DO NOT give any recorded or written statements to any insurance company. The insurance companies are not on your side.
Consult with a Rhode Island attorney first. 401-721-2260. Insurance companies delay payment, deny valid claims or offer unfair settlements. When you have a car or motorcycle accident you need a Rhode Island lawyer to get the insurance/accident coverage you paid for. The insurance companies are not on your side.
In Rhode Island motor vehicle, car, truck or motorcycle accidents in all personal injuries cases, attorney Healy is paid a percentage of the funds actually recovered for you.. He is paid ONLY if successful in winning your case or obtaining compensation for you. All his personal injury and vehicle accident cases are handled on a contingency fee basis.
All of attorney Healy’s personal injury cases are handled on a contingent fee basis. This means that the legal fee is a percentage of the amount recovered, and there is no payment unless and until money is actually collected for you.
“When you are injured, you should be able to focus on the healing process. In these situations, I am able to help resolve claims for maximum value as quickly as possible, so that you can focus on your recovery.”
Your medical bills are paid out of the proceeds of your case after the case is settled or you win in Court. In many cases you may have Medical Payment Coverage for payment of your medical bills.
“When you win I win.” There are many pressures one faces when injured and paying your attorney should not be one of them.
If the driver who caused your accident was Uninsured or Underinsured, you can often proceed against your own insurance company to collect uninsured motorist benefits. Regardless of fault, these benefits are designed to help you pay for your medical bills following the accident.
Insurance companies are often reluctant to pay. Most standard auto insurance policies contain coverage for situations involving Uninsured/Underinsured motorists.
Protect yourself. Uninsured/Underinsured Motorist coverage is not expensive and can make all the difference to your ability to continue your life and to pay medical expenses.
Many people do not realize that an accident can cause many different insurance law issues to arise — get the help of a Rhode Island attorney who understands how to resolve these issues. Attorney Bernard Healy was a partner in a large Providence Rhode Island Insurance defense firm. Attorney Healy uses decades of RI legal experience to help you get the benefits you paid for. Do not deal with the insurance companies alone. Talk to an experienced Rhode Island lawyer- Bernard P. Healy.
From wrongful death to minor fender benders -Attorney Healy has an aggressive and effective approach to vehicle and injury cases.
“Most cases never reach a Courtroom. Why? Because the assumption that I will take your case “all the way to Trial” puts us in the best position to negotiate with our adversary. Adversaries know I am ready to fight for maximum recovery. From the first meeting with a client, I organize my questions and thoughts with Trial preparation in mind. All of my correspondence and the documents I submit to Court are towards that end.”
What to do if you have a Car Accident
What to do if you have a Car Accident, Truck Accident, Motorcycle Accident, or Pedestrian Accident
Be polite, but don’t tell anyone the accident was your fault, even if you think it was. Do not apologize for anything at the scene. For example, if you say, “I’m so sorry I ran that red light! Is everyone okay?” you just admitted legal liability for what happened.
Immediately after an accident, it might not be clear who was at fault or more at fault. Try not to admit guilt unintentionally or unnecessarily. State only the facts, and limit your discussion of the accident to the police and your insurance agent and your Rhode Island lawyer at 401-721-2260.
And follow these steps:
1. Stay at the Scene of a Car Accident, Truck Accident, Motorcycle Accident or Pedestrian Accident
Never leave the accident scene until it’s appropriate to do so. If you leave, particularly where someone has sustained injuries or was killed, you can face serious criminal penalties for being a hit-and-run driver.
2. Check on All Drivers and Passengers
Before assessing property damage, make sure everyone involved in the accident is okay. Get medical attention for anyone who needs it. If a person is unconscious or has neck or back pain, don’t move them until qualified medical help arrives, unless a hazard requires moving the person.
3. Call the Police
If there’s significant property damage, physical injury, or death, you need to call the police. Ask that a police report be filed in situations where cops do arrive at the scene, and obtain the name and badge numbers of the responding officers.
4. Exchange Information DO NOT SKIP THIS STEP.
Get the following information:
- phone numbers
- driver’s license numbers
- license plate numbers
- name of insurnce company
- If there are passengers, also obtain their names, numbers, and addresses
5. Talk to Witnesses
Ask every witness what he or she saw. Get their names, License Plate and phone numbers, or addresses, if possible. Ask locals if they’ve ever witnessed other accidents in the same place. Do not rely on the police to do this for you. They are busy and not obligated to do this..
6. Inform Your Insurance Company
Promptly tell your insurance company you’ve been in an accident. Cooperate with them and tell them the truth about what happened and the extent of your injuries. Explain the facts clearly. If the insurance company finds out that you’ve lied to them about anything, you can get into serious trouble, including possible denial of coverage for the accident. Obtain and review any police report filed, so you can point out who broke what traffic laws or who was at fault.
7. Keep Track of Your Medical Treatment
Note any doctors, physical therapists, chiropractors, or other medical professionals that you receive treatment from, and each medical provider that referred you to other caregivers. Give a detailed account of the treatments or medications you receive to your Attorney. Your attorney will request copies of all medical reports and bills as these help you prove your medical expenses later.
Medical expenses are relatively easy to document, but pain and suffering is trickier to prove. Keep a record of how your injuries have impacted your daily life. Include any missed workdays, list any routine activities you can’t undertake, and describe how the injuries have affected your family life.
8. Take pictures
Take photographs of any damage to your vehicle as soon as possible after the accident. Photos helps your insurance adjuster determine how much you should be compensated for the damage to your car and can help in court. Pictures of your car before the accident can offer a great “compare and contrast” to show the true extent of the damage sustained in the accident.
9. Get a Property Damage Valuation
Obtain your insurance company’s damage valuation. If you aren’t satisfied with how your insurance company has valued your vehicle, don’t give up. Get two independent repair estimates or replacement quotes. Assertively inform the adjuster of your concerns. If you can’t agree on your car’s value, consider mediation or consult an attorney.
10. Use Caution in Discussing the Incident
Don’t talk to anyone about the accident other than your lawyer, your insurance company, and the police. Don’t talk to a representative of another insurance company, without the knowledge of your attorney or insurer. If called by the other insurance company, be polite, but ask them to call your attorney or insurer to arrange an interview. Also, tell your lawyer or insurer about the call.
11. Be Wary of Early Settlement Offers
Be careful if you’re offered a settlement from an insurance company. Confirm all your physical injuries have been treated. Some injuries don’t show up or reach their greatest level of discomfort until many days, weeks, or months later. Don’t settle a claim until you know you’ll be compensated for all your injuries, and consult attorney Healy before signing any settlement documents. 401-721-2260.
12. Hire an Attorney
The insurance companies are not on your side. If anyone was injured in the accident, it’s best to consult an experienced Rhode Island attorney. An attorney can help you maximize your recovery if you are injured or better defend yourself if you are at fault. Most accident attorneys work on a contingency fee basis. That means that your lawyer only receives a fee if you’re awarded damages or receive a settlement. Contact an experienced attorney now for a free claim review. Call attorney Healy at 401-721-2260