Few things turn life upside-down more completely, or more quickly, than a sudden and serious personal injury. Medical bills quickly pile up when the victim is out of work and there is no money to pay them. Meanwhile, the insurance company bombards the victim with financial settlement offers which might or might not be fair. Finally, there is the unsettling feeling that, even after the victim recovers, the family’s life might never be the same again.
As outlined below, the professional team at Williams Hart addresses all three of these needs. We do what we do in order to bring peace of mind to accident victims and their families. No one can go back in time and change what happened previously, but we do the next best thing. We make sure your immediate future, and your long-term future, is a little bit brighter.
Meet Immediate Needs
Following a severe personal injury, like a spine injury, the medical bills often approach $5 million. Generally, health insurance companies refuse to pay accident-related expenses, for liability reasons. And, most families in Houston do not have anywhere close to the resources needed to pay such expenses out of pocket.
To address this need, our attorneys send letters of protection to medical providers. These letters guarantee payment when the case is resolved. So, these medical providers agree to defer billing until that time. In other words, the victim receives medical treatment and pays nothing upfront.
This medical treatment comes from top physicians who know how to diagnose and treat car crash and other personal injuries. Victims do not have to settle for a well-meaning general practice doctor that might be inexperienced in this area or the physician that an insurance company is willing to pay for.
There’s more. Our attorneys negotiate with medical providers and frequently convince them to lower their fees. The aforementioned $5 million hospital bill might get cut in half. As a result, the victim gets to keep more of the settlement money.
On a related note, at Williams Hart, we usually take the same approach with other providers, such as vehicle rental companies. So, you do not have to worry about getting your kids to school or taking care of other everyday responsibilities. We’ve got your back.
Negotiate with the Insurance Company
It is very difficult to get better if insurance adjusters call constantly. So, one of the first things we do is send a letter of representation to the insurance company. At that point, these calls stop. It is illegal for insurance companies to contact people who have Houston personal injury attorneys on their side.
We do not begin settlement negotiations until we determine a claim’s settlement value. Generally, that’s the total amount of the medical bills, lost wages, and other economic losses, plus a reasonable amount for pain and suffering, emotional distress, and other noneconomic losses.
To calculate noneconomic losses, we usually multiply the economic losses by two, three, or four, depending on the facts of the case. Some other factors, such as the legal venue and the victim’s motivation to settle the case quickly, also play a part in this determination.
Because of our expertise, we frequently settle even complex injury claims with a demand letter. However, if we need to go the extra mile and file a legal claim, we do not hesitate to do so.
Obtain Financial Compensation
In some situations, money damages assign blame. That’s certainly true with regard to fines in a criminal case. But compensation in a personal injury case is different. These damages do not “blame” anyone for the accident. We all make mistakes, and we are all responsible for the mistakes we make. That’s the essence of compensation in these matters.
As mentioned, no one can turn back the clock and reverse the injury. But financial compensation puts victims in the same position they would have been in had the accident not occurred. That’s the next best thing. Financial compensation takes care of medical bills and provides some extra money to help the family make some good memories which will hopefully replace the bad ones.
Our lawyers might not wear capes, but they can save your family after an accident. For a confidential consultation with an experienced personal injury attorney in Houston, contact Williams Hart today. Home and hospital visits are available.