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There is a good reason why car insurance claims adjusters start out nice in their conversations with you after an accident.  They are nice when they want things...such as all of your medical records dating back to birth, recorded statements, your social security number, and other information that car insurance companies are not legally entitled to.  The more information they get from you before you are educated on what your legal rights are, the more ammunition the adjuster has to use against you when it comes time to discussing the value of your accident injury claim for compensation.

One tactic that is being used more frequently by auto insurance claims adjusters is the 'low-ball quick settlement offer.'  You get a call within 48 hours of an accident and the claims adjuster asks you details about your injuries.  If the injuries you have sustained are soft-tissue injury, the adjuster smells blood in the water.  Why?  Because claims adjusters know that soft-tissue injuries such as whiplash, lumbar strain, cervical sprains, and other injuries are often your body telling you that there is actually something wrong with the discs in your spine.  But before you get the quality medical care necessary to address the extent of the disc or joint injury, the adjuster dangles a settlement in your face like a carrot.  And you want to hear some real injustice?  Many times the car accident victim will accept the settlement without first consulting with a motor vehicle accident attorney!

Any experienced car accident lawyer in Missouri knows the games and unfair tactics used by the car insurance claims adjuster.  But unfortunately, most good people who are hurt in accidents don't know these games, and more importantly, they don't understand their legal rights.  This is a dangerous situation in which you can be taken advantage of quickly and ultimately cheated out of a fair settlement for your injury claim.

It is not uncommon for a claims adjuster to offer an accident victim $500 - $2000 as a quick settlement just a few hours or days after a crash.  NEVER ACCEPT ANY SETTLEMENT WITHOUT FIRST CONSULTING WITH A LAWYER!  Does it even make logical sense to accept any sort of settlement until you fully understand the extent of your injuries?  What if you accept a settlement for $3000 a week after an accident, only for your neck or back pain symptoms to get worse a month later and require physical therapy, epidural injections, or heaven forbid a spine fusion?  Answer:  Nothing, because you already settled your claim and you are 100% out of luck.

Here is some simple advice:  Never talk to a car insurance company about your injuries until first learning your legal rights by speaking with the best accident lawyer you can find.  Most respected injury attorneys provide a free consultation and case evaluation.  At the very least you will learn your rights and be more effective in negotiating any type of injury settlement. 

It happens.  You are injured and you hire a personal injury lawyer who you believe is the right choice at the time.  But along the way, your lawyer starts to show his/her true colors and you are not pleased.  Whether it is a lack of communication or just plain inactivity in your case for a long period of time, you come to the conclusion that you made a mistake hiring this lawyer in the first place and you want to better understand your rights moving forward with someone else. 

The Missouri Rules of Professional Conduct (MRPC) are a body of regulations that each lawyer practicing in Missouri must follow.  The penalty for not doing so can lead to disciplinary conduct, even disbarment.  The MRPC are designed to keep the profession honest, effective, and credible, starting with the preamble:  

You've been involved in an accident and now you are doing your best to move on with your life.  Medical bills are coming in and you are nasty getting phone calls from the billing department of hospitals, medical facilities, and claims adjusters.  This is not a familiar process and chances are high that you will obtain conflicting advice from friends and family in dealing with the frustration of a car accident or other injury-related situation.  If you haven't already hired a St. Louis injury attorney to assist you with this process, there is advice out there to educate you on the methodology of the injury claims process and steps towards a settlement.  Dealing with things on your own rarely, if ever, pans out in the form of fair compensation.  This advice is not intended to replace the exceptional value that an experienced personal injury lawyer can provide you in this situation.  Bottom line, claims adjusters are highly trained to minimize or deny your claim.  Only a lawyer can make them pay fairly.

First, you have the option of filing a claim with your own insurance company, even if another driver was at fault for causing damage to your car and personal injuries.  With regard to property damage, this process is rarely contested.  With regard to injuries, it is almost always contested.  The only compensation you are entitled to recover from your own insurance company is for "med pay", UM and UIM coverages.  Your own insurance company essentially takes the position of the at fault insurance carrier.  This creates a conflict of interest of sorts...because the company that you pay your premiums to each month basically becomes and adversary.  Things can get heated very fast, especially when you start demanding a fair settlement for injuries caused in the crash.

