What other insurance benefits are available to me besides payment of my medical bills?
Your life has been turned upside down by an accident that was not your fault. Even though Higgins Law, LLC assists you in getting your medical bills paid through PIP, Med Pay, group and/or private insurance, Medicaid, and/or Medicare, the payment of your medical expenses is not the same as getting your life back to how it was before you were injured. You have suffered other damages besides these economic damages and these other damages are the "non economic" damages that the at fault party owes you and that, if you didn’t have a lawyer, you might not be aware of or ever receive. Insurance companies are loathe to inform you. The injuries you suffered caused you a great of pain and suffering, preventing you from doing things you used to enjoy, such as hobbies, sports, or whatever you like to do in your spare time to relax and enjoy life. You have suffered and been deprived of the enjoyment of life, and unfortunately this could be permanent. The relationship with your spouse might have been effected as well. Losses such as these are compensable at the settlement of your case, but not unless you know it and demand the money. The settlement should not be rushed into, because early on you might not be aware of whether your injuries will heal on their own in a short time, will require expensive surgeries, or will leave you disabled and disfigured for life. In many cases you and your doctor will want to try conservative remedies first, like physical therapy, to see if your body can recover without surgery, but if not, your doctor may suggest surgery. If you settle the case too early, you may cut off the payment that otherwise would have been covered in the settlement for any surgery that became necessary. This is one of the reasons you shouldn’t rush into settlement. Sometimes insurance companies will anxiously offer you low sums on money early on, i.e. to get you settle for very little money before you realize what you are really entitled to. They may hope they can prevent any payment for later surgery you might require but don’t know about right after the accident. Your lawyer will protect you from making a rash decision under pressure by the insurance company and instead ensure you are compensated to the fullest extent of the law.
Typically your case should not be settled before you reach "MMI" or "Maximum Medical Improvement", the point at which your doctor believes you have improved all that you are going to improve and further medical care will not make a difference. This may mean settlement is delayed in your best interest for months or even years after the accident occurs in favor of getting you all you are entitled to.
On the other hand, if the liability coverage of the defendant from which your settlement is paid is a low dollar amount like the minimum $10,000, and it becomes evident that your claim will easily exceed this amount, it may be futile not to settle early on. Why not sue the at fault party individually then? See another article by this firm for the answer to this question. Please let the Higgins Law, LLC handle your claim and guide you through the maze of red tape to get you everything you deserve when you’ve been injured due to someone else’s negligence. Call today. Our goal is your peace of mind.