Carolina Accident Lawyers

Whose Side is the Insurance Company On?

Whose Side is the Insurance Company On?

On radio and television commercials, it is not uncommon for viewers to be bombarded with insurance company advertisements. Insurance companies often advertise that they will be there for you in the event of a motor vehicle collision or other unexpected emergency. However, despite these claims, insurance companies are rarely working for you or your legal interests. By and large, insurance companies are large businesses that are primarily looking out for themselves.

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Five Insurance Company Tactics Designed to Get You to Settle for Less

Despite what they may say in their radio and television commercials, insurance companies really are not working for you. Insurance companies, like all businesses, are first and foremost interested in profit. By paying out compensation in an accident claim, the insurance company is losing money. Consequently, insurance company adjusters will use every trick in the book to try and undervalue your claim – and to try and get you to settle for less than what your injury case is worth.

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Can the Insurance Company Monitor Your Facebook Feed?

ISocial Media Appsn the age of sharing every last detail of our lives on social media, many people would think that posting after being involved in an accident is not that big of a deal. It is common to not even think twice before posting the most benign details of life online.

When it comes to posting on social media after an accident , there is one very good reason to avoid doing so, however The insurance companies who are attempting to reduce the value of your settlement offer are most likely watching to see if you will anything they can use against you on social media platforms. Their goal is to find information that might hurt your claim. One of the best places to seek out this information is on your Facebook page. A simple screenshot of a post or a comment on your Facebook page can be incredibly damaging as you are going through the claims process. There is nothing preventing a representative at the insurance company from finding your Facebook profile and attempting to dig for information on your page, especially if your profile is set to public.

How to Protect Your Data From the Insurance Companies

Although it is often tempting to share the details of your accident on Facebook, your attorney will most likely advise you to refrain from posting anything. There is simply no reason to give the insurance companies any information that can help them in their attempt to offer you less money for a settlement. 

In order to protect your data from the insurance companies, it is best to simply avoid posting anything at all to Facebook. That said, it is difficult to manage what other people might post to your own Facebook page and this information can be damaging as well. During this time, you might consider closely monitoring your page and making sure to delete any comments that relate to your accident in any way. 

After an accident, it is advisable to completely lock your Facebook page with every security setting in order to prohibit those viewers who are not on your list of accepted friends to look at your page. Better yet, delete your page altogether while you are going through the claims process. You can always reactivate it once you have reached a fair settlement and moved on from the accident. 

Speak with a Skilled North Carolina and South Carolina Personal Injury Attorney Right Away

If you’ve been injured and believe that another party is at-fault, your best course of action is to speak with an experienced attorney who can outline the details of your situation. The more information you can keep private, the better your chances of receiving a fair settlement to compensate for your injuries. The legal process can quickly become complicated and confusing, and Bice Law is here to help. Call us today at 803-639-8777 in South Carolina or 704-243-8778 for those located in North Carolina. We can set up a free initial consultation. You can also contact us online. Don’t delay, reach out today.

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Do You Have to Provide the Insurance Company with a Recorded Statement?

Blue car with dents and smashed headlightA car accident can be a traumatic experience, especially for those who have never been involved in one before. When you’re injured in an accident, the stakes can feel much higher, especially when you are attempting to collect compensation for your injuries. For this reason, it is always advisable to speak with an experienced personal injury lawyer to learn more about your options and the best course of action. 

After an accident, it is very common for insurance companies to start contacting you about your claim. While you are attempting to recover from your injuries, the insurance adjusters are typically working hard to find ways to minimize the value of your claim. Legally, you are not required to provide any insurance company with a recorded statement. There could be something written in your insurance policy that states you are required to provide a statement, but this is unlikely. Still, for this reason, it is always advisable to have your attorney review your insurance policy closely to make sure there are no conflicts if you refuse to provide a statement. 

Issues with Giving a Recorded Statement to the Insurance Companies

Insurance companies are for-profit, meaning that they are focused on making money and reducing the value offered for a settlement. After an accident, one of your priorities is to make sure that you have enough money to pay for current and future medical expenses. Bills can add up quickly, especially if you are unable to work after the accident. 

