Personal Injury and Insurance Claims Attorneys (2024)

This video from Kellum Law Firm discusses five hidden tactics that insurance companies use to reduce your personal injury claim –

1. Quick Settlement Offers:
   • Insurance companies often offer a speedy settlement to tempt you into accepting less than your claim’s full value. They hope you’ll settle before you fully understand the extent of your damages.
2. Surveillance Trap:
   • Insurance companies may monitor your activities, including social media, to find evidence that contradicts your injury claims. They might take things out of context to undermine your case.
3. Confusing Paperwork:
   • Insurers send over complicated legal documents to overwhelm and confuse you, making it easier for them to include unfavorable clauses or terms. Always have a professional review any paperwork.
4. Questioning Your Medical Treatment:
   • Insurers might question the necessity or duration of your treatments to devalue your claim. They often suggest that your treatment is excessive or not related to the accident.
5. Pre-Existing Conditions Argument:
   • Insurance companies dig into your medical history looking for pre-existing conditions to blame for your injuries. This tactic can significantly reduce your compensation if not properly managed.

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For more guidance and expert advice, contact our personal injury attorneys here to schedule a free consultation. “We’re With You All The Way”.

This video from Kellum Law Firm provides tips for personal injury victims considering legal action following an accident:

1. Avoid Social Media:

   • Impact on Claim: Posting about your accident or injuries can negatively affect your claim. Insurance adjusters and opposing attorneys may use your posts to contest your case, often misinterpreting your words or activities.
   • Privacy Assumption: Assume you do not have privacy on sites like Facebook. Stay off social media if you plan to seek compensation for your injuries.

2. Be Cautious with Insurance Representatives:

   • Insurance Company’s Interest: Insurance representatives work on behalf of the insurance company and may use information you provide to deny your claim.
   • Avoid Admitting Fault or Signing Documents: Do not admit fault or sign any documents from insurance companies without consulting a lawyer.

3. Find an Adept Attorney:

   • Specialization: Seek legal representation specialized in personal injury with experience in cases similar to yours.
   • Indicators of Capability: Review their track record, client reviews, and approach to personal injury claims to ensure they can effectively manage your case.

4. Understand the Full Scope of Damages:

   • Recoverable Damages: Beyond medical bills and lost earnings, you may be entitled to compensation for pain and suffering, emotional distress, and in certain cases, punitive damages.
   • Role of an Experienced Attorney: An experienced attorney can help you understand and secure full and fair compensation.

5. Importance of Legal Representation:

   • Higher Settlements: Individuals with legal representation consistently secure substantially higher settlements.
   • Legal Expertise: A proficient personal injury attorney understands the complexities of the law, negotiates with insurance companies, advocates on your behalf, and if necessary, represents you in court.

Watch the video for more information. For assistance filing a personal injury claim, contact Kellum Law Firm.

The video addresses slip and fall accidents on public property:

Video Summary:

1. Common Causes of Slips and Falls in Public Spaces:

   • Uneven Pavements: Cracks, gaps, or uneven surfaces can pose tripping hazards.
   • Poor Lighting: Insufficient lighting in public areas increases the risk of accidents, especially at night.
   • Inadequate Signage: Lack of proper signage warning of potential dangers, such as wet surfaces or ongoing maintenance work.
   • Negligent Snow and Ice Removal: Failure to promptly address snow and ice accumulation during winter months.
   • Defective Infrastructure: Poorly maintained handrails, steps, or other infrastructure issues.

2. Steps to Take After a Slip and Fall Accident:

   • Seek Medical Attention: Prioritize your health by seeking immediate medical attention for any injuries sustained.
   • Document the Scene: Take photographs of the area where the accident occurred, highlighting any hazards or dangerous conditions.
   • Collect Witness Statements: Obtain contact information and statements from any witnesses to strengthen your case.
   • Preserve Evidence: Keep relevant evidence, such as the shoes or clothing worn during the accident.
   • Report the Incident: Notify local authorities or the city council about the accident and request an official report.
   • Consult with an Attorney: Seek legal counsel from an experienced personal injury attorney specializing in premises liability cases.

3. Proving Negligence and Filing a Lawsuit:

   • Proving Negligence: Your attorney will need to demonstrate that the city was negligent in maintaining safe public spaces, which may involve proving that the city knew or should have known about the hazardous condition but failed to address it.
   • Filing a Lawsuit: If negotiations with the city for fair compensation are unsuccessful, your attorney will help you file a lawsuit against the city for inadequate maintenance.

