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From helping you after a dog attack or truck accident in Wisconsin to defending your rights as a rider, the personal injury trial attorneys at Hupy & Abraham will be fierce advocates in your time of need.
With offices across Wisconsin, Illinois, and Iowa, and representing clients hurt by slip and fall incidents, car accidents, wrongful deaths, drug and medical device injuries, dog bites, nursing home abuse and motorcycle crashes, we are available where you need us and when you need us.
Contact our professional team of Midwest injury attorneys by calling 800-800-5678 today for your free consultation.
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How should I deal with an insurance adjuster after a personal injury?
If you’ve been hurt in any kind of personal injury accident, then it is important to deal with the insurance adjuster cautiously and with a complete understanding of his job. Additionally, it is important to know that you always have the right to contact a personal injury lawyer and to have your lawyer deal with the insurance adjuster on your behalf.
You may put your fair recovery at risk if you say too much or if you say something that is misconstrued by the insurance adjuster. Don’t risk making a mistake that could have been easily avoided. Instead, learn how to protect your rights after someone else has hurt you.
Know What the Insurance Adjuster Is Trying to Do
It is the insurance adjuster’s job to get you to accept as little as possible for your injuries even if the insured is legally responsible for your injuries. Insurance companies maximize their profits by paying out as little as possible in settlements, and insurance adjusters are looking out for their employers.
To that end, insurance adjusters may try to use anything that you say against you. They may try to make it seem like they are looking out for your best interests, but their loyalty is to the insurance companies that employ them.
Accordingly, if you must speak with an insurance adjuster, then it is important to stick to the facts such as the date the accident occurred, where it occurred, and who was involved in the crash. Any further discussions should be directed to your personal injury lawyer.
How a Personal Injury Lawyer Can Help You Negotiate With an Insurance Adjuster
Experienced personal injury lawyers know what information to provide to insurance adjusters and just as importantly how and when to provide it. An attorney can make sure that your rights are protected. He can explain how a personal injury lawsuit works and can advocate for your full and fair recovery.
Once the insurance company is notified that you are represented by counsel then you should no longer have direct contact with the insurance adjusters. That stress—the worry of always having to watch what you say—should be removed from your shoulders while your attorney works hard to get you the settlement that you deserve.
If you would like to speak with a personal injury lawyer about your claim and about how to protect it, please reach out to us via this website or by phone at any time. We are here to help you.
What should I do if I suffer a personal injury?
If you’ve been injured in any kind of accident, such as a car crash, motorcycle wreck, slip and fall or other type of accident, then you are probably facing some difficult questions. You may wonder:
“How will I pay for my medical treatment?”
“What about all the time I have to miss from work?”
The answers to these questions aren’t the same for every injured person, but if your injury was the result of someone else’s negligence, then you should not have to shoulder these costs by yourself. Instead, a Wisconsin injury claim could ease some—or all—of the financial burden associated with your injury, and you can help protect your own recovery by knowing what to do after a personal injury accident.
What to Do at the Scene of an Accident
Accidents are stressful and disorienting. If you’ve been in an accident and you are physically able to do so, you should:
- Seek immediate medical attention.
- Notify the police or property owner, as applicable.
- Watch what you say—anything you say can be used against you.
- Take pictures and videos of the accident scene.
- Write down the names and contact information for any witnesses and for other parties to the accident.
- Request a copy of any reports done by the police or others
Of course, you may not be able to do all of these things after every injury. If your injury or the chaos of the accident scene left you unable to do these things, don’t panic. Instead, learn what you can do now to protect your rights.
What to Do After an Accident
After a personal injury accident, it is important to:
- Contact your insurance provider (if applicable).
- Keep records of all of your injuries and expenses.
And it is important to hire an attorney to help you prove your case, to avoid mistakes after a personal injury, and to get the fair and just recovery that you deserve.
A Wisconsin accident can impact more than just your short-term health. Serious or permanent injuries may require hundreds of thousands of dollars in treatment and rehabilitation costs. If your injuries prevent you from working for an extended period of time, you likely will not be able to handle these costs on your own.
Thus, it is important to begin protecting your rights today. Contact us via this website or by phone to schedule your free consultation today.
How can I avoid common mistakes after a personal injury?
You ask a great question, and you certainly want to avoid as many mistakes as possible after you suffer a personal injury in any kind of accident. That said, it is important to remember that the aftermath of an accident is stressful and often chaotic. Additionally, you may be in pain and unable to think clearly. Many people who suffer personal injuries make mistakes and our personal injury lawyers know how to fix them.
