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You’ve Been Injured: Now What?

You’ve Been Injured: Now What?

 

If you have been injured recently, either in a car accident, a slip and fall, or by a healthcare professional, you are probably wondering a few things.  How could this have happened?  Who is responsible?  Is there any way to get help with my medical expenses?  The answers to these questions are not always simple.  However, there are a few things that you should do in order to preserve your rights.

 

First, do not accept a quick check from an insurance company.  More often than not, insurance companies will attempt to cover only a portion of what you are entitled to.  This is especially true if you are not represented by an attorney.  By accepting a quick check, you are waiving any rights that you might have to pursue a claim against an insurance company.  If you are unsure of whether you might have a claim, consult an attorney who offers a free initial consultation.  The attorney will be able to advise you of your rights at no cost to you.

 

Second, and relatedly, do not simply take an insurance company at face value.  If you begin negotiating with an insurance company, the company may make certain representations that may or may not be true.  Recently, in a case handled by our firm, an insurance adjuster told a young woman that she would not be able to recover damages for lost wages because she was paid in cash.  This statement absolutely misrepresents the law in New Mexico and was an attempt to get the insurance company out for less money than was owed.  It is always advisable to be represented by an attorney when negotiating with an insurance adjuster.

 

Third, seek treatment for your injuries.  If you do not seek appropriate treatment, the extent of your injuries may later be called into question.  If you cannot afford treatment, get an attorney.  Having an attorney will allow you to seek medical treatment under something known as a “letter of protection.”  This document essentially promises to pay providers out of any settlement or judgment you may receive and will allow you to get necessary medical care even if you cannot afford it.

 

All in all, it is certainly advisable to discuss your options with a licensed personal injury attorney.  Contact our office to schedule a free initial consultation.

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