Personal injury cases all have one thing in common: you were hurt because someone did something that they weren’t supposed to be doing. For example, your car might have been hit by someone who was daydreaming on their ride to work; you may have fallen at an apartment complex because the landlord forgot to clear away the ice; or your injury may have been worsened by a doctor that didn’t get the diagnosis right.

Even though the person didn’t mean to, their inattentiveness – we call that being negligent – caused your injury. And although it is sometimes hard to bring yourself to do it, you have every right to ask someone who was negligent to compensate you for the damages caused by their oversight. Even though they didn’t mean to, they hurt you, and they have to make it right.

Billion Law develops the factual record necessary to prove your claim. We also work with you to determine how much you should ask for in the suit. Damages include, but are not necessarily limited to, the past and expected medical bills, your lost wages, the value your damaged property, and compensation for your pain, suffering and inconvenience.

Insurance companies leave nothing to chance and you shouldn't either. They are well versed in claims techniques that protect the insurance company's financial interest, not yours. Insurance companies are your adversaries in times of crisis, not your friends. And when your adversary is a multi-billion dollar company, you need the assistance of an experienced and aggressive personal injury lawyer.

Call us at 302.428.9400 or contact us here.

Step 1: Get Help

If you are involved in an automobile accident, you should call the police. Even if it’s on private property, call! They may tell you to just exchange information, but make that call. If you are injured in a store, sidewalk, or anywhere else, make sure it is reported it to the owner of the premises immediately.

Then get medical help. If you need to, call an ambulance. Otherwise, go to the emergency room or to see your family doctor.

Step 2: Pay Attention

From the moment of the accident, you should be paying attention to everyone you talk to and everyone you see. We need to know who witnessed the incident, who else was present, and who you talked to. Also, if you can, take pictures of the scene.

Step 3: Do Not Admit Fault

Never admit fault to anyone, including law enforcement personnel even if you think your actions may have contributed to the accident. Fault is a legal term and factors that you may be unaware of may have contributed to or caused the accident.

Step 4: Let Us Deal With The Insurance Companies

Your insurance policy only requires you to report the accident within a reasonable time after the accident. Do not report the accident to your insurance company until you have had an opportunity to talk to us. Accidents are always unexpected; adrenaline is rushing through your body and you feel nervous, upset and agitated. You need to calm down and carefully take stock of what happened before speaking to your own insurance company. Then we will work with you to report the accident.

Step 5: Take Care of Yourself

Even after your initial visit to the doctor, you need to keep working on getting better. You should attend any prescribed physical therapy, see the recommended specialists, and take the precautions your doctor advises. For example, if you neck was injured, don’t go rock climbing next weekend! That just undermines your claim and, at the same time, sets yourself up to get hurt worse.

Step 6: Get Your Car Fixed

Your best course of action is to drive or have your vehicle towed to a local repair facility or dealer you can trust. If the insurance carrier is advised that your vehicle is not drivable or is not safe to drive, a property damage appraiser will be sent to inspect your vehicle at the shop or dealer of your choice. This is preferable to allowing your vehicle to be inspected at your home, place of work or at a drive in claims since your repair facility will have its own estimator available to negotiate the fairest repair price with the insurance adjuster. When renting a replacement vehicle ask for an insurance rate and be prepared to provide your insurance claim information. Insurance rental rates are much lower than regular daily rates, sometimes as much as 50% less. Ask the rental company to direct bill the insurance company. If the rental company does so, you will not have to pay for the rental vehicle when it is returned. If direct pay is not available, you will be responsible to pay the rental costs and wait for reimbursement from the insurance carrier.

Step 7: Document Your Losses

If your injuries prevented you from working, you will be entitled to receive reimbursement for your loss of income when you case is resolved. You may be entitled to receive compensation for loss of income even if you received temporary disability, sick leave, vacation time or other compensation during your absence from work. Insurance companies will require proof that any absence from work was due to a medical necessity and not for other reasons. To establish that your loss of income claim is justified, your medical records must document your inability to work as a result of injuries sustained in your accident. Unless you discuss this issue with your doctor in advance, your medical records may not reflect that your disability was caused by your accident, leaving you with an unsupported claim for loss of earnings.

Step 8: Resolving The Claim

That’s our job!

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