That’s why it is important to contact us as soon as possible after you have been hurt—so that we can help you fix any mistakes that have been made, avoid future mistakes, and get the recovery that you deserve.
Don’t Do These Things After an Accident If You Can Help It
Immediately after your accident and in the weeks to follow it is important that you do not:
- Fail to report the accident, as appropriate. This could include reporting to the police, to a property owner, or to an insurance company, for example.
- Admit fault or apologize for the accident.
- Refuse medical care.
- Fail to keep medical appointments.
- Fail to follow your doctor’s treatment plan.
- Talk to the insurance company to try to negotiate your own settlement.
- Delay filing an insurance claim.
- Fail to preserve evidence from the accident scene.
Additionally, it is very important that you do not accept a settlement for less than you deserve. While we may be able to help you fix a different kind of mistake, we may be unable to help you after a settlement has been reached.
The Other Mistake You Can’t Afford to Make After An Injury
Failing to hire an experienced personal injury lawyer is another mistake that we urge you not to make. An attorney can not only help you avoid mistakes, but can also help you do the right things to protect your personal injury recovery. To learn more about protecting your rights and making a fair recovery, please contact us today via this website or by calling 1.800.800.5678 to schedule your free consultation.
Will I have to go to court if I file a personal injury lawsuit?
Most people who file personal injury cases are able to resolve their lawsuits before trial. Whether your case will need to go to court or not depends on a lot of different factors. Some of those factors are within your control. For example, your case may be more likely to settle if you have evidence to prove your claim and an experienced attorney to help you negotiate with insurance adjusters. Other factors, such as the willingness of the defendant to settle the case, are not within your control.
However, you should not allow any apprehension or anxiety about going to court keep you from filing a case.
Going To Court Can Get You The Personal Injury Settlement You Deserve
We don’t want you just to take our word for it. As experienced lawyers, it is easy for us to say that you shouldn’t worry about going to court, but we understand that courtrooms are not part of your typical work day. Yet the possibility of going to court should not stop you from pursuing a recovery after a personal injury claim because:
- Hupy and Abraham is able to resolve the majority of our personal injury cases through skillful negotiation. If your case settles then you may never have to go to court.
- If you do go to court, then you will never go alone. Your lawyer will always be with you to represent your interests, to speak on your behalf, and to guide you through the proceedings.
- You will never go to court unprepared. Your lawyer will make sure that you are thoroughly prepared for what will happen in the courtroom before you go to court.
- Going to court is not a bad thing. Sometimes it is necessary to get the fair recovery that you deserve and that can make a significant difference for your future.
We understand that your goal is to resolve your personal injury claim as quickly as possible, with as little stress as possible, and without spending too much in personal injury attorneys’ fees. You want to settle your case, and we want to help you do that if it can be done fairly. To discuss your personal injury case, and how to resolve it fairly, please contact us online any time—24/7/365— or by calling 1.800.800.5678 to schedule a free, no-obligation consultation.
How much does it cost to hire a personal injury lawyer?
If you’ve been hurt in an accident or if your loved one has been killed by someone else’s negligence, then you may be worried about money. Your medical bills or your loved one’s funeral expenses may be adding up while you, or your loved one, are unable to work.
Financial Worries Should Not Stop You From Contacting a Personal Injury Lawyer
The legal team at Hupy and Abraham believes that everyone deserves to be represented by an experienced personal injury lawyer regardless of his or her ability to pay a lawyer. You did not cause the accident that hurt you or that killed your loved one, and you should have every opportunity to make a full and fair legal recovery. Accordingly, our law firm:
- Provides free consultations. Your first meeting with us is always absolutely free and you have no obligation to hire us.
- Represents clients on a contingency fee basis. This means that there are no hourly fees. Instead, we are paid a percentage of the settlement or court verdict that you receive. We are not paid until your case is completed, and if there is no recovery then there are no legal fees.
But Are There Other Costs When Hiring A Personal Injury Lawyer?
Yes, there are costs involved in handling your case. These out-of-pocket expenses include filing fees, copies, transcripts, fees for medical records and bills, and other costs. Hupy and Abraham will advance costs on your behalf, but you are then obligated to reimburse costs when your case is completed.
It is very important to understand what fees and costs are involved in handling your case and when you are obligated to reimburse your attorney at the time of recovery. We will review all of this with you before you decide to have us represent you. We will answer all of your questions about how much it will cost you to hire us and about the benefits that we can provide to you.
