My Husband Made The Call
Accidents are not planned for, nor do they happen at a time when it is convenient. Accidents, by definition are random events that happen without warning. These events can be life-changing, and financially devastating.
I was on my way to work. It was a typical day, just the same old routine. Get up, get my husband out the door, prepare my children for school, get them out the door, while getting ready to go to work myself. I left on time, and was looking forward to an easy day.
Where the other driver came from I do not know. The accident itself took maybe three seconds to occur. All I really remember is the loud noise of being cut out of the car, and the realization that I may in fact die.
My injuries were extensive. I could spend hours telling you about every bump, bruise, broken bone and damaged organ. However, I will get to the main point, my recovery was going to take an extensive period of time and it was not going to be easy.
My husband told me while I was still in the hospital that he had contacted a personal injury attorney. I tried to protest. How could we afford an attorney when I am in the hospital and not working? We were already struggling to get by with two incomes.
He told me that the personal injury lawyer worked on contingency, which meant that he would only get paid when and if we won the case. He told me that someone from the law office would be coming to the hospital to talk to me, and that they would be able to help us once I consent to representation.
I had never dealt with a Lawyer before, and must admit that it added stress to my already painful situation.
When the representative arrived at the hospital, I was really amazed at how nice he was. He was considerate and patient with me when I tried to talk about the accident and injuries without crying. He listened to every detail, and he took notes on everything that I said. He asked if I wanted representation from their firm, and once I agreed, had me sign the paperwork to get things started.
The first thing that I noticed was the change in my medical care. It was almost instant. Prior to signing with the lawyer it seemed like the hospital was not truly interested in my injuries. I seemed more of a burden than a patient. Once I had representation, it seemed like I started receiving top quality care and therapy for my injuries. Coincidence? I am not sure.
My personal injury attorney was quick to demand that the insurance company pay for quality care for my injuries, and not just enough care for me to get by. The exact term used was “make whole again.” I was a little uneasy at the thought of not being “whole,” but grateful for the medical treatment that was easing the pain.
Throughout the process, my attorney aggressively worked with my doctors and the insurance company to determine the outcome of my injuries. My tax attorney asked the hard questions concerning lifelong disabilities or lifelong therapy. He asked if I would be able to return to work. He asked if I would recover completely.
These were questions I did not want to ask, and ones I was not sure if I wanted the answers. I was in so much discomfort; I could not imagine staying that way forever.
My attorney took care of everything associated with my car. The car was damaged beyond repair, but it still had a monthly payment. My attorney worked with the insurer to pay off the car, and there was even some left over so I could make a down payment on a new car when I was able.
As my case progressed, my attorney came to a settlement agreement with the insurer of the other driver. They took into account everything that I would need in the future, as well as covered all my current expenses. I would have continued medical care, and I would receive compensation for lost wages, both past and future that were associated with this accident.
Once all parties were in agreement, I signed the papers and the case was over. My attorney subtracted his fees from my settlement, and I went back to working on my recovery.
If my husband would not have called that personal injury attorney that day, I am not sure that I would be in as good of condition as I am now. It made a difference in my medical treatment, and it helped my family financially.