As a Dallas-Fort Worth personal injury attorney, I've helped a lot of accident victims since I first started practicing PI law in 1991. But I know that just as many victims (probably lots more) never actually bothered to consult with a lawyer to find out their legal rights to compensation. Why? I suspect it has a lot to do with the ridiculous negative stigma that making a personal injury claim has within our society.
There are some lawyers, fortunately few (but they are the notorious minority), who have earned a bad reputation for our profession and the rest of us have been tarnished with the same brush. Ambulance chasers have no morals. By harassing traffic wreck victims they are actually breaking the law, and behaving no better than the unscrupulous insurance adjustors. That's right - it's the insurance adjustors who are the enemy. Believe me, there are very few tricks they won't pull to try and avoid paying honest hardworking folk - victims of drunk drivers, no less - the full and fair compensation they are entitled to under Texas law.
If you've never made a personal injury claim before (which you hopefully haven't) then it's perfectly understandable that you don't know how the process works. Essentially, when you make a claim for compensation to cover the costs of your medical treatment, any loss of income, etc. you are in effect making a claim against the negligent party's insurance policy. You are not suing the negligent individual directly.
Insurance companies are happy to mislead you of this fact, of course, and TV shows like Judge Judy or Judge Joe Brown blur the reality even further. But the fact remains, that in a personal injury or wrongful death case, you are making a claim against the insurance company. The only situation when this might ever be different is if you're making a claim against a large company such as a national corporation or an interstate trucking company. We don't make claims against individuals directly ever.
That's important information to remember, particularly in this age of Main Street versus Wall Street. If you've suffered a fractured wrist, internal bleeding and need months of chiropractic therapy because some idiot blew through a stop sign because they were checking their text messages, then why shouldn't you make a claim against that driver's insurance policy? That's what they've paid their insurance premiums for all these years, and the insurance company is certainly doing well enough to be able to afford it, however much they try to avoid doing so. Unfortunately, their loyalty lies squarely with their stockholders and they couldn't care less that you have to remortgage your house in order to pay your doctor bills.
Don't let them get away with. Hire an experienced personal injury attorney who will put your best interests first and who will fight to ensure you get the damages you deserve. Call me today for a free consultation on your case at 817-294-1900. Remember, there is absolutely no obligation to hire me, but if you do, you don't owe me a penny until your case if won. If I don't win, I don't get paid. It's as simple as that.
Other Articles You Might Be Interested In:
Money Matters: Long-Term Financial Debt as a Result of Being Injured in an Accident
Why do I have to pay back my health insurance company?
Don't Throw In The Towel: How To Get The Full And Fair Compensation You Deserve
Life After An Accident Can Be Stressful Unless You Hire An Attorney
Is There A Deadline For Submitting A Personal Injury Claim?