UM and UIM are complex forms of insurance coverage that you may have on the vehicle involved in the crash.  While UM (uninsured motorist) coverage is required in the state of Missouri, UIM (underinsured motorist) coverage is NOT.  Making claims for either require certain procedural actions before you can obtain a nickel in compensation.  Because insurance contracts are written in what appears to most to be a foreign language, you may inadvertently void coverage by doing, or not doing, something.  Again, this is an area of insurance claims that is best left to an experienced insurance claims lawyer. 

Dealing with the at-fault party and their insurance company is never a pleasant process.  First, the insurance company has no legal requirement to pay you a dime, at least not without a lawsuit.  And claims adjusters know this.  They know that if a lawyer is not putting their feet to the fire, that they can bully an injury victim into accepting pennies on the dollar, or even a denied claim all together.  A popular tactic used by the unfair insurance claims adjuster is to start out very nice, especially when they are asking for your recorded statement, release of medical records, and other information that is never released by any well-respected car accident lawyer.  Then, when it comes time for the victim to discuss a settlement, the tone of the conversation changes dramatically.  The claims representative goes from defense to offense, challenging the legitimacy of your medical treatment and extent of your injuries.  If the crash itself didn't result in totaled vehicles, the adjuster will accuse you of inflating the extent of your bodily injuries.

There is a reason that statistics prove that attorneys are able to obtain 5-10X the amount of compensation from an insurance company that victims are without legal representation.  Talking your case over with an experienced car accident lawyer is worth your time, even if it is to discuss value of your case and advice on how to deal with an insurance claims adjuster.  You only get one opportunity at a fair settlement for your claim.  If you settle for less that what is fair, you will never get a chance to make the situation right.

Prescription medications save thousands of lives each year.  They can help patients live longer, healthier lives.  However, there are pharmaceutical drugs out there that have very serious side effects.  Those side effects can lead to death.  In the case of Pradaxa, reports are surfacing of patients who have experienced uncontrolled bleeding.  Because there is no known antedote for Pradaxa, this uncontrolled bleeding can result in death.  Pradaxa injury lawyers are also investigating claims of gastrointestinal bleeding, kidney failure, stroke, and other serious ailments. 

Pradaxa is a class of prescription blood thinner medications currently recommended by physicians.  If you experience any symptoms associated with the dangerous side effects described above, it is recommended that you contact your physician immediately.  If gone unreported and untreated, you risk future injury and potentially fatal consequences.  The FDA is monitoring these developments regarding Pradaxa.  Potentially victims are encouraged to report any of these side effects and injuries while taking Pradaxa to the FDA.

A Pradaxa lawsuit is a claim for compensation based on product liability, and area of civil litigation which holds manufacturers responsible for designing and producing a drug which ultimately causes serious harm or death to a customer (patient).  Product liability litigation is complex, contentious, and expensive.  A Pradaxa drug recall injury attorney will advance all costs in prosecuting your case and there will only be attorneys fees collected if your case is won.  So the financial risk of filing a Pradaxa lawsuit is on the shoulders of your attorneys. 

Speaking with an experienced Pradaxa lawyer is the first step at protecting your legal interests and increasing your chances of obtaining justice.  In the civil justice system, if we don't take action and hold negligent or reckless companies accountable to victims, the cycle of injustice will continue in perpetuity.  Get informed and determine if you have a Pradaxa side effect lawsuit.

Authorities are investigating a serious school bus crash that took place in Belgrade in eastern Missouri late Tuesday.  The bus was transporting a total of 35 children home from Valley R-6 and ages ranged from 7 to 16 years old.  Initial reports indicate possible distraction as a 72 year-old substitute school bus driver was sitting in for the district's regular driver.  The driver apparently took his attention off the road for a moment to address students on the bus, and as the bus approached a curve, it ran off the road and rolled.  Students were caused to bounce around inside the bus rather violently until it came to rest.  The crash left 11 children hurt, 4 of which reported serious injuries and where taken by helicopter to St. Louis area hospitals.

