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 thousands 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 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 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 and under no circumstances should you accept any check from an insurance company without first speaking to an 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.
Personal Injury Attorney 26 Years Experience
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The information contained in this website is for informational purposes only and is not legal advice. Any information sent to Adam D. Rafkin, P.C., and received by Adam D. Rafkin, P.C., does not constitute an attorney-client relationship. DISCLAIMER
Mailing Address: Adam D. Rafkin, PC PO Box 1912 Ruidoso, NM 88355