“Our family was treated with respect, dignity and honesty. The entire staff became a part of our family.”
Gregg & Jamie Reuvers, Faribault, Minnesota
If you have been injured in an accident, you should contact a lawyer immediately. There is a real danger that your rights will be prejudiced if you do not consult with a lawyer right away. We offer a free consultation so you have nothing to lose by contacting us first.
1. Early accident investigation is essential.
Insurance companies often assign investigators and other representatives at the earliest possible time to defend their insured. Your representatives should be there, too. Police and law enforcement will identify witnesses and secure evidence immediately. However, evidence fades or disappears rapidly. We can interview witnesses and secure evidence before the insurance companies do.
2. Black box evidence is only available for a short time.
Black box evidence often tells us the speed of the vehicles, evasive actions taken and other important information. Without quick action, the insurance company controls their black box evidence.
3. Experts may need to review the accident scene immediately.
Kauffman Law Firm works with a network of regional and national experts—experienced in trial work and recognized by the insurance companies and defense lawyers as experts in their field. This close relationship insures that we get the best evaluation of your case—and experienced, effective testimony at trial.
4. The insurance companies will want to take your statement and other information immediately—before you have had a chance to talk to a lawyer. You are not required to provide a written or recorded statement to any insurance company before you talk to a lawyer. We offer a free consultation so you have nothing to lose by contacting us first.
5. You are entitled to recover specific out-of-pocket expenses within 30 days.
If you are involved in a car accident or truck accident in Minnesota, you should be entitled to Minnesota No-Fault benefits to cover specific out-of-pocket expenses such as medical treatment expenses and wage loss. Your insurance company requires an application form and open-ended authorizations (not limited to the accident) to review your medical records and wage records. We will insure to limit any medical authorizations to the extent allowed by law. Your right to No-Fault benefits may be delayed—or lost—unless you provide complete and accurate information required by your insurance company. We will report the accident and your injuries to the appropriate insurance companies in writing.
6. There may be several different insurers involved in your case. We will make sure that your medical bills and other information are sent to all of the involved insurance companies immediately.
7. Proper medical evaluation and treatment is critical for your recovery—and your insurance claim.
You should get proper medical evaluation and treatment for your injuries immediately. You should keep all of your doctor appointments and follow your doctor’s instructions. However, you may need individualized, special care. We will monitor your medical treatment and advise if you need special care.
8. “Defense Medical Examinations (DMEs)” are often required and may be used against you.
Insurance companies are entitled to “Defense Medical Examinations (DMEs)” performed by a doctor chosen by the insurance company. These DMEs are often used to cut-off No-Fault benefits—or may otherwise be used against you and your claim. We will advise you of your rights in connection with a DME, and prepare you for the examination.
9. Settlement should not be considered until at least one year from the date of injury—so that all future losses are accounted for and paid in your settlement.
Insurance companies often act quickly to deny your claim or encourage you to settle for an unreasonably low amount—before you have time to talk with experienced personal injury lawyers.
Most doctors advise waiting for at least one year from the date of injury to determine the extent of your injury and future medical treatment required. These future losses must be accounted for and paid in your final settlement.
Insurance companies evaluate and settle cases like yours all the time. So do we. In our experience, you will receive more money in your pocket by hiring and paying experienced personal injury lawyers—than you will receive from the insurance company on your own.
10. When making settlement offers, insurance companies often fail to mention subrogation—your obligation to pay back medical bills and other out-of-pocket expenses paid on your behalf by other insurance. You may be required to pay back these expenses. This “pay back” requirement should be considered and included in your final settlement.
People often make mistakes when dealing with insurance companies. Do not take chances with your personal injury case. We offer a free consultation, so you have nothing to lose by contacting us first.
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