Click on the links below to view the answers:
What is the most important thing for me to do after my injury?
How do I pay my medical bills?
How does my lawyer make sure that the doctors and medical facilities will get paid?
Why won't the insurance company for the person or company who caused my injuries automatically pay my medical bills as they occur?
How do I keep track of all my bills?
How will you handle my case?
How can I help you with my case?
Why do I have to sign so many forms?
How will my lawyer be paid and what is a contingent fee agreement?
What other costs will there be in addition to the attorneys' fees?
What will the insurance company for the person, persons or company who caused my injury do about my claim?
Should I communicate with or contact the insurance company for the person who caused my injuries?
Will the insurance company for the person who caused my injuries dispute my claim?
What can I do to convince the insurance company that my claim is valid?
When will my case settle?
How much is my case worth?
Who determines the settlement value of my case?
After attorneys' fees, medical bills, liens, and costs, will there be anything left for me?
What happens if the insurance company does not meet our settlement range and the case does not settle?
How does a lawsuit affect me?
Is it possible that my case will settle before trial?
What is the most important thing for me to do after my injury? TOP Claims will come and go but you will have your body for the rest of your life. Therefore, the most important thing for you to do, quite simply, is to recover from your injury. The law requires you to do that which is necessary to improve your physical condition and recover from your injury. For you this may mean some, or all, of the following steps: a. Do not miss appointments with your doctor. Go to your appointments. If you have to cancel, notify the doctor or physical therapist with as much notice as possible. The words "no show" on a doctor's record sheet can be used against you at the time of settlement or trial. b. Do what your doctor tells you to do. If your physician prescribes certain medications or limitations on activities, be sure to follow your doctor's orders. Failure to follow your doctor's advice can be used against you when it comes time to settle your case, or can be used against you in court if your claim proceeds to litigation. c. Follow your doctor's advice with respect to work and leisure activities. If your physician advises you to rest, stay home from work, or avoid certain activities, it is important that you follow such advice. If you resist your doctor's advice and do activities that have been limited, it will not only prevent a speedy recovery, but could also affect the legal aspects of your case. Even though staying out of work may have an impact financially, it is important that you follow such advice. I will attempt to recover any lost earnings.
How do I pay my medical bills? TOP I can discuss the payment of your medical bills with you. In summary, your medical bills may be paid by one of the following methods: a. Your own health insurance. b. Medical payments insurance coverage from your own automobile policy if you were driving your automobile and were involved in an automobile collision. c. Medical payments insurance coverage from the person you were riding with if you were a passenger in an automobile that has automobile insurance coverage. d. Your own personal funds if you were not insured and are able to pay medical bills as they are incurred.e. Workers' compensation insurance if your injury occurred while you were working on the job and the injury occurred as a result of your employment. f. The liability insurance coverage for the person, persons or company who caused your injuries. Such insurance coverage will most likely be paid at the time of settlement rather than during the period that you incur such medical bills.
How does my lawyer make sure that the doctors and medical facilities will get paid? TOP
I have a policy of withholding money from the settlement or court verdict to pay doctors and medical facilities. Many doctors and medical facilities require that the patient/client sign a form (usually called a subrogation or lien form) which allows the attorney to withhold enough money to pay medical bills directly from the insurance settlement proceeds. Why won't the insurance company for the person or company who caused my injuries automatically pay my medical bills as they occur? TOP Despite their promises of handling your claim quickly and fairly, most insurance companies for the tort fees or (the person, persons or company who caused your injuries) will not automatically pay medical bills as they occur. There are many reasons for this. One reason is that they do not want to spend a substantial amount of money for medical bills and then be faced with an unreasonable or excessive demand at the time of final settlement. Secondly, most insurance companies want to conclude or settle the claim with one sum of money. Therefore, most liability insurance companies will try to conclude the case all at once with one payment. How do I keep track of all my bills? TOP One of the most important things for you to do is to keep an accurate record of your medical bills. This is how you do it: a. Ask for an itemized statement each time you see a doctor or facility. Maintain a record of your visits and make sure that you obtain a medical bill for each visit to your doctor, hospital, physical therapist or medical facility. b. Save all prescription bills. Be sure to save copies of your prescriptions and drugstore charges for medicine that you purchase as a result of your injury. c. Be sure that your lawyer receives a copy of each medical bill, prescription bill, or other bill related to your injury. It is important for me to receive copies of all your medical bills as well as a copy of your medical bill summary when your case is ready for settlement. Even though I may receive copies of bills directly from the medical facilities, a double-check process will assure that your claim settles for the maximum value. d. Keep a record of medical bills even if they are processed through a health insurance carrier.
