1. Insurance companies do not pay money willingly. The insurance company can be expected to thoroughly investigate the facts of the accident, the claim for medical treatment, and any past injuries or claims. The insurance company will obtain copies of all past medical records.
2. It will help your case to tell us about any prior injury or prior pain to any parts of your body. Many good cases are lost by the injured person concealing or forgetting about a previous injury.
3. You should be sure to furnish us with the names and addresses of all doctors who have treated you in regard to your personal injury accident along with all medical bills, including prescriptions.
4. If you have not already done so, please provide our office with the name and address of our employer.
5. If you have not already done so, please provide to our office the face page(s) of any health insurance or automobile insurance policies that you have, or if you are covered on parents’ policies, the face page(s) of such policies. Insurance companies keep a record of any and all claims against any insurance company. The insurance company is sure to find out if you have ever made a grievous claim.
7. Tell your local doctor about all of your complaints. The doctor’s records can only be as complete as what you have told him. Keep me informed of anything that in any way might affect your case. Certainly nothing should be signed without first consulting me. Applications for insurance benefits, reports to the State, any change in doctors, returning to work, any change in treatment or when you are discharged from treatment, should be reported to my office promptly.
9. Keep our office advised of any residence changes, telephone number changes, etc. or vacation or other times when you will not be available.
10. Communication: Once you have retained this office to represent you in regard to your personal injury accident, we request that you do not communicate with the other driver or his/her insurance company, except in regard to the property damage to your vehicle, and not in regard to your personal injuries. Instruct them to contact this office. You may communicate with your insurance company and answer any questions they may ask of you.
11. Property Damage to Your Vehicle: It is not the policy of this office to become involved in the property damage portion of your personal injury accident. This is usually handled by you and your insurance company, or you and the other driver’s insurance company. However, if you wish to obtain two estimates on your car, we will send the estimates to the insurance company for the property damage and this office will receive one-third of the amount recovered, or you may take care of the property damage yourself and keep all of the monies recovered.
12. Medical Bills: Insurance information should be provided to treating doctors, hospitals, etc., in the following sequence:
a. Personal health insurance, i.e., group, Kaiser, etc., or, if you do not have personal insurance:
b. Car insurance, if you have medical pay provisions in your policy.
If you have both personal health insurance and medical pay provisions in your car insurance policy, you will provide to your doctor(s), hospital(s), etc., your personal health insurance information only. Then, if you wish, upon presenting your medical bills to this office, we will forward them to your car insurance company for payment pursuant to the medical provisions of your policy. Upon receipt of your insurance company’s draft, we will forward it to you for use in either paying medical bills or for your personal use.
REMEMBER: You are ultimately responsible for all unpaid medical bills and this office is responsible only for payment of any lien billings which have been sent to this office and are to be paid at the time of your settlement.
If you do not have personal health insurance, and do have medical pay provisions in your car insurance policy, then, of course, you will provide the doctors, etc., with that information so that your bills can be paid up to the amount of the provision of your car policy.
13. Costs/loans/advances: This office will advance costs for court filing fees, investigations, depositions, etc., in regard to your personal injury case. However, this office WILL NOT make any personal advances or loans prior to settlement of your case as it is unethical and against the State Bar Rules to do so.
14. Settlement: It sometimes takes many months to settle a claim. In fact, it is dangerous to settle certain types of claims too soon because it often takes a long time for serious injuries to become evident. At the time of your settlement a breakdown will be made and the attorney’s fees will be deducted from the gross amount, then liens and costs will be deducted, giving the net total to you.
We look forward to assisting you in any way possible, and obtaining for you an equitable settlement of your personal injury case.