There are many questions that will arise after an accident regarding medical treatment, deductibles, police reports, insurance policies, insurance coverage, claims representatives and much, much more!!! Get the advice you need from an aggressive firm that is dedicated to protecting you before it is too late.

I just had an accident. Should I talk to the insurance company?

NO! Insurance companies have systems in place to get information from you immediately after an accident that seems harmless but could be used against you at a later time. Get an attorney that knows their systems and will protect your rights.

I just had an accident. Should I give a recorded statement?

NO! Insurance companies will use that recorded statement to get information from you immediately after an accident that seems harmless but could be used against you at a later time. You should never give a recorded statement without having the benefit of counsel. Get an attorney that knows their systems and will protect your rights.

The insurance company wants to offer me a settlement. Should I negotiate with them directly?

NO! Insurance companies will often make a small offer just after an injury has taken place in order to get a Release (a legal promise not to bring a claim or file suit) from an injured person or their family. These offers are almost always too low and often are made before an injury has completely resolved. Once a injury Release is signed by a person, the insurance company will have NO further obligation to reimburse you for medical expenses, lost wages, and/or pain and suffering. They likely have no way of knowing for certain what your medical bills really are or what they ultimately could amount too. Once a Release is signed and more medical bills are incurred, the insurance company will probably tell you that you should have gotten a lawyer. Get one now...before its too late.

The insurance company claims representative seems to be interested in resolving my case without the necessity of an attorney getting involved. Should I let them handle it for me?

NO! A claims representative from an insurance carrier is an employee of the company that is responsible for paying you compensation. Common sense dictates that a claims representative will be loyal to their employer. Often times an insurance company would want to avoid an injured person obtaining an attorney in order to avoid having to pay additional money. In order to get the settlement you deserve, it is important to have an advocate fighting for you.

Should I use my personal injury protection (PIP or No Fault) to pay for my medical bills and lost wages?

Yes! Some insurance agents don't want you to use the "no fault" portion of your insurance because it affects their bottom line. You have paid for the insurance, and you should use it. Also, some health insurers will not pay for your medical treatment when you have been injured in a car accident until the "no fault" portion of your policy has been exhausted. There are many layers of insurance that can be involved, and some insurance requirements have time limits. Get the advice you need from a competent attorney before it is too late.

Do I have to take my car to the insurance company's body shop for repairs?

NO! In most cases, the insurance company is responsible for the repairs no matter which body shop does the work. Of course, this only applies to legitimate licensed body shops. Make sure you contact an attorney that is willing to assist you in answering questions about the claims process prior to beginning any repairs.

Do I have to take my car to the insurance company, or should they come to me?

In most cases, the insurance company is obligated to come to you although they are not likely to share that fact with you. Even though you only intend on discussing repairs, contact an attorney before you talk to the insurance company.

My car was not properly repaired. What do I do now?

Contact an attorney. It may not be too late for you to get the assistance you need. Of course, it is always easier to prevent a problem then to fix one. Next time, get the representation you need before your problems get out of hand.