Even if your medical bills are paid by a health insurance company or your employer, you must still maintain copies for yourself and be sure to get copies to me. How will you handle my case? TOP After initial meetings with you, I will investigate your claim. This usually requires a review of some or all of the following: a. Witness statements. b. Police reports. c. A possible visit to the scene of the incident. d. A review of appropriate statutory law (laws enacted by your legislature). e. A review of appropriate case law (laws made by judges who interpret statutory law). f. A review of all medical reports. g. A review of all medical bills. h. The possible hiring of an investigator to investigate the details of the incident.
After the initial investigation and contact with the insurance company, I will maintain contact with you to make sure of the following: a. That you are following the advice of your physicians and other medical practitioners. b. That you are doing your best to improve from your injury. c. That you are providing me with copies of all medical bills and other expenses related to the incident. d. That you are providing records of loss of income from your job. e. That you are keeping track of potential witnesses in your case.
How can I help you with my case? TOP The most important thing for you to do is to provide documentation of your medical bills, expenses and loss of income from your employment. The following is a list of things that will also help me with your claim. a. Read all correspondence from me. b. Keep all appointments with medical facilities. c. Maintain a file and record of witnesses, medical bills, lost wages, and other expenses associated with the injury. d. Take photographs as instructed by me and maintain copies and negatives of such pictures. e. Notify me immediately of any change of address, telephone numbers, marital status, change of employment or drastic change in your physical condition. f. Answer all questions posed by me truthfully and candidly. g. Sign all forms requested by me.
Why do I have to sign so many forms? TOP Doctors, hospitals, employers, and other establishments will not release personal information about you without signed written authorizations. It is against the law, in most instances, to release information about a person, to anyone, including your lawyer, without formal documentation. Therefore, I will ask you to sign such authorization forms which will allow me to retrieve important information about you. How will my lawyer be paid and what is a contingent fee agreement? TOP My fee is based on what I recover for you. If you don't recover, you don't pay any attorney's fees. In almost all cases, I will be paid by keeping a percentage of the final settlement or court award resulting from your claim. The percentage will be discussed with you and will be the subject of what is called a contingent fee agreement. The law requires a written contract which specifies the fee I will charge so there will be no misunderstanding about how much your case will cost. My contingent fee agreements provide that you do not have to pay me for my services unless, and until, the case is settled or is resolved by a court verdict in your favor. What other costs will there be in addition to the attorneys' fees? TOP My fee is based upon my work, time, effort and expertise. My fee also encompasses certain office overhead such as secretarial time, rent, files, and other built-in costs. However, there are also additional out-of-pocket expenses that are incurred specifically as a result of your case. Some of these expenses include the following: a. Fees that doctors and hospitals charge for medical reports. Such reports may cost anywhere from a few dollars for simple copies to $100 or more for reports that have to be written or prepared specifically by your doctor. b. Photocopy charges. Insurance companies require significant numbers of copies of medical bills, medical reports, police reports, witness statements, and lost income information. c. Costs of photographs. Photographs are extremely important in personal injury cases and if your attorney incurs expense in having photos obtained or enlarged, you will be responsible for such costs. d. Reports of experts. Reports from experts other than physicians may be required in your case and, if so, you will have to pay the costs that such experts charge for their reports. d. Litigation costs. If your case has to proceed to suit or litigation, there will be costs incurred as a result of the filing of such a lawsuit.
What will the insurance company for the person, persons or company who caused my injury do about my claim? TOP After the insurance company has been notified about the claim, a file is established on you and your case. An insurance claims adjuster is assigned to your file by a claims manager or claims supervisor. The supervisor may assign different adjusters to your case as it progresses. The insurance claims adjuster responsible for your file will maintain contact with your lawyer. The adjuster will also perform an independent investigation of your claim to ascertain the following: a. Who is at fault in your case. b. Whether or not you bear any fault for your own injuries. This is also referred to as comparative negligence. c. The contents of police reports, Department of Motor Vehicle reports, and any other investigative reports that have been filed in the case.