One of the biggest issues with providing a recorded statement to an insurance company, especially without a lawyer present, is that whatever you say during the interview is permanently recorded and can be used to minimize your payout. While you might believe that you are helping your claim by cooperating with the insurance companies and agreeing to provide a recorded statement, there are many opportunities for error. The smallest detail could change the course of your claim and result in a largely reduced settlement offer. As a general rule, it is best to defer all communication from both your insurance company and the insurance company of the at-fault party to your lawyer. By staying out of this process and letting your attorney do the work, you can focus on resting and recovering from your injury. 

Call an Experienced North & South Carolina Personal Injury Lawyer Today

When you’re in the middle of a claim with an insurance company, it can be difficult to know what information can help or hurt your chances of a fair settlement. For this reason, it is advisable to speak with a skilled attorney who understands the nuances of dealing with insurance agencies. At Bice Law, we are dedicated to fighting for your right for just compensation after an accident. Call Bice Law today at 803-639-8777 for those located in South Carolina or 704-243-8778 for those located in North Carolina. You can also contact us online to schedule a free initial consultation. We are here and ready to help. 

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The Insurance Company is NOT on Your Side after a Car Accident

Blue car with dents and smashed headlight

If you are the victim of a serious car accident, you will quickly realize that the insurance company is not on your side. To the contrary, the insurance company, along with its adjusters and lawyers, will do everything possible to undermine your case and minimize its value.

From a business perspective, this makes complete sense. The insurance company wants to limit its monetary exposure to the greatest extent possible. One way that it does so is by significantly limiting personal injury payouts.

The experienced car accident lawyers at Bice Law understand that insurance companies are never interested in doing the right thing after a serious car accident. Our legal team can review the facts of your accident with you and help you decide on the best strategy for maximizing your case’s value, forcing the insurance company to pay you what you deserve.

Recorded Statements

One way that the insurance company may try to undermine your case is by requesting a recorded statement from you. Accident victims are not required to provide a recorded statement, contrary to what an adjuster may tell you.

You should never agree to provide a recorded statement to another insurance company following your car accident. These recorded statements serve no purpose, other than to potentially gather information which the insurance company can later use against you. You should avoid them at all costs.

Initial Settlement Offers

Following some car accidents, the insurance company will put an extremely low settlement offer on the table, hoping that you will accept it. When it comes to low settlement offers, the insurance company only has its own interests at heart. Adjusters are hoping that you will accept the low offer so that they can dispose of your accident case quickly and remove your file from their desk.

You should never accept an initial settlement offer that an insurance adjuster puts on the table, as there is almost always additional money that can be negotiated.

Settlement Negotiations

Even during additional settlement negotiations, many insurance companies will continue to fight you. In an effort to avoid paying settlement money on your case, they may allege any of the following:

  • That you suffer from preexisting injuries or medical conditions
  • That you were injured in a prior or subsequent accident
  • That your injuries were not all that serious
  • That you did not suffer any permanent injuries
  • That you did not treat immediately after your accident or that there are large gaps in your medical treatment

An experienced Carolina car accident lawyer can negotiate with the insurance company on your behalf and highlight all of the positive aspects of your case.

Call a Carolina Car Accident Lawyer Today

When the insurance company is fighting you every step of the way, the experienced car accident lawyers at Bice Law can help during settlement negotiations and throughout litigation.

To schedule a free consultation and case evaluation with a Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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How Insurance Companies Try to Minimize Settlement Payouts

If you are involved in a serious car accident, chances are you are suffering from injuries and receiving medical treatment. However, when it comes to compensating you, insurance companies are not interested in paying you top dollar for your case. Instead, they are only interested in saving themselves money and keeping as much of it in-house as possible.

In an effort to resolve some car accident cases, the insurance company will offer the accident victim just enough money to make the case go away. It may even be necessary to send a draft lawsuit to the insurance company’s adjuster – or actually file the lawsuit – in order for the insurance company to take the car accident case seriously.