Taking a proactive approach and enlisting the support of a skilled personal injury attorney can increase your chances of holding the city accountable and obtaining the compensation you deserve.

The video from Kellum Law Firm debunks common myths and misunderstandings surrounding personal injury cases:

Video Summary:

1. Myth 1: You Have to Go to Court:

   • Reality: Most personal injury cases are resolved through negotiations and settlements without ever going to court. Going to court is often a last resort.

2. Myth 2: Only Severe Injuries Deserve Compensation:

   • Reality: Even minor injuries can significantly impact your life. You may be entitled to compensation for medical expenses, pain, and suffering.

3. Myth 3: You Can’t Afford an Attorney:

   • Reality: Most personal injury attorneys, including those at Kellum Law Firm, work on a contingency fee basis, meaning you only pay if they win your case. This allows you to afford quality legal representation without upfront costs.

4. Myth 4: Insurance Will Take Care of Everything:

   • Reality: While insurance provides compensation, their goal is to minimize payouts. Having an attorney ensures you’re not taken advantage of and receive the full compensation you deserve.

5. Myth 5: You Have Plenty of Time to File a Claim:

   • Reality: The statute of limitations sets a legal deadline for filing a personal injury lawsuit. Waiting too long can jeopardize your case, so it’s crucial to act promptly.

6. Myth 6: Personal Injury Cases Drag on Forever:

   • Reality: While some complex cases may take time, many are resolved quickly and efficiently. Your attorney will work to bring your case to a resolution as quickly as possible without sacrificing the compensation you deserve.

7. Myth 7: Personal Injury Cases Are Easy to Handle Alone:

   • Reality: The legal process is complex, and insurance companies have teams of professionals working against your interests. Having an experienced attorney by your side levels the playing field and ensures your rights are protected.

Separating fact from fiction is crucial when considering legal action for personal injury. Kellum Law Firm provides clarity and guidance through the legal process. For more information, visit Kellum Law Firm.

The video explains common legal jargon related to personal injury cases:

Video Summary:

1. Liability:
   • Refers to the legal responsibility for an accident or injury. Establishing liability is key to determining who should compensate the injured party.
2. Negligence:
   • Means the failure to act with reasonable care, leading to harm. Proving negligence is often central to personal injury claims.
3. Damages:
   • The monetary compensation sought by the injured party, including compensation for medical expenses, lost wages, and pain and suffering.
4. Statute of Limitations:
   • The time limit for filing a personal injury lawsuit. Filing outside this window can result in losing the right to seek compensation. Different states have different statutes of limitations.
5. Burden of Proof:
   • The responsibility to provide sufficient evidence to support a legal claim. In personal injury cases, the plaintiff typically bears the burden of proving that the defendant’s actions were negligent and directly caused the injuries.
6. Subrogation:
   • Involves an insurance company seeking reimbursem*nt for payments made to or on behalf of an insured individual. For example, if an insurance company compensates its policyholder for damages caused by a third party, the insurance company may have the right to pursue reimbursem*nt from the responsible party.

Understanding these terms helps you navigate the complexities of personal injury cases. An experienced personal injury attorney can handle the legal intricacies, allowing you to focus on your recovery.

The video offers guidance on choosing the right personal injury lawyer for your case:

Video Summary:

1. Experience and Specialization:

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   • Ensure the lawyer has a substantial background in personal injury law and specializes in cases similar to yours. Avoid lawyers who primarily focus on other areas of law.

2. Track Record of Success:

   • Look for a track record of successful outcomes in cases similar to yours. Check their website for settlements awarded.

3. Client Testimonials and Reviews:

   • Check client testimonials and online reviews to gauge the lawyer’s reputation. Positive feedback and a good standing in the legal community can indicate reliability.

4. Effective Communication:

   • Choose a lawyer who is responsive, transparent, and can explain legal complexities in a way that is easy to understand. Feeling heard and informed is vital during a legal process.

5. Robust Legal Team and Resources:

   • Ensure the lawyer has the necessary support to investigate, gather evidence, and build a strong case.

6. Litigation Experience:

   • Ensure your lawyer has extensive experience taking personal injury cases to trial, as litigation may be necessary in contested cases or where higher damages are sought.

7. Fee Structure:

   • Understand the lawyer’s fee structure upfront. Many personal injury lawyers work on a contingency fee basis, meaning they only get paid if you win your case.

8. Free Case Review:

   • Find a local firm that offers a free case review without any obligation to retain their services. Use this opportunity to determine if you are comfortable being represented by the attorney.

Choosing the right personal injury lawyer is a crucial decision. Kellum Law Firm understands the intricacies of North Carolina personal injury law and is committed to supporting clients from the initial consultation to the resolution of their case.

