Our client, Chelsy, needed help from us with her auto accident case. She had such a positive experience, she agreed to share her thoughts with us. Her case was not unusual:
- She had new, often debilitating pain, which impacted her livelihood.
- She preferred to seek relief from “alternative” medical providers: massage, acupuncture, and yoga
- She was overwhelmed by the system and wasn’t sure how to best proceed
- The insurance company tried to ignore the extent of her pain and “soft tissue” injuries
- Her medical bills were piling up and she needed to continue getting care
Chelsy came to us in time to bring a lawsuit, which let the insurance company know that she was serious about getting a full recovery. We were able to get her a good result that helped her pay her bills and secure future treatment.
If you’ve recently been in an auto-collision, you may have been asked whether or not you have “UIM” Coverage.
UIM or “Underinsured Motorist Insurance” (also sometimes called just “UM”) covers your medical bills, pain and suffering, and lost wages if your damages exceed the amount of coverage that the at-fault driver has. For example, if you are seriously injured in an auto-collision and have $150,000 in medical bills, and the at-fault driver only had coverage for $25,000, you have $125,000 in damages that exceed the at-fault driver’s coverage. If you have your own UIM Coverage in the amount of $300,000, you can make a claim to have your UIM Coverage pay all of your damages in excess of the at-fault driver’s policy up to your own policy limits.
UIM Coverage is important because many drivers in Colorado only carry the state minimum amount of insurance coverage – $25,000. If you are seriously injured by a driver who does not have adequate insurance coverage, you need to have your own coverage to protect yourself. Don’t leave yourself and your family at risk of an underinsured, or uninsured, driver!
Typically, the parents or the guardian of a child under the age of 18 will bring a claim on the child’s behalf for compensation of injuries that a child sustained.
The sudden and intense movement overstretched the muscles and tendons in the neck, causing tears and pain ranging from mild to severe.
The symptoms may include:
- Limited range of motion;
- Tense muscles that feel like knots;
- Pain when rocking your head back and forth or side to side;
- Tender, sensitive muscles; and
You should seek medical attention immediately after you believe you may have sustained whiplash. Depending on the severity of your injury, treatment may include:
- Applying ice or heat to the area;
- Pain medications; and
- A neck brace.
Judging the value of your case is a complicated procedure that involves a variety of factors. Your case evaluation will generally consider the two sources of damages: Compensatory Damages and Punitive Damages.
1. Compensatory Damages
Compensatory damages are paid to compensate the claimant for actual damages suffered from the incident. Actual damages are sub-divided into two categories: Economic Damages and Non-Economic Damages. Economic damages are damages for which a monetary amount has already been assigned, for example, medical bills, damaged property, and lost wages. Non-economic damages are essentially non-monetary damages, such as pain and suffering, physical deformities, and a loss in the claimant’s quality of life.
2. Punitive Damages
Punitive damages are intended to reform the actor and deter him from committing the same incident again. While punitive damages are not intended to compensate the claimant, the claimant may receive all or a portion of the damages award.
This guide briefly describes actions that you should take in the days and weeks following an accident. Contact a local personal injury attorney for an evaluation of your case.
1. Exchange Information
Always get the other driver’s license information, phone number, address, and insurance information before leaving the scene.
2. Call the Police
The police will write up an accident report and evaluate the scene.
3. Seek Medical Attention
If you think that you may need it, seek medical attention as soon as possible.
4. Retain all Medical and Accident Records and Photos
Get copies of any medical records, accident reports, and photos taken of the scene and your car. If you suffer bodily injury, make sure to take pictures of your injuries.
5. Contact An Attorney!
Certain cases have time limits, and if you do not bring your claim within the time limit, you may forfeit your right to pursue the claim and get compensation. Speak with a local attorney who specializes in personal injury law as early as possible.