Rafkin Law — Automobile & Truck Accident
Personal Injury Lawyer

The most common form of personal injury we are contacted about by
prospective clients, is due to an automobile accident. These cases can result in
very serious injuries and tens, or hundreds, of thousand of dollars in medical
bills. Our goal in any litigation arising out of a car or truck accident
is not only to recover money to pay for the past medical bills, but also
to pay for any future medical care needed, as well as past and future pain
and suffering.

One problem that often arises as a result of a car accident or truck
accident is that the party at fault does not have sufficient insurance
coverage to cover the injuries to the client. In such circumstances, we must
often initiate an action against the client's own insurer, in order
to obtain benefits under the Uninsured or UnderInsured Motorist coverage
portion ("UM/UIM policy") of the insurance policy.

That is why it is critical for all motorists to purchase as much UM/UIM
coverage as possible; this is the single most important thing you can do
to protect yourself. Purchasing, say, $100,000.00 of UM/UIM coverage means
that if you are injured by an unisured motorist, at a minimum, you will have
at least $100,000.00 in insurance coverage available to pay for your
medical care and compensate you for pain and suffering.

Many of our clients over the years have sadly learned, only after an auto
accident, that they only have $25,000.00 in UM/UIM coverage, which is
scantly enough to pay for any meaningful amount of medical care nowadays.
That is why you should purchase as much UM/UIM coverage as possible; it
typically only increases one's yearly premiums by a fraction.

Lastly, if you are involved in a truck or car accident, you should
be circumspect about any information you provide to the insurance
adjuster who may contact you. Although the adjuster may seem pleasant and
friendly, their primary goal in life is to pay as little of the insurance
company's money to settle claims like yours. Therefore, you should not let
an insurance adjuster take a recorded statement from you without having
first consulted with an attorney who specializes in personal injury cases, such
as Rafkin Law, and under no circumstances should you accept any check from
an insurance company without first speaking to a attorney. Accepting such a
check may mean that you have waived your right to any future compensation,
regardless of the extent of your future medical care related to the injury.

Adam Rafkin, P.C. - The Lawyer On Your Side
Rafkin Law serves greater South-Central New Mexico, including
Alamogordo and Ruidoso. Call 575-257-0129 today for a free consultation.