After the initial investigation, the claims adjuster will request medical reports and any other reports dealing with your injuries. The adjuster will also review documents about your time lost from work. Most importantly, the insurance claims adjuster will want to receive accurate records of your medical bills, prescription bills, hospital bills, therapy bills, and any other actual expenses incurred as a result of your injury. That is why it is very important for you to maintain an accurate account of your medical bills, lost wages, and other expenses which result from your injury. Should I communicate with or contact the insurance company for the person who caused my injuries? TOP Absolutely not! Under no circumstances should you contact the insurance company once you have retained an attorney. If you contact the other person's insurance company, for any reason, you could ruin your entire case with one question or one statement. Secondly, because you are now represented by a lawyer, the insurance company, in most states, is absolutely prohibited from having any personal contact with you for any reason. Will the insurance company for the person who caused my injuries dispute my claim? TOP Count on it. They don't make billions of dollars a year by paying out large sums of money on claims. Insurance companies usually dispute the following types of claims: a. Claim in which the fault rests with someone other than their insured. This could mean you or someone else involved in the incident who may have caused your injuries rather than the person who is insured by the insurance company. b. Claims in which the insurance company and its representatives do not believe that you are injured, or that you were injured as badly as you claim. For this reason, documentation of medical bills, lost wages, and other expenses are extremely important to establish credibility and the existence of your injury. c. Cases in which you or your witnesses have lied, exaggerated, or fabricated the nature and extent of your injury or how the incident occurred.
What can I do to convince the insurance company that my claim is valid? TOP As stated above, the most important thing you can do is to recover as quickly as possible from your injury. Insurance company personnel tend to believe those people who actively try to recover from their injuries. That is why you must cooperate with your doctor, physical therapist and other personnel who are trying to help you improve from your injury. Secondly, insurance companies believe those people who can document their injuries through medical bills, credible medical reports and accurate lost wage information that is neither exaggerated nor subject to dispute and interpretation. Thirdly, insurance companies usually settle cases easier with those clients who have been in active contact and cooperation with their attorney. In summary, it is important for you to try to get better, keep an accurate record of your expenses, and cooperate with your lawyer and his or her staff. When will my case settle? TOP It is impossible in the early stages of a personal injury claim to predict when that particular claim will actually settle. Some cases settle in a matter of months after the injury while others can take years to get to settlement or trial. I will wait until you have completed recovery from your injury or have at least come close to recovery before trying to settle your case. It is important to know the following before your case is settled: a. What is the total of all medical bills? b. Will any further medical treatment be necessary? c. If further medical treatment is necessary, what is the prediction of its cost? d. Are any of your injuries permanent? e. If any of the injuries are permanent, how do such permanent injuries affect your earning capacity? f. What was your total loss of income and what other employment benefits were lost because of the injury? g. Is it likely that you will lose any further income as a result of your injury?
There are other factors that must be taken into consideration before settlement. As the case progresses, I will have some idea as to the approximate time that the case may be appropriate for settlement. How much is my case worth? TOP Every accident claim is different and must be evaluated on the basis of the specific facts of that claim. If you are injured in an automobile accident caused by another, you are entitled to recover the following: income loss, medical expenses, and general damages (including pain and suffering).
Income Loss
If you miss work due to the accident, you are entitled to recover your lost wages. You are also entitled to recover lost wages for time you miss due to treatment for your injuries. The right to be reimbursed for lost wages applies whether you have a full-time or part-time job, regular or occasional employment. Using up sick leave or vacation pay is considered the same as losing the pay itself since you would have been entitled to use the vacation time or sick leave at another time of your choice. If you are self-employed, it becomes little more difficult to document your wage loss. However, you are still entitled to be compensated for your loss of net earnings caused by the accident. Medical Expenses You are entitled to recover reasonable medical expenses incurred as a result of accident related injuries. These expenses may include prescriptions, doctor bills, hospital bills, ambulance bills, treatment by physical therapists, and other medical providers. (Medical expenses and wage loss are sometimes referred to as "economic damages.") General Damages General damages is a term used to describe compensation for pain and suffering, permanent disability and emotional damages. (Sometimes it is called "non-economic damages.") Pain and suffering is a very subjective part of a claim, and opinions about the value are even more subjective. We rely on many factors in estimating the value of a claim.
