There is a widespread misconception about personal injury cases in Champaign County and across Illinois - that you will battle it out in the courtroom with an insurance company. The Auto accident and personal injury team at Holder Law Group has certainly had to hold defendants, and of course their insurance companies, accountable in the courtroom before, but most of the time has been able to bring cases to a resolution without going to Court. However, while you may hear the term "personal injury" and immediately think "court room," the truth is that your case will unlikely go to court.
Despite this fact, the lawyers at Holder Law Group believe that every case needs to be prepared as if it is going to trial and that, at the end of the day, both the client and the lawyer need to be ready to go "all the way." Insurance companies, not individuals, are responsible for paying for the damages and injuries sustained in car accidents, fall cases, and medical malpractice, and insurance companies will do everything in their power not to pay. This is why a local, Champaign-Urbana accident lawyer will be your best resource in getting compensation.
You would think it would be beneficial for an insurance company to battle their case out in court, but it really isn't for most cases. Insurance companies want to look like the good guys and challenging an injured party in court goes against that. Still, many companies, particularly the ones that advertise on television like Allstate, Country Companies, State Farm, and GEICO, will often rather pay for lawyers then compensate people injured in car accidents or at the hands of doctors. This is why it is important to have a skilled local attorney to make jurors and insurance adjusters understand that there must be accountability.
For insurance companies, it is easier if they try to negotiate your case down outside of court and settle if at all possible. However, this doesn't mean you should let them talk you out of legal presentation just because you might not go inside a courtroom. Insurance adjusters know they can pull the wool over your eyes, but only if you don't have a lawyer that knows better by your side. Even if your case probably won't go to court, you should still be sure to get a lawyer to make sure you get a settlement that is fair for your injuries. Insurance adjusters and the corporate boards of directors are only driven by profits and will use many tricks to pay you less for your injuries.
Need help after an auto accident or personal injury case in Champaign County or Central Illinois? Have you been hurt in an accident and are considering a personal injury suit in Illinois? The process may seem straightforward enough, but make no mistake, it is not something you want to do alone. If you want to make sure you get the compensation that is fair for all your injuries, then contact us today to see what we can do for you.
Betsy Holder, Founder, Holder Law Group
Betsy Holder has recovered millions for her injured clients inside the courtroom and through settlement over the last decade. With long roots in the Champaign Community, Betsy and her team of litigators have the connections and expertise needed to get you the money that you deserve.
How well do you know your automobile insurance policy??
One of my first cases as a young attorney involved a tragic automobile accident where I represented the estate of a University of Illinois student from China, who had perished in an automobile collision. The other 4 people in the car survived with massive injuries, including a girl with a fractured pelvis. This was a hit and run and the later detained defendant did not have insurance and was out on parole for previous felonies. There was a $100,000.00 under insured motorist policy to be split 5 ways. I found myself, through a translator, attempting to explain to the Chinese parents of this young girl, who was their only child, that they would recover very little monetarily as a result of their daughter's death. I was pregnant with my own daughter at the time and have since learned two things. First, as an attorney who works in personal injury, no matter how much you attempt to disconnect emotionally, there are cases that will haunt you every day throughout the litigation process and long after its conclusion. Second, I learned how crucial it is to have good automobile insurance coverage.
When purchasing automobile coverage, we tend to focus on liability coverage, which means how much coverage a person has if they injure another person or person's property. The state minimum for automobile coverage in Illinois is grossly insufficient as it requires a person to only have $25,000.00 per person and $50,000.00 per incident of coverage. This means, that if there are multiple people in the car, the maximum amount that can be recovered by all injured people combined is $50,000.00 Rarely do we ask, what happens if I am injured? Because we cannot control the amount of insurance that drivers whom we share the roadways with may (or may not) have, there are ways to protect yourself.
Uninsured motorist coverage protects you directly. This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto liability insurance. This coverage, in effect, takes the place of the liability insurance that the other driver should have purchased but did not. Underinsured motorist coverage applies when the other driver is at fault and whose limits of liability are lower than the damages you sustained. Your underinsured motorist coverage will pay you an additional amount up to your policy limits. In Illinois, your underinsured/uninsured policy limits are equal to your liability insurance.
Taking into account that a trip to the emergency room can easily cost $15,000.00 if you have to have complex imaging, it is important to be properly insured. I am not an insurance salesperson, but as a lawyer who has worked with countless automobile policies and recoveries for my clients, I have gained a bit of knowledge in the area. I strongly urge everyone out there to get a substantial Umbrellas insurance policy coverage plan.
A personal umbrella policy is a type of insurance that provides liability coverage over and above your automobile or homeowners policy. It can also provide additional coverage for your own injuries resulting from an under insured or uninsured driver in a collision. Usually, the amount of money to include this type of coverage is ever so minimal compared to the value it has if you are in a serious accident. Call your insurance agent or company today if you don't have this coverage or are unsure of what sort of coverage you have.