Of the children seriously injured in this school bus accident, there were two 13-year olds, one 10-year old, and a 7-year old.  These four victims were rushed to the level-one trauma center at Children's Hospital in St. Louis Missouri where they were treated by emergency room personnel.  Questions remain as to why the 72 year-old bus driver was distracted and why he didn't pull the bus over instead of take his eyes off the roadway, which was a path riddled with curves.  School districts are required by law to properly screen and train their drivers.  This includes substitutes.  In fact, the qualification criteria for part-time or substitute school bus drivers is just the same as a full time driver.

Parents expect their children to be in safe hands when kids board the bus to and from school.  The fact of the matter is that Missouri is not up to par with other states in regards to safe school transportation.  Our school bus accident attorneys have represented families of children who have been seriously injured, and even killed, in bus accidents.  Sometimes other drivers are to blame.  However, our attorneys are finding out, at a rate that may be alarming for parents in general, that school bus accidents in our state are on the rise.  What are the causes?  Just about every Missouri school bus crash involves human factors and an error in judgment.  Please do not take this as a stereotype, but ultimately, we have seen a pattern of accidents involving drivers over the age of 70.  This is a problem that must be handled with re-training, re-training, and more re-training!

So what should we do as parents?  Well, our experience of representing victims and their families in civil claims has lead us to a clear conclusion.  Something has to be done at the legislative level in Jefferson City.  Yes, there are model rules and regulations that all schools must follow if they offer transportation to students.  So why aren't these regulations working?  We believe it boils down to poor training, lacking enforcement, and deficient qualifications.  The Missouri school bus lawyers at Schultz Legal Group protect children; it is one of our pledges to the community.  Being in a privileged position of practicing law and having the pleasure of providing vigorous legal representation to children and their families has led us to one conclusion: we must continue to hold all persons responsible for these injuries accountable to the families.  Children have a voice and we ensure that voice is heard.

A common question by someone involved in a car accident is how to handle the repairs to their vehicle.  When you are involved in a single vehicle accident, the answer to that question is simple.  However, when you are involved in a car accident involving two or more vehicles, the situation becomes more complex.  So who should you submit a claim for property damage to?  There are several choices.

First, you can choose to submit the property damage claim to insurance company that provides coverage to the at-fault party.  So in the event you are rear-ended by another driver, the decision to submit a property damage claim to the other insurance company may seem like a simple one.  However, some insurance companies will not even look at the damage to your car until they first verify fault in the crash.  This can take weeks, as police reports are seldom completed until a week after a crash.  So during this time, your car may be sitting someone, such as a tow lot, accruing storage charges.  Worse yet, you may be driving around in a damage vehicle which is hazardous to both you and others on the road.  Also, the other insurance company is often not very pleasant to deal with, unless of coarse you have a St. Louis car accident lawyer on your side.

Second, you can choose to submit a claim to your own car insurance company.  Even when another party is at fault, you can still submit a claim to your own insurance carrier to repair property damage.  This can sometimes be the more pleasant option because you are an established customer of your own insurance company, and they will likely treat you better than the insurance company of the at-fault driver.  Keep in mind that you will have to pay your deductible in this scenario, but you will get fully reimbursed for your deductible once liability has been determined by your lawyer.  Another benefit of going this route is that you don't have to wait for liability to be determined in order to have your vehicle inspected, repaired, or replaced. 

Another option is when the property damage is just a few hundred or even a few thousand dollars, you can pay for the repairs out of your pocket and then hire an experienced auto accident attorney to sue the at-fault party and recover your damages for car and even rental car reimbursement.  This route can be quick and hassle free.  You can essentially leave it up to your lawyer to go after the money that it took to repair your vehicle. 

Finally, it is important to understand that property damage claims and personal injury insurance claims are complex.  These insurance adjusters are trained to trick you into avoiding paying claims.  Its just the way it is and will continue to be like until the government steps in with harsher legislation.  If you have any questions, do not hesitate to contact St. Louis car accident lawyer for some free advice.

A fatal car accident or other fatal injury ruins the lives of the surviving loved ones.  They are mourning the loss of the family member and are typically unsure of the legal process following a death.  From opening up an "Estate" to executing a Will and Last Testament, to filing a Missouri Wrongful Death Lawsuit.  The legal process is usually unfamiliar to most people put in this predicament.  Unfortunately, there are time limitations imposed by Missouri law when it comes to executing certain legal actions following a fatality.  If you don't take action within the time frame allowed, your right to file a lawsuit will be lost forever.