FACTORS CONSIDERED IN EVALUATING A CLAIM
There are numerous variables, which can make a claim worth more or less money for purposes of settlement. While most claims settle without a lawsuit being filed or a case going to trial, part of evaluating a claim is based on projecting what the outcome of a jury trial would be. Therefore, I attempt to determine what the probable jury verdict would be if the case went to court. Although jury awards can vary significantly there are special factors used to determine the likely jury award and the settlement value of your claim. All of these factors must be evaluated together to estimate the value of a case. State and County Where the Case Will Be Tried Generally, lawsuits are filed in the state and county where the accident occurred or where the defendant resides. Where the case is tried frequently influences the size of the jury award. You may have heard, for example, of the high jury awards in the state of California. By comparison, jury awards in the Pacific Northwest tend to be smaller. Similarly, jury verdicts within each state vary by county. Jury awards tend to be higher in larger metropolitan areas than they are in the smaller, more rural counties. Juries in Middle Tennessee tend to be conservative in awarding damages. Likeability of Plaintiff and Defendant Your likeability is another factor. A sincere and honest claimant elicits more sympathy than one who appears, abrasive, difficult or greedy. Similarly, the likeability of the defendant is important. What kind of impression does he or she make? Does he or she have a chip on their shoulder or are they very remorseful that the accident happened? If the accident happened because the defendant was drunk, a jury could award you more money in order to punish the negligent driver and make a point that drunk driving is not tolerated. Juries tend to award more money to plaintiff's they like and punish negative behavior by defendants. A jury is more likely to be sympathetic to your claim if they believe you are presenting an accurate picture of the accident and not exaggerating your injuries. Objective vs. Subjective Injuries Jury awards are higher for clients who have "objective" injuries compared to those clients who have "subjective" injuries. Objective injuries can be verified in a way other than the client's complaints. For example, a broken leg can be verified by an x-ray. The jury can be shown the x-ray and see the fracture themselves. In these cases, the jury will generally believe that an injury exists. Many injuries arising from auto accidents are subjective. These are the injuries a client describes to the doctor, such as, "My neck is stiff and sore." It is difficult to objectively verify these injuries since muscle strains or sprains cannot be seen on x-ray. A jury or a panel of arbiters might feel that an injury is exaggerated when there are no objective findings to support the injured person's complaints. This is not to say that the plaintiff is not injured, as muscular injuries can be very troublesome and long lasting. However, the plaintiff always runs the risk that a jury may not believe that an injury exists or that it is less severe than the client describes. Another factor may be whether your doctor prescribes medications. For example, the need for pain or anti-inflammatory medication indicates the injured victim is suffering from pain, inflammation or other symptoms. The type of medication and length of use may indicate seriousness of suffering. Permanent Injuries / Disability Awards for permanent injuries are greater than awards for injuries that diminish with time. Generally, the longer it takes to recover, the greater the award. We would expect a jury to award more in a neck injury case where it takes two years for a client to recover than one that has a recovery period of two months. Larger jury awards occur in cases where a doctor testifies the client has permanent injuries that will last for the rest of the client's life. It is not enough for the client to predict they will suffer the rest of their life. The court will require that prediction to be substantiated by a medical expert. Type of Injury Soft tissue: Soft tissue injuries are the most common injuries from auto accidents and include sprains and strains of the muscles and/or ligaments of the neck, back, shoulder, knees or other parts of the body. Insurance companies consider sprains and strains less serious because they are not usually expected to be permanent or life impairing, regardless of how painful they may be. Also, sprains and strains are difficult to prove because they are not visible and cannot be objectively verified by x-ray. Dislocations, separations, and ligament or cartilage tears: These injuries can cause more pain and have a longer recovery time than a strain or sprain. Even when the healing time and pain is the same as a sprains these injuries are generally considered more serious. Fractures: There are many types of fractures. If an x-ray shows even a minor fracture of a bone, including a chip or crack, the value of the claim increases. The particular bone that is fractured and the seriousness of the fracture influences the amount of the recovery. As an example, a person with a fractured rib may return to a desk job, whereas a person with a fractured arm who is employed as a construction worker may be unable to work for several months. Spinal disc or vertebrae injury: If the accident results in either a herniated or bulging disc of the neck or back, a spinal nerve may be affected. X-rays, an MRI or other diagnostic imaging tests call reveal an abnormality either in a disc or in the space between vertebrae. Disc injuries may require long periods of conservative care or ultimately, surgery. Discomfort