Mark,
I'm an attorney that deals with plaintiff's auto accident personal
injury cases. I worked for the Law Office of James S. Nickelsporn (n/k/
a Nickelsporn & Lundin) for three years and all we did was auto
accident cases at the time. Our goal was to sign up one new case a day
and handle at least 360 cases a year. When I left that firm, I went to
a firm that represented the opposite side of it, the insurance
company, and was involved in almost every aspect on the insurance
defense side from small subrogation claims to a $10 million claim
against a car dealership. I worked there for 3 years before deciding
to go it on my own. Granted, while working at that firm I also did
litigation work on construction issues (e.g., phase III of the
buildout on FedEx Field (f/k/a Jack Kent Cooke Stadium)), legal
malpractice issues, and accounting malpractice issues. Since starting
my own practice almost 8 years ago, I have branched out into the small
business consulting and tax preparation field since I am a CPA also,
but I still take personal injury cases.
I'm licensed to practice law in MD and DC. I'm assuming that this
accident occurred in DC.
The first thing you want to make sure you do not do is to give the
opposing insurance company a recorded statement. There is no
contractual obligation to do so and a lot of plaintiffs shoot
themselves in the foot by giving a recorded statement without
thoroughly preparing for it. In fact, if you can have somebody else
contact the insurance company on your behalf to get the claim started,
you will be better off. Of course, the insurance company will not want
to settle the claim with you without getting your side of the
incident, but you do not have to let them record it. Next, do not sign
any paper work that the insurance company sends you and do not cash
any "property settlement" check that the insurance company sends you
without thoroughly looking it over. Sometimes, those checks have "in
settlement of all claims" written on them and if you cash such a check
thinking it is only for property damage, you are SOL on the personal
injury side. Most insurance companies will want to settle the property
damage side of it first, and then address the personal injury side
afterward. DO NOT settle the personal injury side of it before you
feel 100% health wise or the doctors have advised you that you have a
permanent injury that will never resolve. Granted, it doesn't sound
like you will have a permanency, but I'm just trying to cover every
aspect of this thing in a post on a chatboard. Ultimately, make sure
you treat and that you can show continuous treatment for your
injuries. Make sure you tell the doctors how this happened and make
sure you tell them about EVERYTHING that is bothering you. If it isn't
in the medical records, it wasn't an issue as far as the insurance
companies are concerned. Make sure you take pictures of the broken
bike and the scene of the accident. I usually do this stuff for my
clients. Hard to take pictures of property damage after the bike has
been thrown away, and sometimes roads can undergo construction between
the date of the accident and the trial date, so it makes it a little
harder to explain to the judge/jury exactly how the accident occurred.
Take pictures of the stitches and facial swelling. This should have
been done as soon as you got out of the ER, but later is better than
never.
Well, that is the chatboard version of how to handle the beginning of
a personal injury claim. It is a little tough to put everything into a
paragraph or two (e.g., do you have health insurance, did you miss
work, did you check your auto accident policy to see if it has MedPay
or PIP that might cover some of the medical bills and lost time from
work).
Should you have any questions, please do not hesitate to contact me.
Very truly yours,
Fabrizio Roman
(301)528-6609
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