At Bice Law, our experienced legal team understands that insurance companies are not out to help you following a car accident. We are also aware of the common arguments insurance adjusters make in order to avoid paying you the money you deserve. Our attorneys are fully to prepared to negotiate aggressively on your behalf and take the necessary legal steps to maximize your recovery.

Preexisting Injuries

In car accident cases, many insurance companies will try and turn preexisting injuries against you. Specifically, adjusters may argue that your preexisting injury or degenerative condition is the actual cause of your pain and suffering – not the car accident you were involved in.

A Carolina car accident lawyer can turn that argument around. He or she can allege that although you may suffer from a preexisting medical condition or injury, the car accident exacerbated your condition, making it significantly worse.

Gaps in Treatment

If you have significant gaps in your medical treatment following a car accident, insurance adjusters will likely bring that up during settlement negotiations. The adjuster may argue, for example, that given these gaps you were not injured to the extent you are claiming.

In many instances, however, there are justifiable reasons for delaying or resuming medical treatment. Those instances can include:

  • Lack of health insurance coverage
  • Belief that the current medical or physical therapy regimen is not helpin

Prior and Subsequent Car Accidents

If you have been involved in prior or subsequent car accident, the insurance company may try and use those to explain away your current symptoms or injuries. However, just because you were involved in a prior or subsequent accident does not mean that you were not injured in the current accident.

In the case of prior accidents, minor injuries can resolve quickly. Therefore, you may have been asymptomatic during the time immediately preceding your current accident.

Call a North & South Carolina Car Accident Lawyer Today for a Free Case Evaluation

If the insurance company is trying to lowball the settlement value of your case, you need an experienced car accident lawyer on your side. The skilled attorneys at Bice Law can advocate for your right to reasonable and fair compensation.

To schedule a free consultation and case evaluation with an experienced Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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The Insurance Company is NOT on Your Side after a Car Accident

White car that was involved in a serious collision.

If you are the victim of a serious car accident, you will quickly realize that the insurance company is not on your side. The unfortunate reality is that the insurance company, along with its adjusters and lawyers, will do everything possible to undermine your case and minimize its value.

From a business perspective, this makes complete sense. The insurance company wants to limit its monetary exposure to the greatest extent possible. One way that it does so is by significantly limiting personal injury payouts.

The experienced car accident lawyers at Bice Law understand that insurance companies are never interested in doing the right thing after a serious car accident. Our legal team can review the facts of your accident with you and help you decide on the best strategy for maximizing your case’s value, forcing the insurance company to pay you what you deserve.

Recorded Statements

One way that the insurance company may try to undermine your case is by requesting a recorded statement from you. Accident victims are not required to provide a recorded statement, contrary to what an adjuster may tell you.

You should never agree to provide a recorded statement to another insurance company following your car accident. These recorded statements serve no purpose other than to potentially gather information which the insurance company can later use against you. You should avoid them at all costs and call an attorney.

Initial Settlement Offers

Following some car accidents, the insurance company will put an extremely low settlement offer on the table, hoping that you will accept it. When it comes to low settlement offers, the insurance company only has its own interests at heart. Adjusters are hoping that you will accept the low offer so that they can dispose of your accident case quickly and remove your file from their desk.

You should never accept an initial settlement offer that an insurance adjuster puts on the table, as there is almost always additional money that can be negotiated.

 Settlement Negotiations

Even during additional settlement negotiations, many insurance companies will continue to fight you. In an effort to avoid paying settlement money on your case, they may allege any of the following:

  • That you suffer from preexisting injuries or medical conditions
  • That you were injured in a prior or subsequent accident
  • That your injuries were not all that serious
  • That you did not suffer any permanent injuries
  • That you did not treat immediately after your accident or that there are large gaps in your medical treatment

An experienced Carolina car accident lawyer can negotiate with the insurance company on your behalf and highlight all of the positive aspects of your case.