Our experienced attorneys can help you settle a claim and ensure you receive full compensation for personal injury and property damage.

For more information, visit Kellum Law Firm “We’re With You All The Way”

This video discusses the impact of social media on personal injury cases:

1. How Social Media Can Help:
   • Documenting Injuries: Using social media to document and share information about your injuries can serve as evidence that strengthens your case. Posting updates, pictures, and videos related to your injuries can show the court the real impact of the injury on your life.
   • Gathering Evidence: Your attorney may use social media to gather evidence from the opposing party, potentially finding posts or pictures that contradict the other party’s claims.
2. How Social Media Can Hurt:
   • Oversharing: Posting about activities that could be interpreted as inconsistent with your claimed injuries can harm your case. Insurance companies and opposing counsel may use your social media posts against you, arguing that your injuries aren’t as severe as you’ve presented them to be.
   • Pictures and Videos: Even if taken before the injury occurred, pictures or videos showing you engaging in physical activities can be misconstrued.
   • Discussing the Case: Avoid sharing any details about the case itself or discussing it on social media, as such discussions can compromise your case’s confidentiality.
3. Privacy Settings:
   • Adjust Privacy Settings: Limit who can view your posts and information. Think twice before accepting new friend requests, especially from people you don’t know personally.
   • Sharing Location: Be cautious when sharing your location, as it can be used to establish your whereabouts at specific times.

Social media can play a significant role in your personal injury case. When used wisely, it can be a valuable tool for documenting and supporting your claims. However, it can also be a double-edged sword if not handled with caution. Be mindful of what you share, adjust your privacy settings, and always consult with your attorney regarding your social media activity during your personal injury case.

Our experienced attorneys can help you settle a claim and ensure you receive full compensation for personal injury and property damage.

For more information, visit Kellum Law Firm “We’re With You All The Way”

This video from Kellum Law Firm discusses the important decision of negotiating a settlement versus pursuing litigation in a personal injury case:

Video Summary:

1. Negotiating a Settlement:

   • Pros:
     • Faster Resolution: Settlements typically resolve cases more quickly than going to court, allowing you to get compensated sooner.
     • Cost-Effective: Negotiating often incurs fewer legal fees, potentially saving you money in the long run.
     • Certainty: With a settlement, the outcome is within your control, providing a level of certainty about the result.
   • Cons:
     • Lower Compensation: Settlements may result in lower compensation compared to litigation.
     • Compromise: Negotiation may involve compromises on the amount or terms of the agreement.

2. Litigating Your Claim:

   • Pros:
     • Potential for Higher Compensation: Litigation can result in larger compensation if you win the case or receive a judgment in your favor.
     • Legal Protections: The court process provides legal protections and ensures your case is decided according to the law.
     • Justice and Accountability: Litigation may be necessary to hold the responsible party accountable for their actions.
   • Cons:
     • Lengthy Process: Litigation can be a long and time-consuming process, often taking several months or even years.
     • Higher Costs: Legal fees and court expenses can be more substantial in litigation cases.

3. Factors to Consider:

   • Injury Severity: If your injuries are severe and the damage is significant, litigation may be the best option to ensure adequate compensation.
   • Evidence: The strength of your evidence can impact your decision. Solid evidence may make negotiations more effective.
   • Opposing Party: The party you’re seeking compensation from can influence your decision, as some parties may be more willing to negotiate than others.
   • Your Goals: Consider what you hope to achieve, whether it’s speedy compensation or holding the responsible party accountable.

At Kellum Law Firm, the team is dedicated to guiding clients through the decision-making process, analyzing each case, assessing goals, and helping choose the best path aligned with the client’s interests.

For more information, visit Kellum Law Firm. Our experienced attorneys can help you settle a claim and ensure you receive full compensation for personal injury claims.

“We’re With You All The Way”

This video from Kellum Law Firm provides guidance on dealing with insurance companies following an accident, emphasizing key tips and common pitfalls to avoid:

Part 1: Tips for Dealing with Insurance Companies

1. Know Your Rights:

   • Understand that you have the right to fair compensation for your injuries and damages in North Carolina.

2. Document Everything:

   • Take photos and videos of the accident scene, gather witness information, and keep all medical records and bills. Detailed records strengthen your case.

3. Keep Communication Records:

   • Maintain records of all communication with the insurance company, witnesses, and the other party, including emails, letters, and phone calls.

4. Avoid Providing Recorded Statements:

   • Do not provide recorded statements to the insurance company without legal counsel, as they may use your words against you later. Consult with a personal injury attorney first.

