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What To Expect When Filing an Insurance Claim

The process of obtaining the money you are entitled to from your insurance company can be lengthy and frustrating. Additional complications arise when dealing with third parties, such as insurance companies because they do not always have your best interest at heart. To ensure that you receive compensation for your injuries, you should contact one of our personal injury attorneys who will advocate on your behalf. Here is what you can expect when filing a personal injury insurance claim: Identify the Type of Insurance Claim The first step is to determine what type of claim you wish to file. At Morefield, Speicher & Bachman, we deal with various types of claims related to personal injuries. Here are some of the main ones we assist with: Car, Truck, and Motorcycle Injuries Defective Products Premises Liability Injuries Uninsured and Underinsured Motorist Claims After determining the type of claim you have, it is time to file it. When to File Your Claim You should file an insurance claim as soon as possible, especially if anyone was injured or you aren’t sure who is at fault. Time is of the essence. Different time limits known as statutes of limitation apply to different types of claims. The deadlines are different in each state. Regardless of the deadline, a good rule of thumb is to make your claim as soon as possible. In the event that you wait to file, it becomes much more likely that your insurer may deny your claim. Dos and Don’ts Your first step should be to contact a personal injury lawyer. There are times when your insurance company will tell you that you don’t need legal counsel. You should be wary of that advice because they will always act in their own best interests instead of yours. They may hope that you will resolve your claim for less than it is worth if you do not have an experienced lawyer on your side. Early on, it is imperative to have your lawyer contact all parties involved, gather evidence, be familiar with the statute of limitations, and make sure you have filed a police report (if appropriate).  It is important to note that no matter how much you believe that you are at fault, you should not admit fault to your insurer. Ultimately, the parties’ relative fault is a factual and legal issue and it will be resolved through negotiation by your lawyer with the insurance company or it will be resolved at trial. Statements you make to the insurance company can be used against you at trial and can result in a jury assigning more fault to you than you deserve based on the facts of the case. Our Personal Injury Lawyers Can Help It is best to consult with an insurance claims lawyer as soon as possible. There are adjusters and corporate lawyers working around the clock to undermine your claim. Insurance companies will work tirelessly to save themselves money. Do not let them make you a victim a second time by underpaying your claim. For a free, confidential case evaluation, contact Morefield, Speicher & Bachman at (913)-839-2808.

The Best Lawyers in America 2023

The Best Lawyers in America has released the results of its 2023 survey, with MSB Attorneys Rick Morefield and Sue Becker both earning recognition! Rick Morefield was recognized in The Best Lawyers in America® 2023 for work in: Personal Injury Litigation – Plaintiffs Sue Becker Recognized in Best Lawyers: Ones to Watch in America 2023 for work in: Personal Injury Litigation – Plaintiffs Selection is based on a peer-review survey, in which leading lawyers evaluate each other’s legal abilities in their specialties. The 2023 edition is based on more than 9.4 million evaluations and recognizes just over 67,000 attorneys in 147 practice areas.   Rick Morefield For over 35 years, Rick Morefield has guided his clients through all phases of litigation including trials, mediation, and appeals. He practices primarily in the areas of personal injury, wrongful death, traumatic brain injury, and business litigation. Rick knew he wanted to be a trial lawyer after joining the debate team in high school. He loves the challenge of helping his clients put their best foot forward in the courtroom, in mediation, and in negotiations with other parties. Learn more about Rick.   Sue Becker Sue Becker graduated from the University of Missouri-Kansas City School of Law in 2012. In her own words, “My passion is to help people by offering them hope and resolution during difficult situations. I believe that each of us has something to offer the world and so we should do our best to use our talents and skills to assist those who cross our path. Practical and compassionate guidance is what everyone needs at some point in life, so I strive to offer that to my clients. Often legal issues become personal issues that greatly affect the health and well-being of everyone involved in a dispute which is why we work hard to bring a positive resolution as quickly as possible.” Learn more about Sue.   The peer-reviewed listings of Best Lawyers are now published in over 70 countries, and their influence in the international legal community has grown significantly. Since it was first published in 1983, Best Lawyers® has gained worldwide recognition as the definitive guide to legal achievement.

