The Seven Steps An Illinois Personal Injury Attorney Will Take To Help You Get Money For Your McHenry County Car Accident Case
When you are injured in a car accident in Crystal Lake or Algonquin, Illinois, you need to hire an Illinois Personal Injury Attorney. Here you will learn the seven steps the lawyer will take to help you recover money for your injuries.
1. THE ATTORNEY WILL LISTEN TO YOUR STORY.
First, when you telephone a McHenry County personal injury attorney to schedule a consultation, you should be prepared to bring with you copies of all documentation you have regarding your car crash. When you meet with the lawyer for the consultation, you will tell him your story. He will listen intently to the details of your explanation as to the events that led up to your injury. He will ask some probing questions, but basically allow you to tell your full story. An experienced personal injury car accident attorney will know what questions to ask to obtain the relevant information regarding your case.
2. THE CAR ACCIDENT ATTORNEY WILL INVESTIGATE YOUR CASE TO FIND AND PROTECT THE EVIDENCE THAT PROVES YOUR CASE.
The McHenry County car accident attorney, David N. Rechenberg, will review the police report, if you brought it with you, or he will obtain a copy of the same from the relevant police agency where your crash took place. Most police departments make the police report available to injured victims for a nominal fee after the police report is reviewed by a sergeant or more experienced police officer. If your injuries are visible, the lawyer will take pictures of your injuries and perhaps even video tape them to be used later at trial. Photographic documentation of your injuries is very beneficial in proving your case to a jury and/or judge. If you are still driving your damaged car at the time of the initial appointment with the attorney, he will take pictures of the damage to your car. He may even go to the scene of the crash and photograph the same and videotape the traffic light sequence if your car accident occurred in an intersection.
3. THE ATTORNEY WILL ORDER THE MEDICAL RECORDS.
During your initial consultation, the attorney will write down the names of all your medical providers, if you have completed your medical treatment. He will then order the medical records. Before your case can be evaluated every medical record must be subpoenaed and thoroughly reviewed before a determination can be made as to the value of your claim.
4. THE MCHENRY COUNTY CAR ACCIDENT ATTORNEY WILL ORDER ALL OF YOUR MEDICAL BILLS.
It is not uncommon that medical bills from a medical provider are at different locations. Physicians and many diagnostic centers such as MRI centers or physical therapy departments will use a separate billing facility to handle their billing. It is crucial that the attorney obtain copies of the itemized bill for each provider. An explanation of benefits from your health insurance carrier is usually insufficient to document the amount of the medical bill of each provider because that explanation of benefits (EOB) usually does not have the full charge from the physician or medical provider, but only the discounted rate that was paid by a health insurance carrier. The amount of medical bills you incur as a result of your car crash determines, in part, the amount of money you recover for your injuries.
In Illinois, every driver is required to carry liability insurance. The minimum liability insurance in Illinois is $20,000.00. It is not uncommon for McHenry County car accident personal injury cases to have values in excess of $20,000.00, and if the tortfeasor, or defendant, does not have sufficient insurance to cover your loss, you may be out of luck unless you have underinsured motorist coverage. Underinsured motorist coverage is automobile insurance coverage from your own insurance carrier to provide you a source of compensation or additional possible sources of compensation when the person that caused the accident had no or little insurance. An experienced personal injury attorney will determine what assets and/or insurance policies are available for your case to compensate you for the losses you suffered in the car accident.
6. THE EXPERIENCED PERSONAL INJURY ATTORNEY WILL EVALUATE YOUR CASE.
A McHenry County car accident settlement should compensate you for all the injuries and damages you suffered as a result of the car crash. In Illinois, you are able to recover damages for pain and suffering; medical bills; lost wages; future pain and suffering; future medical expenses; and a loss of a normal life (disability). Whether you can recover any or all of these elements of damages are determined by the facts of your case. David N. Rechenberg, an experienced personal injury attorney will be able to determine what proof is required for each element of damage and whether your case will qualify for each above stated elements of damage.
7. THE ATTORNEY WILL MAKE A SETTLEMENT DEMAND WITH THE INSURANCE COMPANY AND FILE A LAWSUIT ON YOUR BEHALF IF THE INSURANCE COMPANY REFUSES TO SETTLE.
Your experienced personal injury attorney will work very hard to get a fair settlement from the insurance company without having to file a lawsuit. In a settlement, you should get close to the full value of your damages, but the nature of a settlement is that each side gives up something for the element of certainty. The insurance company is interested in purchasing peace from you when they offer to settle your case. The old adage a bird in the hand is worth two in the bush, bodes well for personal injury settlements. Experienced Illinois personal injury lawyers will make a settlement demand on the insurance company, providing the insurance company with all the documentation needed to prove each element of your case, liability and damages. The attorney will present the proof to the insurance company in language and a form that the insurance company understands. If you are able to settle your case with the insurance company, the next thing that the attorney will do is work on the liens. If David N. Rechenberg is unable to settle your case he will then file a lawsuit on your behalf.