Articles Posted in Liens

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1.No presentar un informe policial

La presentación de un informe policial es esencial para mantener un caso sólido. Al proporcionar la documentación del accidente, el informe policial permite un relato imparcial del incidente por parte de un tercero. Legitima la reclamación de la víctima, a la vez que proporciona pruebas efectivas en comparación con los rumores de la víctima o del demandante.

2.No buscar atención médica

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1. Not Filing a Police Report

  • Filing a police report is essential in maintaining a strong case. By providing documentation of the accident, the police report allows for an unbiased third-party account of the incident. It legitimizes the claim the victim has, while also providing effectual evidence in comparison to hearsay from either the victim or the plaintiff.

2. Not Seeking Medical Attention

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Insurance companies like to play games with innocent injury victims. Don’t fall for their tricks and traps. Here are seven insider secrets insurance adjusters don’t want you to know about. 

  1. When Insurance companies tell you that their offer is final, they are not telling you the truth. Nearly every adjuster can get additional settlement authority from a supervisor to settle a case. 
  2. You do NOT have to sign anything. Never sign something an insurance adjuster sends to you without having it first reviewed by an attorney. 
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Cuando se trata de reclamaciones por la causa de accidentes, tener cuidado es esencial ya que la decisión equivocada podría destruir tu reclamo. Como abogado que ha estado representando a víctimas de lesiones personales durante casi dos décadas, me he acostumbrado a cómo funciona el proceso en casos como estos, conocidos como los 5 pecados capitales. 

Para empezar, el primer pecado mortal es asumir que la compañía de seguros está de su lado. Las compañías de seguros están en el negocio con el fin de hacer dinero. A menudo, dificultan el pago a las víctimas de lesiones. Las compañías de seguros sólo te tomarán en serio a ti y a tu caso una vez que se muestren pruebas y sea evidente que vas en serio. La mejor manera de hacerlo es contratar a un abogado para que te ayude, suponiendo que necesite uno para su caso. 

El segundo pecado mortal es dar a la compañía de seguros una declaración grabada. Esto debe evitarse siempre, sin embargo, si usted ya ha dado una declaración grabada a la compañía de seguros, podemos ayudar a deshacer cualquier daño que la declaración grabada puede haber causado a su reclamo.

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When it comes to accident claims, being careful is essential- and the wrong move could wreck your accident claim. As an attorney who’s been representing personal injury victims for nearly two decades-I’ve become accustomed to how the game works in cases like these, known as the 5 Deadly Sins. 

To begin, the first deadly sin is assuming the insurance company is on your side. Insurance companies are in the business of making money. They will often make it difficult to pay money out to deserving injury victims. Insurance companies will only take you and your case seriously once proof is shown and it’s evident that you mean business. The best way to do this is to hire an attorney to help you, assuming you need one for your case. 

The second deadly sin is giving the insurance company a recorded statement. This should be avoided at all costs, however, if you have already given a recorded statement to the insurance company, we can help undo any damage the recorded statement may have caused to your claim.

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Al respecto, cuando se compra un coche o se alquila un apartamento, hay que tener en cuenta muchas cosas, como el seguro, la calidad, el vecindario, etc. Es lo mismo a la hora de contratar a un abogado. Así como es importante contratar al abogado correcto, también es importante no equivocarse de representante. Hay algunas cosas en las que uno se debe fijar cuando está buscando el abogado adecuado. 

Para empezar, ¿tiene el abogado un historial de quejas éticas? Si es así, quizás sea el momento de buscar otro abogado. Hay una gran cantidad de abogados que no tienen ningún cargo disciplinario presentado contra ellos. Siempre, revise el sitio web “www.massbbo.org’‘ para buscar un abogado que le interese y guste, para representarse. Si él o ella tiene un historial disciplinario manchado, puede ser una señal mala e indicación que debería seguir buscando otro abogado. 

En segundo lugar, ¿le promete el abogado un acuerdo rápido? Eso también puede ser una señal de alarma, no hay duda de que los casos de lesiones personales y de compensación de los trabajadores pueden tomar un tiempo considerable para resolver, a veces el proceso puede tomar muchos meses y a veces incluso años para resolver un caso. Cualquier abogado que le diga lo contrario, no está siendo sincero con usted. 

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Oftentimes when a person living in Massachusetts is injured in a slip and fall, and has Mass Health coverage, Mass Health will have a lien for any money they paid toward your medical bills for treatment related to the accident.  That means that before you can get your money out of your slip and fall settlement, Mass Health must be paid back.  Usually, Mass Health will negotiate a bit to take into account that your attorney is taking part of the settlement and that there are likely some expenses as well that were incurred in bringing the case forward.  Usually, however, Mass Health does not significantly reduce their liens against Massachusetts slip and fall case settlements. 

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Millions of Americans have Medicare health insurance coverage.  Oftentimes however, when a Medicare beneficiary is involved in a personal injury event, dealing with Medicare can be a tedious and interminable process.

By law, Medicare has an automatic lien for any medical bills they paid out on your behalf in connection with medical treatment you received stemming from a personal injury case.  There is no way to avoid such a lien, and myself, and thousands of personal injury attorneys throughout America deal with the Medicare behemoth daily.

Therefore, if you have been injured in an accident in Massachusetts, or any other state, and you are a Medicare beneficiary, your attorney (or yourself if you are pro se) will have to work with Medicare to see to it that their lien is satisfied out of any settlement or verdict proceeds.  Because even if a case is concluded, Medicare can still pursue the beneficiary, and even the attorney, if Medicare discovers their lien was not satisfied.

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Many people in Massachusetts have health coverage through Blue Cross Blue Shield. Following a personal injury event (car accident, slip and fall, etc.) Blue Cross may pay a portion of your medical bills. If you receive a settlement at the end of your case, then Blue Cross has the legal right to obtain from you its share of money they paid to your medical providers on your behalf. This right arises from the contract of insurance that you have with Blue Cross. In my experience working with Blue Cross, they will typically reduce their lien by 10%. Therefore, if you are involved in a personal injury accident in Massachusetts, and you have Blue Cross insurance coverage, expect to pay them back for the medical bills they paid on your behalf, out of your settlement.

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Health Insurance Liens and Your Personal Injury Case

If you have been involved in a personal injury accident in Massachusetts, and your health insurance company has paid some, or all of your medical bills relating to your accident, then they are entitled to be paid back if you receive a settlement.  The money they are paid back comes out of the settlement.

This is often referred to as a ‘lien’ or a ‘right of recovery’ that your health insurance carrier has, by law, against the money that you recover from the accident.  Often, your attorney can reduce the amount that you owe to the health insurance carrier.  Many times, the health insurance carrier will take a 1/3 reduction of their lien to reflect the attorney’s fee that you must pay out of the settlement.  At times, the 1/3 reduction of the health insurance lien can be reduced even more by your attorney.

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