So what is the Missouri Wrongful Death law?  Who can file a death lawsuit?  Who can obtain compensation or a death settlement when someone else was negligent and caused the fatal injuries?  How long do I have to do this?  These are all common questions.  What is important to know, first of all, is that you only have 3 years to file a wrongful death lawsuit in Missouri.  Which is one reason why you should contact a St. Louis injury lawyer immediately after a fatal accident...even if it is solely to establish whether you have a right to the claim and which court to file the lawsuit in. 

Second, only certain family members have a legal right to participate in a wrongful death claim.  This is determined by Missouri statute 537.080.  The family members who potentially have a claim are divided into "tiers".  Tier one includes persons such as the surviving spouse, biological children, and surviving parents.  The power of each person's individual claim depends on many factors.  There are no major formulas and judges in Missouri have wide discretion when making this determination.

Third, there are limited items you can claim as damages in any Missouri death lawsuit.  These "damages" are again defined in Missouri statute 537.080.  For example, you cannot make a claim for emotional damages resulting from the loss.  I realize this sounds harsh, but Missouri courts do not want juries 'inflamed' solely based upon the grief and bereavement of the surviving family members.  Economic damages are limited to a specific set of items.  Speak to a Missouri wrongful death attorney about these forms of compensation because they are somewhat complex.

Fourth, bear in mind that it is against the law to settle any fatal lawsuit without first seeking approval from a Missouri court.  In fact, parties to a Missouri wrongful death lawsuit cannot exchange any monies or settlement without the stamp of approval from a judge.  When it comes time to seeking court approval, an evidentiary hearing is required and your death lawyer will be required to convince the court that any wrongful death settlement reached is fair and equitable under the circumstances.  In fact, you will need to prove a number of things at that hearing, including the right of each person making a claim, the amount of the settlement, whether you are agreeing to waive a jury trial, and other matters that require legal consultation, and ultimately, a wrongful death lawyer.  

If you have questions about a wrongful death claim and how to proceed with filing a claim, contact an experienced death lawyer at (866) 840-3636. 

The facts are almost always the same.  You have been seriously hurt in an accident, or on the job, and you become disabled.  The definition of "disabled" can vary from doctor to doctor, and state agency to state agency.  For example, if you severely injure your spine in a car accident, and end up having a disc fusion, disc replacement surgery, or other serious procedure, there is a chance that you will be unable to return to a work environment that was physically demanding in the past.  Even some clerical jobs that require extended periods of sitting can become too stressful on the body of an individual who has had a spine disc fusion.  Bottom line, if you are unable to return to work, you should be able to apply for social security disability income, otherwise known as SSDI. 

If only the process were that simple.  Social security disability claims are primarily handled through field offices throughout the country.  The application will complete an online application to determine eligibility.  You may have to submit health history and medical records for review.  Unfortunately for most folks, the application for disability is denied!  So what do you do next?  There is an appeals process in which you can go in front of an administrative law judge (ALJ) in one of the local field offices.  If you decide to appeal an SSDI decision to the ALJ, you will need a social security disability lawyer to represent you.  If you are not represented by an attorney, chances are very high that you will lose the appeal and your chances at SSDI are completely terminated.

When the state is reviewing your application for benefits, they will be discussing your medical condition with your treating physicians.  Inquiries will be made into 1) your medical condition 2) what caused your condition 3) how your condition interferes with your ability to live a normal life 4) the type of testing that has been accomplished thus far in your treatment, and 5) the extent of your future treatment.  The problem is that many times doctors fail to place 'real-world' limitations on patients when they are severely injured.  And even though your doctor may be of the opinion that you are fine, you may actually have serious problems doing your job and maintaining a normal everyday life.  This is where the value of a SSDI lawyer first comes into play. 

If your disability is expected to last at least one year, you should be entitled to disability income.  In the real world however, most applicants are denied.  A St. Louis social security disability lawyer will file appeal on your behalf and gather the evidence necessary to get your claim for disability income approved.  There are limited windows of time when you can file an appeal so time is of the essence.  Understand that when you do appeal, the ALJ will look at the entire application, not just the parts that were originally denied.  This can be both a blessing and a curse, especially if you don't have an attorney who is experienced in the SSDI appeals process.