Call a Carolina Car Accident Lawyer Today

When the insurance company is fighting you every step of the way, the experienced car accident lawyers at Bice Law can help during settlement negotiations and throughout litigation.

To schedule a free consultation and case evaluation with a Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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How Insurance Companies Try to Minimize Settlement Payouts

Blue car with dents and smashed headlightIf you are involved in a serious car accident, chances are you are suffering from injuries and receiving medical treatment. However, when it comes to compensating you, insurance companies are not interested in paying you top dollar for your case. Instead, they are only interested in saving themselves money and keeping as much of it in-house as possible.

In an effort to resolve some car accident cases, the insurance company will offer the accident victim just enough money to make the case go away. It may even be necessary to send a draft lawsuit to the insurance company’s adjuster – or actually file the lawsuit – in order for the insurance company to take the car accident case seriously.

At Bice Law, our experienced legal team understands that insurance companies are not out to help you following a car accident. We are also aware of the common arguments insurance adjusters make in order to avoid paying you the money you deserve. Our attorneys are fully to prepared to negotiate aggressively on your behalf and take the necessary legal steps to maximize your recovery.

Preexisting Injuries

In car accident cases, many insurance companies will try and turn preexisting injuries against you. Specifically, adjusters may argue that your preexisting injury or degenerative condition is the actual cause of your pain and suffering – not the car accident you were involved in.

A Carolina car accident lawyer can turn that argument around. He or she can allege that although you may suffer from a preexisting medical condition or injury, the car accident exacerbated your condition, making it significantly worse.

Gaps in Treatment

If you have significant gaps in your medical treatment following a car accident, insurance adjusters will likely bring that up during settlement negotiations. The adjuster may argue, for example, that given these gaps you were not injured to the extent you are claiming.

In many instances, however, there are justifiable reasons for delaying or resuming medical treatment. Those instances can include:

  • Lack of health insurance coverage
  • Belief that the current medical or physical therapy regimen is not helping

Prior and Subsequent Car Accidents

If you have been involved in a prior or subsequent car accident, the insurance company may try and use those to explain away your current symptoms or injuries. However, just because you were involved in a prior or subsequent accident does not mean that you were not injured in the current accident.

In the case of prior accidents, minor injuries can resolve quickly. Therefore, you may have been asymptomatic during the time immediately preceding your current accident.

Call a Carolina Car Accident Lawyer Today

If the insurance company is trying to lowball the settlement value of your case, you need an experienced car accident lawyer on your side. The skilled attorneys at Bice Law can advocate for your right to reasonable and fair compensation.

To schedule a free consultation and case evaluation with an experienced Carolina car accident lawyer, please call us today at 704-243-8778 (North Carolina) or 803-639-8777 (South Carolina), or contact us online.

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Four Things to Do after a South Carolina Car Accident

White car that was involved in a serious collision.

When you’re involved in a car accident caused by someone else, it’s often difficult to figure out what to do next. Unfortunately, the things that you say and do in the days and weeks after a serious crash can have an impact on how much you ultimately recover from the insurance company. Here are four things you can to do to protect your rights in the aftermath of a wreck. For more information, call Bice Law today to schedule a free consultation with a South Carolina car accident attorney.

Collect Information

If you’re able to do so, you should collect information about the way in which your accident occurred. Of course, never refuse medical treatment or ignore your injuries in order to do any of the following. Take pictures of the aftermath of the accident, and document things like:

  • The other driver’s name and insurance information
  • Any road conditions that you think may have contributed to the crash
  • Any damage to the other vehicle that may have existed before the accident
  • Contact information from eyewitnesses

See a Doctor, and Fully Engage in Medical Treatment

You should always see a doctor for a full medical evaluation after an accident, even you were cleared to go home by emergency medical personnel or you do not think that your injuries are that serious. In order to obtain compensation from an insurance company, you need to be able to provide documentation of your injuries – which is much, much easier when you have an official medical record. In addition, follow all of your doctor’s recommendations regarding follow-up care and treatment. If you don’t, you can give the insurance company an opportunity to argue that you are not as hurt as you claim to be.