Delivery Truck Accidents During The Holidays — What You Need To Know

During the holiday season, drivers face many dangers. Even the most experienced drivers are challenged by winter conditions like poor visibility and icy roads. But there is another danger that presents itself this time of year, and you’ve probably noticed it right outside your window.  The holidays are a time of hustle and bustle, especially for delivery and commercial trucks. Right this moment there is a parade of UPS, Amazon, FedEx, USPS, and other commercial trucks out delivering gifts and necessities during the holiday rush.  During this holiday season, it is estimated that 99% of consumers will do some of their shopping online while over 50% will do most of it online. This will translate to more than a billion packages delivered this holiday season. Under the pressure of meeting deadlines and trying to empty their trucks, many delivery workers will drive too fast or become drowsy and inattentive. The combination of these factors can increase the chance of truck accidents, which are very often fatal.  Fortunately, there are several things that you can do to drive safely this holiday season. Stay Alert Whenever you are driving, keep an eye on what is ahead and behind you. Don’t let phones, electronic devices, or passengers distract you while driving. Don’t assume neighborhoods are safe zones. Although speed limits may be lower in residential areas, many drivers pay less attention when driving in neighborhoods, especially those they live and drive in on a regular basis. Studies reported by the National Highway Traffic Safety Administration (NHTSA) showed that approximately 52% of all car accidents occur within a five-mile radius of home.  Give Trucks Plenty of Space Delivery trucks often make quick, unexpected stops. Keep a safe distance from the truck to avoid a crash. Make sure to give plenty of space to large semis, box trucks, or delivery trucks. Due to their size, large trucks have longer stopping distances and are more difficult to maneuver, so allowing them room reduces the risk of an accident. Avoid Blind Spots When you approach commercial and delivery trucks, do your best to stay out of their blind spots. Federal Motor Carrier Safety Administration (FMCSA) reports that commercial vehicles have blind spots directly to their left, right, front, and back. As a rule of thumb, if you cannot see the driver in the mirror, he or she cannot see you either. Use Caution When Passing Before passing a truck that has stopped to make a delivery, make sure the driver is out of your way before proceeding. Do not pass while going around a corner, or up and down a hill. Wait until you see the truck in your rearview mirror before merging back into your lane. What to Do After An Accident With A Delivery Truck? This holiday season, you cannot totally eliminate your risk of being involved in a commercial truck accident. Here’s what you should do to protect your rights in the event of a collision: Seek Safety And Attend To Any Injuries The first thing you should do after a truck accident is to seek safety and take note of any injuries you have sustained. If you are physically able, it is imperative that you contact the police and gather as much information as possible about the truck accident. Obtain Truck Driver Information and Registration As soon as you are able to, you must get the contact, registration and insurance information of the other driver. Gather as many details as you can about the truck, the trucking company, and the driver. A police officer or a passenger in your vehicle can gather information on your behalf if you are physically incapable. However, it is best not to rely solely on a police report as it may not provide all the details you will need to prove your claim.  Preserve The Evidence Make sure statements of any eyewitnesses are taken as soon as possible. We can help with this. We know what to ask and how to ask the questions necessary to find out what happened. It is better to have a third party, such as your lawyer, take statements to avoid confrontations with the other driver. Research conducted by both legal scholars and psychologists suggests that human memory can be very flawed. As time passes, stories can lose important details or become distorted by bias. Getting statements on video is another great way to record the events for future reference. Take pictures of the vehicles that were involved, the accident scene, your injuries, and anything else that may be relevant to your claim.  See A Doctor Although you may think you have not been injured or that your injury is only minor, it is still crucial to visit a medical professional. Often symptoms do not appear until hours or days later. You may also overlook or underestimate your injuries due to the adrenaline and stress of a collision. Documenting the injuries you sustained is important when it comes to making an insurance claim. Contact An Attorney Immediately Do not accept any offers from the truck company or the insurance company without consulting an attorney first. The insurance company is not your friend, and neither is the truck driver’s employer. The settlement they offer may not be sufficient to compensate you for your injuries, medical care, property damage, and lost wages.  Around the holiday season, it is also a common practice for large retailers to rent out moving trucks to supplement their delivery fleet. Ever try to move around the holidays? It very quickly becomes impossible to find moving truck availability because so many are being rented out to deliver packages. This adds another level of liability in determining who is responsible for compensating you for damages to your health or vehicle.  Our Overland Park Truck Accident Lawyers Can Help You with Your Truck Accident With decades of experience helping Kansas City and Missouri residents who suffered severe truck accident injuries, our Overland Park truck accident lawyers are here to help. The level