or misunderstanding. Also, you will be advised if the settlement offered is just and fair or if there is more that you should be getting. They will negotiate for you and will fight with your best interest in mind. In case it escalates to a lawsuit, you have everything covered from the beginning.

PRE-LAWSUIT SETTLEMENT

It will be awesome if you and the negligent driver settle this out of court. This means that during discussions and negotiations, both parties agree on an amicable settlement.

However, you don’t have to wait for a case to be filed. Auto accident lawyers will represent you in all communication and guide and update you on the status and development of the case.

FILING A LAWSUIT

In case no settlement was achieved, the next step is to file a lawsuit. These cases may be settled without a hearing. Your lawyer will work on the strategy to go about it and will negotiate with the insurance provider of the negligent driver.

COURT PROCEEDINGS

If all negotiations fail, your lawyer will advise you to present the case in court. You may need to appear in these proceedings with a lawyer. They will prepare you and set expectations on how your case will be presented. All other documents will be prepared for you by the firm, evidence will be presented, and witnesses/experts may be called to a stand.

Continuous communication and negotiation even if the court hearing started. This is a good scenario, as all parties would like to lessen expenses, as it will be more costly to do so in court.

HIRE KARNS & KARNS AND GET THE HELP YOU NEED NOW

Remember, you are the aggrieved party, and you need to secure everything that you can by having the best lawyer to help and assist you. Being involved in a car crash does not only impact you economically. The physical injury, emotional and mental pain, and suffering and your inability to do the things that you usually do and would want to do will take a toll on the victim and family. Your time is precious, and you cannot let this be stolen from you. Call Karns & Karns Injury & Accident Attorneys now at 877-557-4221, and they will take care of you.

Process of a Personal Injury Claim in Nevada

When you are involved in an accident or another personal injury incident that has left you injured and in pain, it’s advisable to start the process of filing a personal injury claim as soon as possible. A Nevada personal injury lawyer is often the first lawyer that many people will hire. Along with this, a personal injury claim might be the first time that you have had to deal with an insurance adjuster or have to navigate the personal injury laws in Nevada.

The good news is that if you have been injured, then you don’t have to go through the claims process on your own. Working with one of the experienced personal injury lawyers at Karns & Karns Personal Injury & Accident Attorneys, you can have legal representation on your side to handle all the aspects of the claims process and communication with insurance companies so that you can better focus on getting your life back on track after the accident.

 

Personal Injury Claim Process in Nevada – What Steps Are Involved?

Typically, a personal injury claim will go through a certain process. In Nevada, the steps throughout the process of your personal injury claim will usually be the same in any area. Having a good understanding of the basics and the process that your personal injury case will go through can help the entire experience be a less stressful one for you and provide you with more information on what you can do to increase your chance of receiving a fair settlement offer.

 

Hire a Personal Injury Lawyer

The first recommended step in the process of filing your personal injury claim is to hire a good personal injury attorney with experience handling cases like yours. At Karns & Karns Personal Injury & Accident Attorneys, our experienced lawyers who are well-versed in all types of personal injury cases. Whether you have been involved in a slip and fall accident, an accident in an Uber, a car accident, a motorcycle accident, or some other accident, we have the skill and knowhow to handle any type of personal injury case.

You may want to do some research before finding the best personal injury attorney for you. You can use the State Bar of Nevada website to find out more about certain lawyers and research their disciplinary history. Be sure to read reviews and find out more about what other clients have to say about the lawyer.

Once you have some potential attorneys, come up with some questions that you can ask them. For example, you may want to know more about their record of settling cases vs going to trial, whether they have any special certifications that could help your case, what their experience is with handling cases like yours, how much they think your claim is worth, if they see any potential problems with the case, and how you will be expected to communicate with them and their team.

 

Investigation

The next stage in the process is an investigation into the accident and injury, which will be conducted by your personal injury lawyer to help determine how you were injured. In Nevada, the person who files the claim also has the burden of proving that the injury was caused by the other party. You will need to prove that there was a legal duty of care that was breached, causing the injury in question. You will also need to prove any damages you have suffered as a result.

Your lawyer will gather evidence to prove fault and causation and establish the liability for your damages. Experts witnesses and other professionals may be hired to assist with this. Evidence can include photos and videos, accident reports, medical records, and expert opinions. Your employment records may also be used, along with the testimony of any witnesses to the accident.

 

Settlement Demand and Negotiations

Your lawyer will prepare a settlement demand letter to send to the defendant’s insurance company. This should include a description of how the accident or injury happened, the legal basis for why the other party is being held liable for your damages, a description of the injuries and damages you have suffered, and a demand for a specific compensation amount to settle the claim.

The insurance company can then either accept or decline the offer. In most cases, you can expect them to issue a counteroffer for less. This will then begin a back-and-forth negotiation process until both parties reach a settlement that they agree on.

 

Trial

If a settlement cannot be agreed upon, then your personal injury case may need to go to trial. In most cases, the trial will last a few days, and usually no longer than one week. The evidence will be presented in front of a jury, who will then deliberate and determine whether or not the other party is liable and if you are to be awarded compensation for your injury and damages.

