31 Quick Tips for Handling your own Oregon Car Accident Case
This list was originally created by Ben Glass, a personal injury attorney in Northern Virginia. It a little tongue in cheek, but it’s does a great job of highlighting the steps that an attorney goes thru in preparing your case.
1. Secure the correct identity of the person who hit you, as well as the proper name of their employer if they were working for someone else.
2. Get the full information of any independent witnesses to the accident.
3. Secure the name of the defendant’s insurance company.
4. Determine whether the defendant had any other insurance available for the accident.
5. Contact defendant’s insurance company.
6. Get pictures of the vehicles and your injuries
7. Find out how much insurance the bad guy actually carried. If he is one of those schmucks that carried $100,000 of coverage or less, see how much coverage your agent sold you that will protect you. (If your agent sold you less than $100,000 of coverage, and never advised you to buy more, call them up and yell.
8. Go back and get some pictures of the accident scene as well—the police who investigated the accident may have taken some, call them and see if they’ll send you a set.
9. Make a decision as to whether you will voluntarily submit to a recorded statement requested by the bad guy’s insurance company, without your lawyer being present
10. For kicks, ask the insurance company if you can take a recorded statement from their guy.
11. Decide whether you will allow the bad guy’s insurance company to have broad, open-ended medical releases that will allow history for some unlimited time period.
12. Depending on your injuries, track down your own medical records for the last 10 years or so and read them before the bad guy’s insurance company gets them and reads them.
13. Figure out which of your insurance companies (your own car insurance or your health insurance or both!) should pay your doctors so that you don’t get sued for non-payment while the bad guy’s insurance company is deciding whether and when to compensate you for your injuries.
14. Figure out exactly how much of your medical bills your own car insurance company might pay (since you’ve likely been paying them a premium for that coverage all these years).
15. If Medicare or some other government entity paid your medical bills, contact them and get the information as to who they paid and how much and,using their formula, you if you get a recovery.
16. Attend bad guy’s court appearance.
17. If the person who hit you was working for a government agency, watch the “special time clock” that may apply to him because they are “special.”
18. Bring a court reporter to bad guy’s court appearance so that whatever he says might be “used against him” later.
19. If the person who hit you is “immune” from a lawsuit—because of their special status in the world—check your own policy because you probably have coverage there.
20. Go back and review your own health insurance coverage to find out if it will pay the medical bills now or wait until your doctors sue you to get reimbursed out of your settlement money.
21. Review ERISA (Employee Retirement Income Security Act of 1974) and see if your insurance company is entitled to be repaid out of your recovery. Make sure you aren’t giving your money away just because they send you a form letter!
22. While you are at it, if you are receiving worker’s compensation or disability THEY want to get at THAT money, too.
23. Don’t over treat…insurance companies for bad guys hate over-treatment and they won’t pay for it.
24. When all of your treatment is done, get a disability or prognosis report from your health care providers.
25. Track down wage and salary information from your employer and get those tax returns together from the last 3-5 years.
26. When treatment is over, make sure you have all of the medical records and bills the insurance company sends you) so that you can submit them with the “demand package” you are going to create.
27. Keep all receipts.
28. Research and figure out what the reasonable settlement value of your case is in the jurisdiction where the accident happened.
29.Make an appropriate demand on the insurance company for the bad guy…one that’s not so “wacky” that they just ignore you completely.
30. If the insurance company responds to your demand, and you like what they are offering, take it….but FIRST read the general release of liability that they sent you to make sure you are not waiving important rights.
31. If you don’t like what the insurance company for the bad guy offers you, call us at 541-772-9850 or visit us online at Oregon Car Accident Attorney…we’ll tell you whether it’s actually a good offer or not. But….don’t wait too long. We don’t accept “stale” cases.?