Your time to file a personal injury case is limited. Accordingly, we invite you to contact us online at any time for more information or call us directly at 1.800.800.5678 to schedule your free, no-obligation consultation.
How should I deal with a workers’ compensation adjuster after an Iowa work-related accident?
If we needed to answer your question with just one word, then that word would be “carefully.”
In most cases, your workers’ compensation benefits will be paid by your employer’s workers’ compensation insurance company. Insurance companies can maximize their profits by paying out as little as possible in insurance claims. Thus, insurance adjusters want to help make their employers profitable, and it is their job to get you and other injured workers to accept as little as possible in a settlement.
Since your goal is not to get as little as possible—but instead to get fair benefits following your injury—it is important to be careful when dealing with an insurance adjuster. Anything that you say to an insurance adjuster may be misconstrued and later used against you. Insurance adjusters may appear genuinely concerned about your recovery and interested in how your injury is impacting your life. Yet you should never lose sight of the fact that you have competing goals.
Instead of talking freely with an insurance adjuster, you should always answer only the question asked of you directly and without providing additional speculation. For example, if the adjuster asks you if the doctor has given you medical clearance to return to work, then you should answer with a yes or no and not with a speculative answer such as, “No, but I expect that the doctor will provide me that information at my next appointment.”
You Don’t Have to Do This Alone
Insurance adjusters are professionals. They know what questions to ask and how to ask them. It can be stressful to deal with them correctly and the consequences of dealing with them incorrectly can be significant.
However, you don’t have to be the one to talk directly with the insurance adjusters about your claim. Instead, if you are represented by a workers’ compensation lawyer, then it is your attorney who will handle all communications with the insurance company and who will make sure that your rights are protected.
If you would like to speak with a lawyer about your claim or to find out more tips for protecting your workers’ compensation case, then we encourage you to contact us via this website or by phone to learn more.
Can I request an independent medical exam after a work-related accident in Iowa?
After a work-related accident, your employer or your employer’s insurance company has the right to pick the doctors who will treat you. However, sometimes you, your employer, or the state may disagree with the findings of the doctors that were originally hired to diagnose and treat you. An independent medical examination may be requested by:
- You or your attorney, if you believe that your permanent disability determination is too low.
- Your employer or employer’s insurer, if they disagree with your doctor.
- The state, if there is a question about your injury.
You may be required to submit to more than one independent medical exam.
What Is an Independent Medical Examination?
As the term suggests, an independent medical exam is one that is conducted by a medical professional who has no ties with you, your attorney, your employer, or your employer’s insurer. The type of exam will depend on the nature of the injury. You have the right to bring a friend or relative with you to the appointment. You should be polite, be truthful, and be cooperative during the examination.
How to Request an Independent Medical Examination
Iowa Code Section 85.39 allows an employee to request an independent medical exam if you have been diagnosed with a permanent disability and you believe that the disability determination is too low. You have the right to request an independent exam at your employer’s expense using Form 100A Original Notice, Petition, Answer and Order Concerning Independent Medical Examination. It is important to fill out this form completely and with all of the required attachments before you serve your employer with it.
If you or any other party is requesting an independent medical examination, then there may be a dispute about your workers’ compensation eligibility or benefits. The resolution of this dispute can have a significant impact on your future. Accordingly, we encourage you to contact our experienced workers’ compensation lawyers today for a free consultation about your rights and for more tips about how to protect your fair workers’ compensation recovery after an Iowa work-related accident.
When should I return to work after a work-related accident?
Before you can decide whether you should return to work after a work-related accident you will need information from your doctor. The doctor who is treating your for your work-related accident will examine you and make a determination. That determination may be that:
- You can go back to your job with no restrictions.
- You can go back to your job as long as certain restrictions are in place.
- You can do other work—with or without restrictions.
- You cannot go back to work at this time.
Following your doctor’s orders and going back to work will not end your workers’ compensation case. Iowa Workers’ Compensation Law requires you to accept work that is suitable for you, given your disability. If you refuse the suitable work, then your workers’ compensation benefits may end.
What Is Suitable?
Many factors go in to determining whether a particular placement is suitable. Things that must be considered include:
- Your injuries.
- Whether the work will interfere with your medical treatment.
- Whether you are qualified to do the work.
- How far the job is from your home.
