Articles Tagged with personal injury

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No two settlements are identical.  But my friend/cousin/neighbor/etc. settled their claim for $$$$ and they were not hurt as bad as I was.  We hear this all the time when it comes to personal injury settlements.  Unfortunately, all I can say in response is “Good for your friend/cousin/neighbor/etc.”  Even within the same vehicle in an accident, there can be different settlement results among the claimants.  That’s because no two people are identical (except identical twins! And even they are going to have some differences—just ask their Mom).

Think about it.  Even in a rear-end collision, the occupants of the vehicle are going to be affected differently. *  Those in the back seat may be impacted greater than those in the front seat since they are physically closer to the impact.  Or maybe not.  Maybe the backseat passengers are children who are secured in proper car seats and are more insulated from the impact and were not injured at all, and yet the parents in the front seat sustained soft tissue injuries to their neck and back, or a knee injury from striking the dashboard, or a head injury from striking the steering wheel.  Each of those injuries, or lack thereof, is going to merit a different settlement value.

accident-on-the-city-road-at-night_t20_neaR6K-300x200Picture it:  you’re driving home from a long day at work. You reach an intersection with a green light. But, you’re t-boned by someone that runs the red light while on their cell phone. You have suffered some very severe injuries. You must be extracted from your car by the fire department. You’re flown by helicopter to the nearest trauma left and spend a month in the hospital. Your medical bills when you’re released are more than $150,000. You also have a permanent injury and can’t return to your old job or way of life.

The liability insurance for the person that caused the accident becomes the first source of your recovery. Each state sets the minimum amount (“minimum limits” in lawyer-speak) each driver must have in order to drive. North Carolina’s minimum limit is $30,000South Carolina’s minimum limit is $25,000.  There are no hard statistics, but (in our experience) the vast majority of drivers carry only the amount required by law. It doesn’t take a math whiz to figure out that a minimum limit policy doesn’t go very far in your situation.  This sad scenario is something that we as injury lawyers see far too common. There is no worse feeling than telling an injured person that there is no way to get more money for a client.

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Liability Insurance: A Necessary Evil

Let’s face it, just about nobody likes auto insurance.  For most people, it’s a cost you’re forced to pay for something you never get anything from.  Making matters worse, most people have no idea about what coverage they are paying for or what kind of options they really have.  For many, the only thing that matters is the cost.  However, if you are involved in a collision, having the right types and amount of insurance can make all the difference.  This post will address one of those types, liability insurance.

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