What is the most important thing to do after injury?
You must do what is necessary to improve your physical condition and to recover from your injury. To fulfill your obligations under the law, you should:
How should medical bills be paid?
In order to maximize your net recovery, you should use any other insurance you have access to including your own health insurance, medical payments insurance coverage from your own automobile policy, Medicare or Mainecare, and workers' compensation insurance if your injury occurred while you were on the job and the injury was caused by a third party.
Why won't the insurance company for the person or company who caused
the injuries automatically pay medical bills as they occur?
The insurance company for the person, persons or company who caused your injuries is not required to pay for your bills until the claim settles. They do not want to give an injured person an open checkbook to treat without limitation, thus increasing the exposure of their insured.
In some instances, we may also hire an investigator to follow up on the
details of the incident.
We will also maintain contact with you to make sure you:
When will the case settle?
Some cases settle in a matter of months after the incident while others can take years to get to settlement or trial. Settlement negotiations usually begin when you finish treatment for your injury. We will usually wait until a healthcare provider indicates you have reached maximum medical improvement before initiating settlement negotiations, because only then will we be able to evaluate properly the value of your case.
How does the settlement process work?
Once your lawyer determines that it is time to settle your case, he will evaluate it and send a demand letter to the insurer. The demand letter summarizes the important factors of your claim and requests a certain amount of money to settle this case. After the insurance carrier's claims adjuster receives the letter, he or she will obtain authority from a supervisor to begin negotiations.
While some cases resolve within a few weeks of the mailing of the demand letter, others take much longer. Sometimes insurers send your records out for review. Occasionally they ask that you submit to an examination by a doctor chosen by them, a request to which we may or may not agree depending upon the circumstances of your case. Unfortunately, if we cannot agree on the amount of compensation due, the case will proceed to alternative dispute resolution or to litigation.
Once the claim is settled, when does the client get the money?
Before you receive any money, a few things need to happen. First, the insurance company will require you (and your spouse if applicable) to sign a document that states that you are giving up your right to sue the party responsible for your injuries in exchange for receiving the agreed upon amount of money.
Then, upon receipt of the check, we will have to pay any medical bills that are still outstanding and may be required to reimburse some or all of any money that has been expended on your behalf by your health insurance carrier, automobile insurance carrier or any other party who paid for your medical bills resulting from your injury. When circumstances are appropriate, we negotiate reductions in the amounts owed.
Next, we will deduct attorneys' fees, actual out-of-pocket expenses, and other costs associated with the claim. After all deductions have been made for medical bills, liens, attorneys' fees, and costs, you will receive the balance in a check drawn from the firm's trust account.
After attorney’s fees, medical bills, liens, and costs, will there
be anything left?
In most cases there should be an acceptable sum of money left for you to compensate you for the damages you have suffered as a result of the accident. You must remember that the law allows you to be compensated for your damages. It does not provide that injured parties are entitled to get rich from insurance claims, especially in cases in which your injuries are relatively minor. However, you can be sure that we will do our very best to obtain fair and reasonable compensation for your claim regardless of the nature and extent of your injuries. It is important to us that every client is satisfied with the quality of our work.