Insurance Claims & Litigation
Personal injury cases are scary for both injured parties and those who caused an injury by accident. When an individual has been injured through the negligence of another person or business, they often face medical bills, time off of work, and a loss of the ability to do things that they could do before the accident. If an individual or business has been sued as the result of an accident, there is often the fear that liability for damages will lead to bankruptcy.
Insurance coverage often helps address the fears of both the injured and responsible parties. For the injured party, a responsible party’s liability insurance (such as automobile, homeowners, or commercial insurance) will pay for damages for which the responsible party is legally liable, and those same policies often pay for the costs of an attorney to represent the responsible party in court.
However, insurance companies often try to settle a claim with injured parties, who don’t have an attorney, for far less than the fair value of the case. Alternatively, they will sometimes deny coverage or issue a “reservation of rights” for a responsible party based on an exclusion in the liability insurance policy. For this reason, it is often advisable for a person or business involved in a personal injury accident to have an independent insurance attorney advise them of their rights and represent their interests, if necessary.
At Keech Law Firm, our attorneys have experience representing both injured parties and those responsible for causing injuries. If you have been injured due to the fault of another, we can help you work with the responsible party or their insurance company to recover the compensation you deserve. If the insurance company has denied your liability claim or reserved its right to do so, even if they have assigned an attorney to represent you, we can work with that attorney and your insurance company to help protect your interests.
Most services for injured parties are performed on a “contingency fee” basis, meaning that the client pays no out of pocket costs, and only owes a fee out of money recovered on his or her behalf. While denial of claim representation is provided on an hourly fee basis, if the insurance company has wrongfully denied your claim, then you are often entitled to a recovery of the attorneys’ fees you incurred.
It is rarely advisable to represent yourself in an injury case, whether you are the injured party or the responsible party. Keech Law Firm can assist you with your injury case.