Many attorneys advertise that unless you have a serious personal injury, you need not bother them.
My attitude is that MY personal injuries are always serious. And I treat my clients like I would like to be treated. Therefore, your personal injuries are my serious personal injuries.
Unfortunately, all insurance companies exist for one reason: profits. Insurance companies cannot pay claims and make profits, so wherever they can avoid paying a claim, they will. The garden-variety city streets crash that happens daily is the first place the insurance companies look to cut paying claims.
So, you are rear-ended at a stop sign; or hit by a driver who didn’t see you and pulled into the side of your car; or any number of other possible crash scenarios, which lead to an ambulance ride and you in an emergency room. You are shaken up with neck, head or shoulder pain, but nothing life-threatening. The E.R. takes x-rays, gives you pain killers, and sends you home. It is the next day that you cannot get out of bed and go to work and it is necessary to embark on a course of physical therapy or chiropractic treatment.
The last thing you need is to deal with someone from the insurance company asking you if you had any neck pains before. What does that matter? It matters to the insurance company because they will discount your treatment from this incident due to your “pre-existing condition.” In the end, you suffer through $6,000 worth of medical bills and treatment, hire a lawyer to deal with the insurance company, and then cringe when the insurance company offers $7,000 to settle your case.
The insurance companies do this because they can get away with it. The law firm of Timmons, Owen, Jansen & Tichy fight to maximize client’s recoveries and make insurance companies pay fair settlements.
