Medical bills are higher than the policy limits

Recently, we were asked about instances where the medical bill surpasses the offer or even the policy limits that applied to the person responsible for the accident. There are ways that a plaintiff can get above policy limits but it involves litigation.

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.

You should carry as much liability coverage as you can comfortably afford because damage claims today are sometimes settled for millions.

According to the insurance industry, State minimums don't come close to covering the cost of a serious accident. You should carry bodily-injury coverage of at least $100,000 per person, and $300,000 per accident, and property-damage coverage of $50,000, or a minimum of $300,000 on a single-limit policy.

If you have any questions, please contact us for a free initial consultation with one of our lawyers. Or visit our website.

Should you contact a lawyer?

The longer I practice law, the more I am amazed at the fact that people are trying to take care of their own legal matters. In my opinion, it all comes from too many television shows about lawyers and how they argue, and on TV, how they win all of the cases, all the time. Because of the media, people thing that they too can take care of their legal matters.

The problem with that is very simple. I tell all of my clients that ask me if they should have an attorney take care of their legal problems, my response is always the same. I ask them if they had a medical condition that would require surgery if they wold do it for themselves. I also ask them if they had to change the transmission on their cars would they do it and the response for both of examples is always the same, they would not. So I ask them, why then, would you think that you can do your own legal case?

You should always allow the people that have a specialty on something do what they are trained to do. Although you may think that you are perfectly qualify to handle your case, and even though you may be the most intelligent person in the planet, the fact remains that, when you argue your own case, you can never have an objective way to handle since you will subjectively be involved with the outcome of the case.

In law school they teach you that, only a fool has him/her selves are a client. Don't you be the one to be fooled. Please contact our lawyers if you have a legal problem, specially involving personal injury.

The Baez Law Firm, P.C. is a general practice law firm that is ready to help you during difficult times. We specialize in personal injury and handle criminal law, auto accidents, family law, business law, consumer law, litigation, and appeals.

The ecomony and your personal injury claim

According to the experts, in the last 12 months, the face of the global economy has forever changed. Gone forever are investment banks, the secondary credit market, and an unregulated financial market.

In its place are government ownership of banks, while central banks around the world are propping up the banking system. In September, we came very close to total economic collapse, and we haven't recovered yet.

However, all data seem to point that the insurance companies are thriving during this difficult economic times. Nevertheless, to maximize their bottom line, which is to make money, insurance companies will play on the tough economic times to try to settle claims for pennies on the dollars, which would otherwise be worth something for the injured person.

You need a team of experts on your side, ready to face tough insurance companies that are ready to downgrade your claim. Do not let this economy affect the outcome of your case.

We are personal injury lawyers that handle auto accidents, personal injury, nursing home negligence,premises liability, slip and fall,car wreck,medical malpractice, wrongful death, and other areas of law.