Questions for a Legal Assistant

Every day at my job, I get a huge amount of questions that we answer all the time.  We get calls from confused and concerned accident victims or their family members.  The after accident process is long, drawn out and full of paperwork.  The questions we receive can be complex, but we deal with them every day and we have experience dealing with all varieties of circumstances.  If you are involved in an automobile crash today, do you know what needs to be done? (Don’t worry, we can help you with any of these questions.)

Do you know how to handle a property damage claim?

  • Do you need the incident report?
  • Why are photographs of your vehicle damage important?
  • Do you know how to report an automobile claim to the insurance company?
  • Was your vehicle totaled?
  • Are you entitled to a rental vehicle?
  • Do you know how much your vehicle is really worth?
  • Do you know what a CCC Report is?
  • Do you know what loss of use means?
  • Do you have GAP Insurance and do you know how to make a claim?
  • Do you have to accept the amount provided to you by the insurance company?
  • Are you responsible for the towing and storage costs if you decide not accept the amount the insurance company is offering?

If you are injured, do you know what to do?

  • Do you need the incident report?
  • Why are photographs of your injuries important?
  • Do you know how to report an automobile injury claim, and do you report the claim to your insurance company or the at-fault driver’s insurance company?
  • How do you find the name of the insurance company of the at-fault driver?
  • Do you know how much insurance the at-fault driver had at the time of the incident?  Do you know how to obtain that information?
  • Were you a passenger and does the driver have medical payments coverage under the car’s insurance policy?
  • Do you have medical payments coverage under your own insurance company’s policy?
  • Should you provide a statement to your insurance company?
  • Should you provide a statement to the other person’s insurance company?
  • How can you prove to the insurance company that you have been injured?
  • Do you know what a HIPAA Release means and should you provide any insurance company with one?
  • How do you request your own medical records and billing?
  • Why do you have to pay for the copying of your medical records and medical billing information?
  • Do you have health insurance that will be paying on your medical bills?
  • What do you do if your health insurance company does not pay on your medical bills?
  • What do you do to keep your bills from being turned over to a collection agency if not paid in full by other means?
  • Should you make payments (if possible) toward your medical expenses?
  • Do the medical records and medical billing only contain information related to your automobile crash or do they have unrelated personal information that you prefer not to share?  
  • Will there be a medical payment subrogation owed to your automobile insurance company?
  • If you were a passenger, will there be a medical payment subrogation owed to the insurance company of the person you were riding with?
  • Did your health insurance company make payments related to the crash and will you owe your health insurance anything in return?
  • If your health insurance does have a subrogation, can you negotiate the amoun they are to receive back?
  • If you have outstanding medical bills, can you negotiate with the medical providers for a lesser amount?
  • What happens if your injuries exceed the at-fault person’s policy limit?  Do you know how to proceed from there?
  • If you have finalized your treatment, do you know what your personal injury claim is worth?

The above questions are just a few of the questions that I deal with daily.  We will help you with any of these or other questions you may have.  The process of settling an injury case can be very stressful.   I can assure you that if you try and handle a personal injury case on your own, you will either pull your hair out by the roots or end up so frustrated that you “just settle” your injury case (for a lesser value) because you just want the whole mess to go away.   This is exactly what the insurance company wants you to do.

A personal injury firm has experience dealing with insurance companies, and all the issues listed here.  More importantly, the attorneys and staff already knows what “tactics” the insurance company will use to “de-value” your injury claim.  Unless you have experience dealing with the personal injury law, you will find that it is absolutely necessary to hire a personal injury attorney.  If you or a family member has been injured through no fault of your own, I invite you to call us at The Miley Legal Group. 

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