 

Damages in a Personal Injury Case

A good Nevada personal injury lawyer will pursue all damages that are available for your case. This is one reason why hiring an attorney is always advised, as representing yourself could mean that you receive less than your claim is worth if you’re not aware of all the damages you are entitled to. In general, most victims can receive compensation for economic damages, which include medical bills, out-of-pocket expenses, personal care, physical therapy, nursing care, loss of income, and diminished earning potential. Along with this, victims may also be eligible for compensation for non-economic damages or pain and suffering, which could include emotional distress, mental health, physical discomfort, scarring and disfigurement, loss of quality of life or enjoyment of life, and disabilities and impairments.

If you have been injured in an accident through no fault of your own, here at Karns & Karns Personal Injury & Accident Attorneys, we are here to help you get the process of a Nevada personal injury claim to recover compensation started as soon as possible. Get in touch today for a free consultation. Call us today at 877-557-4221.

Los Angeles Rideshare Accident Lawyer

rideshare of uber & lyft

If you’ve been in a rideshare accident, you may feel confused about what next steps to take. What should you do after a rideshare accident? How do you figure out who’s at fault and who’s paying for the damages? And how long do you have to file a claim in Los Angeles?

We at Karns & Karns Personal Injury and Accident Attorneys are highly experienced in personal injury law, including car and rideshare accidents, and we may be able to give you the guidance you need. Allow us to break down everything you need to know about rideshare accidents in Los Angeles.

How Do You Calculate Fault After a Los Angeles Rideshare Accident?

In California, including Los Angeles, fault in a personal injury accident is calculated on pure comparative negligence. This means that in a rideshare accident, multiple parties might be at fault and responsible for paying damages.

In general, fault is calculated in percentages as determined by legal representatives and insurance companies. In order to calculate the damages a particular party is responsible for, you multiply their percentage by the total amount of damages.

If the driver of a rideshare vehicle is driving while texting and rear-ends the vehicle of a driver who is rubbernecking, both parties maybe at fault. Maybe the rideshare driver is considered 60% at fault, and the rubbernecking driver is responsible for 40% of the damages. If the total amount of damages is calculated to be two million dollars, the rideshare company and driver may be responsible for $1.2 million in damages.

Who Pays for Damages in a Los Angeles Rideshare Accident?

At-fault parties will need to pay the damages for a rideshare accident. In a typical car accident, these damages may be paid for by insurance companies. However, in rideshare accidents, the rideshare company itself may be held liable depending on the damages. Whether or not the rideshare company is responsible may also be determined by the driver’s status within the phone application used to manage the ride. This may include the Uber or Lyft apps, for example.

In a case where the rideshare driver does not have the application active on their device, they will likely be responsible for paying all of the damages out of their individual insurance or their own pocket. This is similar to being off the clock, as employers are typically not liable for accidents that occur while employees are off company property and not working.

However, in the case the rideshare driver has the app running and is waiting for work, the rideshare company will generally be held liable to a certain extent. In this case, Uber or Lyft will generally pay for up to $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

Suppose a rideshare driver is en route to pick up a rider or is on the way to a rider’s final destination. In that case, rideshare companies will often offer even more coverage: up to one million dollars. However, in some cases, rideshare drivers may be required to use their own collision insurance to pay for damages.

What is the Statute of Limitations for a Los Angeles Rideshare Accident?

In California, the statute of limitations for most personal injury claims is two years. A personal injury accident generally includes any accident where at least one party has been injured, and this may include your rideshare accident case.

What Can a Los Angeles Rideshare Lawyer Do for You?

If you’re considering taking legal action following your Los Angeles rideshare accident, you may want to hire a lawyer to assist you in your case. Your lawyer may be able to help you throughout the entirety of the legal process in many ways.

Referrals and Resources

Many lawyers may be able to offer suggestions for medical care facilities to visit, as well as, supply you with extra resources that might be helpful to your recovery. We strongly recommend visiting a medical professional following your accident if there is any chance you may have been injured.

Collect and Analyze Evidence

Your lawyer may also be able to assist with collecting and analyzing evidence for your case. This may include getting into contact with potential witnesses for statements, as well as, footage of the accident from nearby traffic cameras or private businesses.

Legal Knowledge

Your lawyer, especially if they are familiar with personal injury law and rideshare accidents, likely has the legal knowledge to aid you through your case. This may be useful in constructing arguments and analyzing evidence.

Adept Negotiation Skills

Lawyers are often considered to be adept negotiators. Your lawyer may be able to use their skills to lower your fault or increase your compensation, especially during settlement negotiations.

Maximize Potential Compensation

Your lawyer may be able to maximize the compensation you’re entitled to because of their unique situation. The combination of legal knowledge, negotiation skills, and understanding of your side of the story may assist them in effectively negotiating, decreasing your fault and obtaining the most compensation for you as possible.

Tailored Next Steps

Depending on the specifics of your case, your lawyer may be able to assist you further. You may be asked to avoid discussing your case, stay off of social media, or seek medical attention, for example.

Get the Help You Deserve From a Los Angeles Rideshare Accident Lawyer at Karns & Karns Personal Injury and Accident Attorneys

We at Karns & Karns Personal Injury and Accident Attorneys know how stressful a rideshare accident may feel, but we dedicate ourselves to fighting for our clients and maximizing their compensation. Our legal team is compassionate and confident, allowing our clients to feel supported each step of the way.

We only accept payment for our personal injury cases on a contingency fee basis which means you don’t pay us, until you get paid, and we’re available to schedule a free consultation any time. If you think we may be able to help you, feel free to contact us by calling 877-557-4221.