There are several reasons when people who injure their neck in a car accident have such a hard time getting a fair settlement from the insurance companies.  Whiplash car crash claims are amongst the most frequent type of injury claim presented, yet claims adjusters continue to argue that they cannot be severe and disabling.  This could not be more untrue.  Impacts between vehicles are violent and cause major damage to the discs in the spine.  Bulging discs, herniated discs, and ruptured discs can result even from a crash occurring at less than 10mph.  So what do you do?  First and foremost, don't think for a second that you are going to get very far on your own.  There is a reason why lawyers get 5-10X more settlement money for a neck whiplash injury that victims that "take their chances."

Spine injury is common and can cause weeks, months, or years in pain and discomfort.  The injuries can lead to physical therapy and even surgery.  A spine disc fusion or discectomy is a real possibility when a victim can no longer live with the radicular pain, numbness of limbs, and other symptoms that come with disc abnormalities in the cervical (neck), thoracsic (middle) or lumbar (low) back.  Pain in the spine can cause major interference in all aspects of your life.  Your work can be affected.  The relationship with your significant other can be affected.  And truthfully, your overall quality of life becomes affected. 

When a spine injury accident lawyer files a claim for compensation, make sure it includes all aspects of your damages.  A common problem with the large "high volume" injury law firms is that they do not get to know all aspects in which their client has been harmed because of a car accident, trucking accident, defective product, or other incident resulting in trauma.  You need an attorney who will work with you, one-on-one, to understand how to best explain the nature of your claim to the insurance claims adjuster, judge, defense attorney, and jury.  Your chances at maximum recovery are increased dramatically when you demand personal service.  This requires experience, dedication, and patience...all things that are hard to find in this age of poor customer relations.

So how can I get the best settlement for a spine car accident lawsuit?  It all depends on what your diagnostic imaging studies reveal.  And trust me, getting the right medical treatment is just as important and hiring the best lawyer in Missouri.  Our auto accident attorneys have orthopedists, neurologists, physical therapists, and other physicians that will provide you with top notch medical care.  Seeing a chiropractor and/or a primary care doctor can be a big mistake depending on the nature of your injury.  Look at it this way:  Don't you want a specialist examining your body and making treatment recommendations? 

In September 2010, the FDA took a closer look at Actos, a drug that has been in production since 1999 in the United States.  The FDA determined that there is a link between Actos users and an increased risk of bladder cancer.  The risk appears to be higher in men than woman, although both genders are at risk according to recent scientific research.  Actos has many potential side effects, including stomach pain, rapid weight gain, pale skin, painful urination, nausea and a general feeling of sickness.  Actos is used to regulate blood sugar levels, primarily in patients with type II diabetes.

If you are taking Actos and experience serious side effects such as a painful urination, blood in urine, kidney pain, or other similar pains notify your treating doctor immediately.  Do not abruptly stop taking Actos unless directed by your physician.  If your physician makes a diagnosis of bladder cancer, contact a Actos injury lawyer immediately to protect your claim for compensation. 

Once you have been diagnosed with bladder cancer, it is important to take steps to protect a legal claim that you may have against Actos.  Claims for compensation in these prescription drug cases can include a settlement for medical expenses (past and future), pain and suffering (past and future), and wage loss associated with treatment.  Bladder cancer is serious and should be attacked immediately with medication and aggressive medical care.

An Actos lawsuit should be filed by an attorney who is experienced in product defect and product liability laws.  Because these drugs are sold nationwide, there will likely be claims from victims made nationwide as well.  Drug litigation can often times be consolidated into what is known as "multi-district litigation", or MDL.  When drug injury lawsuits are consolidated in MDL, the litigation process, especially discovery of documents and depositions, are streamlined into a more efficient means of dealing with each individual claim.

If you are an Actos taker and have been diagnosed with bladder cancer, you may have the right to an Actos bladder cancer settlement.  To learn more about the Actos lawsuits that are currently being filed across the country, call toll-free (866) 840-3636 for immediate help.