Preparing A Strong Personal Injury Defense
When defending against car accident claims, having a seasoned personal injury defense attorney with extensive experience in auto accident defense is critical. When every case is unique, your legal representation should have an experience that spans a variety of cases, including rear-end collisions, multivehicle accidents, minor impact cases with claimed injuries, catastrophic injury claims, fatal accident cases, DUI-related accident liability and anything else you may be dealing with.
The Miami office of the Law Office of Robert R. Coulombe Jr. is dedicated to providing robust defense for clients facing personal injury claims. We understand the complexities of negligence defense and work tirelessly to protect our clients’ interests. We thoroughly utilize medical record analysis and accident reconstruction to protect you from any exaggerated injuries and malingering claims. As your legal representation, we will help you understand the details of your situation while pursuing the ideal outcome in your situation.
Identifying Your Coverage Limits
A critical misconception among many clients is the belief that having “full coverage” insurance means they are completely protected against all financial consequences of an accident. This belief can lead to surprise when you learn that your policy only covers $25,000 of a $100,000 claim. Every insurance policy has its coverage limits, and we can review yours to confirm what you can expect from your policy for medical bills, property damage or other claims.
When your policy coverage runs out, you may be on the hook for the remaining costs. A seemingly minor accident resulting in $100,000 of medical bills against a $10,000 policy puts the defendant’s assets – home, savings and future earnings – at risk. Our goal is to protect you from the costs of this gap in coverage.
Policy Limits And Litigation Strategy
Policy limits fundamentally dictate settlement negotiations and litigation strategy in personal injury defense. When policy limits are significantly lower than claimed damages, it becomes our role to minimize the exposure you are facing. We will scrutinize the details of your case to challenge the causation of the injuries or damages and speculate the necessity of any medical treatments or how preexisting conditions may have played into the situation. While we do this, we will also seek to negotiate a settlement that can keep you from facing severe financial hardship.
Giving You The Information You Need
While you are going through this situation, you may also have questions that need answers. As we represent you, you can turn to us for the answers you are looking for, including questions such as:
What happens if I’m being sued for more than my insurance policy covers?
If you are sued for more than your policy covers, you could be personally liable for the difference between the total damages from the claim and what your insurance will cover.
How can I defend against claims when the accident appeared minor, but the plaintiff claims serious injuries?
Defense strategies include scrutinizing medical records for preexisting conditions, using surveillance evidence and employing accident reconstruction to contest exaggerated claims.
What is my role in the defense process when my insurance company provides an attorney?
Your role is to cooperate fully, providing all necessary information and documents while staying informed and involved in your defense strategy discussions.
Start Building A Defense Strategy Today
Our firm offers comprehensive defense strategies for those facing personal injury claims to protect your assets and reputation with a custom-tailored catastrophic injury defense, slip-and-fall defense, and punitive damages defense.
Call our Miami office at 305-990-8055 or email us here today to schedule your initial consultation.