Do NOT Accept a Settlement without Talking to a Lawyer

One tactic (of many) that insurance companies use to limit their liability is to offer victims a lowball settlement offer before they get a chance to talk to a lawyer. NEVER accept an offer before speaking with an attorney – as once you accept one, it’s nearly impossible to recover more compensation.

Call an Attorney as Soon as You Can after an Accident

Finally, you should call a lawyer as soon as you can after you’ve been injured in a car wreck. If you wait, you risk the loss or destruction of evidence critical to the success of your case. In addition, the sooner you’re represented by counsel, the sooner you can start focusing on the most critical part of the aftermath of an accident – your emotional and physical healing.

Call Bice Law Today to Schedule a Free Consultation with a Car Accident Lawyer in South Carolina

A serious car accident can leave victims with substantial losses, including medical bills, lost income, lost quality of life, and significant physical and emotional pain and suffering.  At Bice Law, we are dedicated to helping our clients get the compensation they deserve and are will never back down to large insurance companies. To schedule a free case evaluation with attorney Justin Bice, call our office today at 803-639-8777 or contact us online.

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Multi-Vehicle Crashes Can Bring Up Complex Legal Issues

Blue car with dents and smashed headlightMany traffic accidents involve one car that collides with another car, and identifying the at-fault driver is relatively straightforward. However, some accidents involve multiple vehicles of different types, causing injuries to many motorists. In these cases, several parties may be to blame and may be liable for injuries to others. Determining liability in multi-vehicle crashes can be a complicated endeavor, and it is critical for any injured accident victims to discuss their rights with a skilled North Carolina personal injury lawyer as soon as possible.

Five-Vehicle Crash in North Charleston

Last month, a chain reaction crash occurred on I-26 in North Charleston, injuring three people and tragically killing one driver. As eastbound traffic slowed due to congestion, an Audi SUV, a pickup truck, and two tractor-trailers all collided. One semi-truck and the SUV then caught fire. A fifth vehicle was already pulled over on the shoulder and debris flew from the crash and hit that car.

Emergency personnel pronounced the driver of the SUV dead at the scene of the crash. At least two other people rode in ambulances to the hospital for treatment of their injuries. Reports do not indicate what caused the crash, only that authorities were investigating.

Who is Liable for Your Injuries?

If another party acted negligently and caused a crash, that party should be liable for your medical expenses and other accident-related losses. Such losses can be extensive and may include:

  • Past and future medical treatment costs
  • Past and future lost income
  • Permanent injuries or disabilities
  • Permanent impairment
  • Pain and suffering
  • Wrongful death

Negligence occurs when a party breaches a duty of care, such as the duty to drive in a reasonably safe manner, and causes harm to others. Drivers can be negligent in many different ways that may lead to multi-vehicle crashes, including:

  • Distracted driving
  • Drunk driving
  • Road rage and aggressive driving
  • Speeding
  • Running red lights or stop signs
  • Dangerous passing
  • Drowsy driving
  • Violating any other traffic laws
  • For truck drivers, violating any Federal Motor Carrier Safety Administration (FMCSA) regulations

In multi-vehicle accidents, it is common for more than one driver to be negligent. For example, one driver may be intoxicated and may run a red light. A driver heading through the intersection may be texting and may not notice the drunk driver quickly enough to prevent a collision. The collision then sends the distracted driver’s vehicle crashing into another vehicle in the intersection. While it is always illegal and dangerous to drive drunk, the texting driver also violated the law and acted negligently. Therefore, under a doctrine known as joint and several liability, both drivers may be held liable for damages if someone in the third car sustained serious injuries.

Contact Our North and South Carolina Car Accident Lawyer for a Free Consultation Today

The above is only one example of how complex claims arising from multi-car accidents can be. Every accident is unique and an experienced you should always have an experienced personal injury lawyer evaluate your rights and options. Bice Law LLC represents injured clients throughout North Carolina and South Carolina. Please do not hesitate to call (855) 500-BICE or provide information about your situation via our online contact form.

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