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1.
FAQ's: Auto Accidents
2. FAQ's: Personal Injury
3. FAQ's: Workers Compensation
Q: Should I provide a recorded statement?
A: As a general rule of thumb, it is not a good idea to provide a recorded statement to an insurance company representative. You are not obligated to provide a recorded statement. If you are on medication or if you are not feeling sharp mentally, you definitely want to avoid recorded statements. Remember that anytime you speak with an insurance company representative over the phone, your conversations are likely being recorded. Anything you say on a recorded statement can be used against you in the future. If you do participate in a recorded statement, make sure you provide completely accurate information. Do not ramble. Do not guess or speculate when answering questions. If you do not know the answer to a question, simply state “you do not know the answer”; “you do not recall”, or that “you will have to get back with them” after you have investigated.
Q: How do I properly document an motor vehicle accident?
A: It is important to call law enforcement from the scene of an accident to create an accident report. Try to obtain the names and phone numbers of any witnesses, and get written statements before they leave the scene. Take photos of the accident scene with a camera, including pictures of damage done to vehicles involved, road conditions, injuries, etc. If you do not take photos of the vehicle damage at the scene, surely do it before the vehicles are repaired. Request photographs from the city immediately if intersection cameras may have captured the accident as these pictures or videos are only saved for a short time after the accident. If someone called 911 to report the accident, request a copy of the recording immediately as these recordings are only saved for so a short time after the accident. Obtain three estimates for repairs to your vehicle before having the repairs done. Sometimes the repair shops will take photographs of the vehicles, so get copies of these as well.
Q: How do I obtain medical treatment if I’m injured
A: If you are injured in a motor vehicle accident (MVA), you should first report to an emergency room or your family doctor immediately (or within 24 hours) of your accident. Keep in mind that the liability carrier insuring the person who caused your MVA does not have to pay your medical bills as they are incurred. Rather, the liability carrier will pay your medical bills in a settlement at the end of your case (and before the applicable statute of limitations). So you will need a way to pay your medical bills as they are incurred and before you settle your claim. If you have health insurance, you should simply provide your health insurance information to any doctor or medical facility you treat with for your MVA related injuries. If you have med-pay coverage through your automobile insurance (cross link to the page where it talks about how to properly insure yourself), you should have your med-pay carrier reimburse you directly for any medical bills you have paid yourself, or for any co-pays or deductibles you incur on your health insurance. We discourage you from telling your medical providers that you have med-pay insurance. We also discourage you from having the med-pay carrier pay your medical providers directly.
1) pay your medical bills and seek reimbursement in your settlement;
2) find a medical provider that will treat on a lien; or
3) apply for public assistance medical treatment through an organization like the Colorado Indigent Care Program (contact your local hospital for information on CICP).
If you do have your health insurance, med-pay, CICP, Medicare, Medicaid or some other source pay your accident related medical bills, you may have to reimburse these entities out of your settlement. This reimbursement is called subrogation and will definitely require the assistance of Hoggatt Law to avoid further legal problems.
Q: What is Uninsured Motorist and Underinsured Motorist coverage?
A: Uninsured Motorist (UM) coverage is intended to provide compensation to individuals who are injured in a motor vehicle accident by another person who did not purchase liability coverage. For example, if John Doe runs a red light and collides with your vehicle and you suffer injuries, you can sue John Doe. But if John Doe does not have liability insurance to recover against, then you can seek insurance benefits through your own UM coverage.
Underinsured Motorist (UIM) coverage is intended to protect you against drivers who have liability insurance coverage in an amount less than your damages and less than your UIM coverage. For example, if John Doe had only $25,000 in liability coverage and you have damages of $75,000 and UIM coverage of $50,000, then you could recover $25,000 from John Doe’s liability insurance and $50,000 from your UIM coverage on policies issued or renewed on or after January 1, 2008 (For policies issued or renewed before January 1, 2008 you would only receive $25,000 from your UIM coverage).
Q: Do I have the option of choosing my own doctor in an auto accident?
A: Yes, you can always choose your own doctor in an auto accident personal injury claim. However, if you are in a Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO), then you may have to treat “in network” (chose from a list of doctors provided by your insurance company) so that insurance covers your medical bills.
Q: Are there limits on the amount of damages I can receive in an auto accident?
A: The answer to this question depends on they type of claim you file and the type of damages you seek to recover. In Colorado, there has been tort reform legislation in areas including but not limited to, medical malpractice, punitive or exemplary damages and other non-economic damages. For answers on your specific case, please contact Hoggatt Law.
Q: How do I pay an attorney for an auto accident law suit?
A: Generally, Hoggatt Law will collect a contingency fee which is a percentage of the amount of damages we collect on your behalf. This contingency fee is typically one-third and will be spelled out specifically in a written contingency fee agreement. You will only pay the contingency fee if damages are collected. Hoggatt Law may front any expenses incurred in pursuing your lawsuit. Hoggatt Law will seek reimbursement for those costs from you regardless of the outcome of your case. In certain cases, Hoggatt Law may be able to recover your attorney's fees from the person you sue or their insurance company.
Q: If a loved one dies due to another person's fault and leaves a family behind, can the surviving dependents recover damages for the loss of earnings?
A: In many cases, the surviving family members of a deceased person can recover compensation for the loss of earnings. Determining if an individual(s) is actually a dependent of the deceased person may be an issue that requires legal advice.
Disclaimer:
The information provided in this web site is for informational purposes only and is not legal advice. The transmission and receipt of information through the web site or by e-mail or other communications does not create an attorney/client relationship with Hoggatt Law Office, P.C. Persons receiving information on this web site should not act upon the information without first seeking and obtaining professional legal counsel. Any links to other web sites is not a referral to or an endorsement of those sites.
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