5. Understand Your Insurance Policy:

   • Familiarize yourself with coverage options on your policy that can help with medical bills, such as medical payments coverage.

6. Keep a Detailed Journal:

   • Document your accident-related experiences, including pain levels, doctor visits, and the impact of your injuries on daily life. This provides valuable evidence for your pain and suffering.

7. Be Wary of Quick Settlements:

   • Insurance companies may offer quick settlements to tempt you into accepting a low offer. Consult with an attorney to assess the fairness of any settlement offer before accepting.

Part 2: Common Pitfalls to Avoid

1. Accepting Initial Settlement Offers Too Quickly:

   • These offers are often lower than what you may be entitled to. Always consult with an attorney before agreeing to any settlement.

2. Failing to Consult with an Experienced Attorney:

   • Personal injury attorneys help you understand your rights, negotiate on your behalf, and ensure you’re not taken advantage of by insurance companies.

3. Ignoring Deadlines:

   • Be aware of the statute of limitations for your specific situation and file your claim on time.

4. Delaying Medical Treatment:

   • Seek medical attention promptly, even if your injury seems minor. A documented medical history is vital for your case.

5. Sharing on Social Media:

   • Avoid posting about the accident or your injuries on social media, as insurance companies may use your posts against you. Limit your online activity related to the accident.

Dealing with insurance companies can be complex, but with the right knowledge and legal support, you can protect your rights and secure the compensation you deserve. If you’ve been injured in an accident in North Carolina, contact Kellum Law Firm for legal assistance.

Our experienced attorneys can help you settle a claim and ensure you receive full compensation for personal injury claims.

“We’re With You All The Way”

This video from Kellum Law Firm addresses frequently asked questions about the personal injury claim process:

Video Summary:

Overview of the Personal Injury Claim Process

1. Consultation:

   • Schedule a free initial consultation with an experienced attorney to discuss your case, gather essential details, and assess the validity of your claim.

2. Investigation:

   • The legal team conducts a thorough investigation, collecting evidence, speaking to witnesses, reviewing medical records, and assessing the full extent of your injuries.

3. Negotiation:

   • The attorney negotiates with insurance companies or responsible parties to reach a fair settlement, prioritizing your best interests and fighting for maximum compensation.

4. Litigation:

   • If a fair settlement cannot be reached, the case may go to court. The experienced trial attorneys at Kellum Law Firm will advocate for you in front of a judge and jury.

Frequently Asked Questions

1. Do I have a valid personal injury claim?

   • A valid claim requires proving that another party’s negligence or wrongful actions caused your injuries. During the initial consultation, the attorney will assess the facts and circ*mstances to determine the claim’s validity. North Carolina follows contributory negligence, meaning if you contributed to your injuries in any way, you might be barred from recovering compensation. Exceptions exist, and these are considered during the initial assessment.

2. How long do I have to file a claim?

   • The statute of limitations in North Carolina is generally three years from the date of the incident or two years for wrongful death cases. Exceptions may apply, so seeking legal advice promptly is crucial to avoid missing deadlines.

3. Will my case go to court?

   • Most personal injury claims are resolved through settlements. If a fair settlement cannot be reached, or if litigation is in your best interest, the case may go to court. Kellum Law Firm will communicate transparently about the best course of action.

4. What damages can I claim?

   • You may be eligible to claim various damages, including:
     • Medical expenses (past, present, and future)
     • Lost wages
     • Pain and suffering
     • Property damage
     • Punitive damages in cases of extreme recklessness or intentional harm

5. How long will the process take?

   • The duration varies based on case complexity, cooperation of involved parties, and the extent of injuries and treatment. Some cases resolve in weeks or months, while others may take longer, especially if litigation is necessary. The priority is to resolve efficiently while achieving the best outcome.

6. How much does hiring a personal injury attorney cost?

   • Kellum Law Firm works on a contingency fee basis, meaning no upfront costs or retainer fees. The firm only gets paid if they successfully secure compensation for you. If they don’t win, you owe nothing.

7. How much is my case worth?

   • Determining the exact worth of a case requires careful analysis of various factors. The legal team will assess the full extent of your damages to pursue the maximum compensation you deserve.

Kellum Law Firm is dedicated to supporting and fighting for clients every step of the way. If you or a loved one has suffered injuries due to someone else’s negligence, contact them for a free consultation to seek the justice and compensation you deserve.

Our experienced attorneys can help you settle a claim and ensure you receive full compensation for personal injury case in North Carolina.

“We’re With You All The Way”