or lack of mobility may persist or recur as a person gets older. The degree and extent of injury, type of treatment, and time of recovery influences the value of spinal injuries. Wounds and scars: Any tear or cut serious enough to require treatment, including stitches, increases the value of a claim. If the wound leaves a permanent scar, the value increases even more. The value can vary substantially between the facial scarring of a young female, and scarring that is not normally visible on an older male. Also considered is whether the scar can be surgically revised, and what impact the scar has on the persons life: facial scarring on a model would be valued higher due to the effect on his or her career. Amputations, brain damage, and catastrophic injuries: Amputations include the removal of a fingertip or an entire limb. A brain injury can affect certain mental and bodily functions, or leave a person totally incapacitated. The effects of these injuries may last a long time and can even recur after recovery seems to be complete. Paralysis usually results from spinal cord damage. These injuries result in lifetime medical treatment and loss of earning capacity. These claims have a high value. Wrongful death: Physical and emotional suffering before death, the accident victim's occupation, age, sex, and marital status influence the value of this type of claim. These claims have substantial value. Psychological damage: Injuries can cause depression, stress, and tension among family members. The relationship between psychological damage and physical injuries is now becoming more accepted. However, in order to claim psychological damage, a psychologist or other therapist must involved in the diagnosis and treatment of the condition. Effects on Work and Lifestyle Jury awards are higher when injuries have a permanent effect on a clients life than when there are only short-term effects. If injuries cause a client to be unable to work (or need retraining for a new job) jury awards are higher than in cases where injuries affect a client's ability to engage in sports or recreational activities. Diagnosis of Injuries Injuries must be diagnosed before treatment can begin. Most injuries are simple to diagnose and the charge for diagnostic services is a small percentage of the total medical bills. Sometimes, numerous costly tests are performed before a diagnosis is made. In these cases, the insurance company may not view the total medical expenses as accurately reflecting the injured victim's pain and suffering. Type and Effectiveness of Treatment Insurance companies, and to a lesser extent juries, tend to favor mainstream Western medical treatment over alternative medical practitioners. Alternative practitioners (including chiropractors, naturopaths, massage therapists, acupuncturists, acupressurists and herbalists) may be effective in treating injuries, but normally insurance companies do not consider this type of treatment legitimate. These expenses will probably be reimbursed by insurance companies, but you should be aware that pain and suffering compensation may be lower than if treatment was provided by a medical doctor, orthopedist, neurologist or prescribed physical therapist. Nonetheless, it is important for you to seek the treatment you feel comfortable with and believe will benefit your recovery the most. Frequency and Length of Treatment Juries usually feel that a client who is hurting from their injuries will seek treatment. Generally, treatment that is immediate and continues for a long period of time until the medical provider indicates you are either well or medically stable, is considered stronger evidence of injury and will be valued at a higher amount. The insurance company views treatment of short duration to indicate less serious injuries. A client who claims serious injuries with great effects on their home and work life will be viewed suspiciously if the client never went to the doctor. If treatment is not sought at all after an accident, injuries will be regarded as minor or nonexistent. If treatment is not sought for a significant period of time after an accident, the claim may be viewed as suspect. On the other hand, a jury will have no sympathy for a client with minor injuries who went to the doctor daily in order to "drum up the claims." Insurance companies may view long term chiropractic treatment as excessive, believing chiropractors sometimes treat more often than necessary. In other words, the insurance company will not view long periods of chiropractic treatment as legitimate an indicator of the seriousness of an injury as the same amount of treatment with a medical doctor. Length of Recovery When evaluating pain and suffering, insurance companies will consider how long it took for the injuries to resolve or stabilize. The higher the frequency, severity and duration of pain, the greater the pain and suffering. The insurance company looks at whether your injury required ongoing attention and the number of times you saw the doctor. If you keep your doctor informed about your progress, any continuing pain, discomfort, muscle spasms, limited range of motion or immobility you have had, should be noted in your medical records. Amount of Medical Bills Generally, the larger the amount of bills directly related to medical treatment, the higher the jury award, assuming the jury concludes that the treatment was reasonable and necessary. Jury verdict research indicates that jury awards are higher if the medical treatment is done by medical doctors, hospitals and physical therapists versus chiropractors, naturopaths, and acupuncturists (as noted above). Amount of Wage Loss The larger the amount of verifiable wage loss the higher the jury awards. Your wage loss must be