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Why Do I Need to Hire a Personal Injury Attorney?

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why is there a supply of personal injury attorneys?

Sacramento personal injury attorney I joke that I became an attorney due to poor math skills. There is some truth to that but I do recall intro to economics and the concepts of Supply and Demand. Basically, there is no supply unless there is a demand. So, why is there a supply of personal injury attorneys? Because insurance companies create the demand for such. I want to highlight a couple of the methods insurance companies employ to create this demand.

Insurance company makes their own decision as to what the amount of the bills should be for your personal injury, not your actual amount of medical bills

Medical bills: as part of your personal injury recovery you are entitled to receive compensation in the amount of your medical bills. The law says that, plain and simple. However, nothing is plain and simple when dealing with these insurance companies on your personal injury compensation. When they do make an offer they base it on “accepted” medical bills. What does this mean? This means that the insurance company makes their own decision as to what the amount of the bills should be. They submit the billings to a company like Benchmark, who goes through the billing and gives the insurance company some low-ball number as to what the “appropriate” amount of the bill should be for the personal injury. Thus, if you have an emergency room bill for $8,000, the insurance company will say the bill should only be $4,000 and make that their offer. What this doesn’t account for is the fact the bill in your mailbox from the hospital is still in the amount of $8,000. Insurance company doesn’t reach out to the hospital and create an agreement, they don’t negotiate on your behalf, they just unilaterally decide what the hospital should have billed and offer you that amount. This is done on almost every single bill; radiology, physical therapy, chiropractic, ambulance, etc.

Dealing with Expert witnesses hired by the insurance company when a personal injury lawsuit is filed

Expert witnesses: after the insurance company has offered you only a portion of your medical bills you are then forced to file a personal injury lawsuit. When you do so the insurance company then hires their own experts to testify about what your personal injuries are or should have been. This is usually done by a doctor who never actually examines your if he/she does, spends about 20 minutes examining you before making draconian opinions. Let’s analyze these “experts”; they are usually the same individual. These individuals rarely have an active clinical practice, that is, an office where they treat patients for the good of societal health. Instead, they make millions of dollars repeatedly testifying in personal injury lawsuit trials for insurance companies. Let’s use William Hoddick for example. He is a radiologist who has been testifying in personal injury lawsuit cases for insurance companies for well over 25 years. Typical testimony from this person is that the injured person is not injured to the extent claimed or if so, the personal injury was not caused by the subject accident. His work in Med Legal has earned him what many would consider to be a fortune. How much you ask? Difficult to state as this expert has testified in deposition that his accountant (who also acts as his attorney) advises him to shred his 1099 forms. One would wonder why that would be necessary. And this is the individual the insurance companies run to in order to get their opinion.

people often give up fighting with insurance company because it takes too long or is too big of a hassle

You were stopped at a red light and were rear ended. Your car was damaged and you sustained injury. Seems very straightforward, very simple. You are about to embark on a journey that is anything but. Right, wrong or otherwise, insurance companies will do what they wish until forced to do the right thing. You have to force them. They will engage in economic warfare (making it extremely expensive to pursue a claim that may not have high value), and timely. Many people want to just give up because it just takes too long or is too big of a hassle. This is a win for insurance company. You have to be willing to pursue the right result and to get that right result, you will most likely need the experience and effort of a personal injury attorney dedicated to the individual.



Frederick J. Sette AT (916) 442-0000

OR TEXT TO 1-888-516-6262

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Sacramento Personal Injury Attorney Disclaimer

This website is for general information only about personal injury attorneys and does not constitute a client/lawyer relationship. If you believe that you are entitled to personal injury compensation, contact Frederick Sette. He is an experienced Sacramento personal injury and car accident attorney who is devoted to protecting victims of personal injury in Fairfield, Modesto, Sacramento, Stockton, Napa and surrounding California cities.

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