What Is My Car Accident Claim Worth?
Your case’s value will depend on a series of factors and circumstances, and it’s never as easy as entering a few numbers in a calculator. At Petro Accident & Injury Attorneys, we help our clients understand how much compensation they can recover, looking at:
- The severity of your injuries
- Whether you are able to return to work
- The extent of your past and future medical care
- How much income you’ve lost due to the accident
- The size of the insurance policies involved
- How your life changed after the accident
- The extent of your pain and suffering
- Whether the at-fault driver’s conduct merits punitive damages
- How many parties are involved in the claim
Sometimes, these damages are relatively easy to calculate. However, if you or a loved one has a catastrophic injury claim (like a spinal cord injury or traumatic brain injury), it is very important that you consult with a skilled attorney. In these complex cases, where a victim will need a lifetime of care, we may need to consult with physicians, long-term care planners, and other experts.
Answers to the Top 7 Questions About Car Accident Cases in Alabama
1. Is it possible to settle on my own?
Yes you can, but the truth is you should speak to an attorney about your case, especially if you have been seriously injured in an accident. We will be glad to provide you with free information that you will need to help you make this decision. Keep in mind, Insurance companies are big businesses that make big profits off of collecting more money in premiums than what they pay out in claims. To the big Insurance company you are just a number. The big Insurance company is not looking out for your best interest. It is looking out for its bottom line.
2. Should I speak with the Insurance Adjuster?
Yes you can, but make sure you are informed about your facts. Keep in mind, anything you say to an Insurance Adjuster can be used against you in your claim.
3. Should I sign the Medical Records Release for the Insurance Adjuster?
Yes you can, but keep in mind if you will be allowing them to see confidential medical records.
4. What is Contributory Negligence in a car accident case?
Alabama has a harsh 1% Rule. If you are at fault 1% you will not have a case. It is essential that you find an attorney that will be honest with you about this 1% Rule.
5. Who will pay my medical bills until my case settles?
If you have health insurance it is important that you submit your medical bills to the health insurance company. Insist that the healthcare providers bill your own health insurance company. You may also have med pay coverage with your own automobile insurance company that provides some coverage for medical bills. If you don’t have health insurance or med pay coverage arrange with the medical providers to hold off on their collection efforts until after the case is resolved. Avoid your medical bills going into collection. This will hurt your credit rating.
6. What if my car is totaled and the insurance company doesn’t offer me enough to pay off what is owed on my car?
Under Alabama law, if your car is totaled you are only entitled to property damage compensation in the amount of the fair market value of the car immediately before the wreck. The law does not take into account what is owed on the car. If the car is repairable you are entitled to receive property damage compensation in the amount of the reasonable repair cost.
7. What are lost wages?
It is the money you lost because you were unable to work after the wreck due to your injuries. It is important to keep written notes of the days and hours that you miss from work. You are entitled to be reimbursed for your lost wages.
Regain Control With Help From a Car Accident Lawyer
If you’re feeling overwhelmed after a serious crash, contact an experienced Alabama car accident attorney at Petro Accident & Injury Attorneys. We are committed to our clients and believe that every victim deserves fair compensation for their injuries. We look forward to hearing from you.