verified by your employer or supported by your tax return. You must also have written authorization from your doctor for the time you are unable to work. Amount of Property Damage Although it is certainly possible to sustain a significant injury with relatively minor damage to your vehicle, juries tend to award larger verdicts if there is significant damage to the cars involved. Since we live in a society that is very visually oriented, a juror being able to see property damage increases the likelihood that juror will conclude an injury has occurred. Who determines the settlement value of my case? TOP I have a great deal of experience in the area of personal injury law. After evaluating all of the factors enumerated in question 2 above, I will discuss the case with you to arrive at a possible settlement range. Once you have agreed upon a general settlement range, I will present a demand to the insurance company in the hope and expectation that the insurance company will pay a settlement within the range determined. It is important to know that you have the ultimate decision to make, but, because of I have experience in this area of law, you should seriously and carefully consider any recommendation I makes as to the ultimate value of your case. After attorneys' fees, medical bills, liens, and costs, will there be anything left for me? TOP In most cases there should be a fair sum of money left for you to compensate you for pain, suffering, and some loss of income. There are many factors influencing settlements. Such factors include the amount of your medical bills, whether those medical bills have to be paid from the settlement, whether you actually lost income from your job or used sick leave, etc. If you have to pay all of your medical bills from your settlement or reimburse a health or medical payments carrier, this will substantially affect the final amount. You must remember that the law allows you to be compensated for your injury to give you compensation for lost wages, medical bills, and a reasonable amount for pain and suffering. The law does not provide that injured parties "get rich" from insurance claims, especially in small cases. I will do my best to see that you get fair compensation for your injuries. What happens if the insurance company does not meet our settlement range and the case does not settle? TOP If the insurance company will not offer a fair amount to settle your case, it may be necessary to begin a lawsuit. This is also referred to as litigation. The lawsuit will usually be brought against the person, persons, or company who caused your injuries and not against the insurance company unless the case is an uninsured or underinsured motorist case. How does a lawsuit affect me? TOP If a lawsuit becomes necessary, I will explain in detail what you will have to do. Usually the process takes the following steps: a. After final investigation and preparation, I will file a claim in court by preparing what is known as a Summons and Complaint. This is usually done in my office without your involvement. b. The Summons and Complaint are served upon the person, persons, or company who caused your injuries, and the responsible party is referred to as the defendant. You will be called the plaintiff. c. After the defendant is served with the complaint, the insurance company will hire a lawyer to defend the lawsuit and that lawyer will file what is known as an Answer to the Complaint. The Answer usually denies responsibility for the injuries, denies the extent of your injuries, and may possibly seek to bring in other parties who might have been involved in the incident which caused your injuries. d. A process is started called discovery in which both sides seek information from each other. You will be involved in this process. The process includes some or all of the following: 1. Questions, called "interrogatories," which require written answers. 2. Oral testimony from you and other parties called "depositions." Such testimony takes place in front of the lawyers with a court reporter who takes down the questions and answers in order to prepare a transcript. 3. "Requests for production of documents" in which the lawyers ask for medical reports, witness statements, medical bills, and other documents relating to the case. In most cases, your lawyer will have to send such documents to the other lawyer even if they have already been supplied to the insurance company. 4. "Requests for admissions" which is a process that requires the parties to narrow the issues by admitting certain facts that are not in dispute. 5. Pretrial procedures such as motions in court and other tactics that process the case to trial. 6. Preparation for trial including possible video depositions of your doctors, meeting with witnesses, writing briefs, and appearances of your attorney before the trial judge. 7. The trial, finally, if your case does not settle before the trial date.
Is it possible that my case will settle before trial? TOP Yes. Many cases settle during the lawsuit process while a small minority of cases have to proceed all the way through trial. It is impossible to predict when or if any particular case will settle.
Your case is very important to you. As my client, it is important to me also. In today's society, insurance companies have a lot of power, money and influence. It is important for you to have a positive attitude throughout your case. This requires making an active effort to recover from your injuries. Be honest about your case with everyone involved. The Constitution of the United States, state laws and fairness dictate that injured victims should be compensated for their injuries. Place your faith, confidence, and trust in me and in yourself and together we will obtain justice. | 
