Denver Truck Accident Injury Attorneys

Across the extensive highway networks, trucking accidents can cause significant interruptions and serious injuries. In these trying situations, trucking injury attorneys act as dependable supporters, providing survivors with guidance and support. They are specialists in the intricate aspects of trucking laws and regulations.

You vs. The Insurance Company: 6 Little Known "Secrets" to Getting a Fair Settlement

We all want to be treated fairly in life, whether it’s by your employer or the insurance company. Here are six little-known secrets to help you get a fair settlement in the event of a car accident:

1. Know Your Facts and the Law

Handling a car accident claim on your own requires a thorough understanding of your case's facts and the applicable Iowa laws. Without this knowledge, insurance adjusters, trained to settle cases for less than fair value, can easily manipulate you. Common techniques include pretending to be your friend, claiming that lawyers will just cost you more, or stating that your case is weaker than it is. They might say, for example, that they only pay for three months of treatment for "soft-tissue" injuries, suggesting your case isn't worth more.

2. You Do Not Have to Give a Recorded Statement

In most cases, you are not required to give the opposing insurance adjuster a recorded statement. This is particularly true if there’s a police report and medical records documenting your injuries. Politely decline to provide a recorded statement and direct the adjuster to these documents. However, there are exceptions, such as claims against your own insurance company for underinsured or uninsured motorist coverage, where your policy might require a recorded statement. If unsure, consult a qualified Iowa personal injury attorney for advice.

3. Always Tell the Truth

Honesty is always the best policy. Insurance companies maintain extensive databases of all prior claims. If you lie about your claim history, it can severely damage the value of your case. Always disclose any past claims to avoid complications.

4. In Car Accident and Personal Injury Cases, Ask the Adjuster About Insurance Coverage

Asking the adjuster how much insurance coverage is available can catch them off guard. They may refuse to disclose this information, preferring to keep you in the dark. Knowing the coverage limits is crucial, especially if you have sustained serious injuries. The Iowa state minimum for car accidents is $20,000 per person for personal injuries. If this is insufficient, you may need to look into your own underinsured motorist policy for additional coverage.

5. Making Threats Will Not Help Your Case

Insurance adjusters are professionals trained to pay as little as possible for claims. Threatening to sue or demanding to speak to their supervisor typically won’t increase your settlement value. Such threats might only reveal your frustration, which isn’t beneficial to your case. Insurance companies have legal teams ready to defend against lawsuits, so filing a suit doesn't intimidate them.

6. Do Your Research to Know How Much Your Case Is Worth

Negotiating effectively requires knowing the value of your case. Research similar Iowa cases that have gone to trial to understand what judges or juries have awarded. Without this information, it’s challenging to negotiate a fair settlement.

Find Relief from Your Car Accident-Induced Annular Tear

Last Updated: 11/2/2023

Car accidents in Denver can cause significant injuries, such as annular tears. Take Chrissy, for example, who suffered multiple annular tears from a car accident, leading to ongoing pain and arm weakness despite extensive medical treatment.

What is an Annular Tear?

An annular tear occurs in the intervertebral disc, a joint between vertebrae that allows mobility and absorbs shock. The outer part, the annulus fibrosis, is innervated and acts like a ligament. Trauma, such as a car accident, can cause this outer layer to tear, potentially leading to severe pain and disc herniation. Chrissy’s case involved disc herniation, necessitating multiple surgeries.

Treatment for Annular Tears

Diagnosing annular tears often requires an MRI or a discogram. Treatment options include chiropractic visits, hydrotherapy, deep tissue massage, hot or cold compresses, exercise, pain medications, epidural injections, or transcutaneous electrical nerve stimulation. Surgery is rarely necessary unless there is disc herniation.

Dangers of Summer Accidents

As summer ends, we hope you and your family had a safe season. However, August historically sees the most car accident fatalities. If you, a family member, or a friend were injured in a car accident, here’s how to know if you need an attorney:

1. Transported by Ambulance: Serious injuries often require hospitalization.
2. Taken Off Work: Missing a week or more of work indicates significant injuries.
3. Persistent Symptoms: Problems lasting a month or longer suggest serious injury.
4. Severe Injuries: Fractures, surgeries, unconsciousness, or concussions are serious injuries requiring legal help.

Truck Regulations and Laws for Drivers in Iowa

Iowa truck drivers must adhere to both state and FMCSA regulations. Key laws include:

- Texting and Cell Phone Use: Truckers are prohibited from texting or using hand-held cell phones while driving.
- Accident Reporting: Accidents must be reported if there’s property damage of $1,500 or more, injury, or death.
- Hazardous Materials: Trucks must have proper placards and follow strict rules for transporting hazardous materials.

If a trucker violates these laws, it could affect liability in an accident. An injury lawyer can help determine fault and liability based on these regulations.

Why Hire a Car Accident Attorney?

Not all car accident cases require an attorney. Situations where you might not need one include:

1. Property Damage Only: If the other driver’s insurance covers vehicle damage.
2. Minor Injuries: Minimal medical treatment may not justify legal fees.
3. Fair Settlement: If you’re satisfied with the insurance company’s offer.

However, consult an attorney if:

1. Hospitalized: Serious injuries often require legal help.
2. Surgery Required: Indicates significant injury.
3. Permanent Injuries: Long-term impacts need legal representation.
4. Other Driver’s Influence: If the other driver was under the influence.

An attorney ensures you receive the compensation you deserve, handles insurance company communications, finds all applicable policies, deals with medical expenses, and provides court representation if necessary.

Contacting Walker, Billingsley & Bair

At Walker, Billingsley & Bair, our team is committed to ensuring you receive the compensation you deserve. We handle all injury cases on a contingency fee basis and manage all necessary documentation and communications.

Walker, Billingsley & Bair is prepared to act fast to defend your rights after a truck accident in Iowa. Contact our office at 641-792-3595 to speak with an attorney.