Before you go back to work it is important to talk to your doctor about your restrictions and to get those restrictions in writing. Bring a copy of the restrictions with you when you report to work and present them to your supervisor.
If you believe that going back to work—either to your old job or a job with other duties—will cause you further physical pain or interfere with your physical recovery, then you should contact a workers’ compensation lawyer immediately. Additionally, if your supervisor is unwilling to comply with the restrictions set forth by your doctor, then you should contact a workers’ compensation lawyer.
Iowa workers’ compensation law encourages workers to go back to work that they can do, but you shouldn’t have to do so at the expense of your health. If you have any questions about what you should do, please call us immediately or start a live chat on this website. We would be pleased to provide you with a free consultation about your rights and with more tips about how to protect your workers’ compensation claim.
When should I report my work-related injury to my employer and how does my employer report my work-related injury to the state of Iowa?
Workers’ compensation benefits—like most insurance recoveries—involve a certain amount of paperwork. You are required to report your injury to your employer, and in turn your employer is required to report your injury to the state.
How to Report Your Injury
You should report your injury to your employer as soon as possible after your accident. If you are unable to make the report, then someone else—such as a spouse or friend—may do so on your behalf.
You have no more than 90 days from the time you knew or should have known that you were hurt in a work-related incident to make your official report to your employer. However, as with any injury claim, it is important to make your report as soon as possible so that you can get medical care and other benefits as soon as possible.
What Should Your Notice Look Like?
Chapter 85, Section 24 of the Iowa Code specifically states that:
“No particular form of notice shall be required, but may be substantially as follows:
You are hereby notified that on or about the … day of …… (month), … (year), personal injury was sustained by ……………, while in your employ at …………… (Give name and place employed and point where located when injury occurred) and that compensation will be claimed therefor.
No variation from this form of notice shall be material if the notice is sufficient to advise the employer that a certain employee, by name, received an injury in the course of employment on or about a specified time, at or near a certain place.”
Thus, you may use the form specified in the statute or any other method that provides the same information.
How Your Employer Will Report Your Injury
You are not responsible for this part of the reporting requirement, but you might be interested to understand how it works.
Employers are required to keep records of any injuries or fatalities that an employee alleges happened in the course of employment and that result in incapacity for more than one day. If the injury results in a temporary disability for a period of more than three days, then the employer must file a report with the workers’ compensation commissioner within four days (excluding Sundays and legal holidays) from when the employer was provided notice of or knew of the incident. If the injury results in a permanent disability or death, then the employer must file a report with the workers’ compensation commission within four days of having notice of or knowledge of the permanent injury or death. Thus, more than one report may be required for a single incident. An employer who fails to comply with the reporting requirements may be fined.
Reporting injuries is just one step in the complicated process of making a fair workers’ compensation recovery. If you have other questions about how a workers’ compensation case works in Iowa or what you should do after a work injury, then we encourage you to contact us directly via this website or by phone for a free and confidential consultation.
Which employers are required to have workers’ compensation insurance in Iowa? What if mine doesn’t?
Iowa employers are required to have a way to compensate their employees for any work-related injuries (with limited exceptions). For the majority of Iowa employers, this means purchasing workers’ compensation insurance from a private insurance company. However, Iowa does provide an alternative to employers who are required by law to have workers’ compensation insurance. Iowa employers who choose not to purchase workers’ compensation from a private insurer may be self-insured, as long as they follow the statutory rules for self-insurance.
What Are Those Rules?
In order to be exempt from purchasing workers’ compensation from a private insurance company, an employer must comply with Section 87.11 of the Iowa Code. That section requires employers to either:
- Provide proof to the insurance commissioner of the employer’s ability to pay the required compensation and benefits to any worker who may be injured and who may be eligible for workers’ compensation benefits; or to
- Hold the security in trust so that it is available should any worker make a legitimate claim.
Employers will be required to provide additional proof periodically as required by the insurance commissioner.
There are also specific rules about when an employer may stop being self-insured.
What If Your Employer Doesn’t Have the Required Workers’ Compensation Insurance?
Your employer could face significant legal problems—including criminal charges—for failing to have the required workers’ compensation insurance.
Your employer’s mistake should not prevent your fair recovery of benefits for a work-related injury, but you will likely need help fighting for the fair recovery that you are owed. If you have been hurt in a work-related accident and you are concerned about whether your employer has workers’ compensation insurance or you have questions about how a workers’ compensation case works, then we encourage you to contact us as soon as possible to set up a free, no-obligation consultation with an experienced lawyer.