Personal Accident & Car Accidents Lawyers Singapore, Whiplash Injury Claim, Road Traffic Accidents Lawyers –


Advocates & Solicitors

Insurance claim lawyer

Insurance claim lawyer

Welcome to Cosmas LLC

Cosmas LLC is a boutique law firm specializing in personal injury matters. Such matters include injuries arising from motor accidents, industrial accidents, medical negligence and insurance policy related claims.

Personal Injury Claims

Motor Accident

Industrial accident

Industrial accident injury claims involve victims that sustain injuries in the course of their work. The claim may be made under the Work Injury Compensation Act (“WICA”) or under the Common Law. We are here to assist you in the process of claiming for a workplace injury

Medical negligence

Generally, there is no conceptual difference between medical negligence and negligence. It will be brought under the general tort of negligence but occasionally, actions in the tort of battery or trespass to the person could be available.

Achievements

Past Experience

  • Represented a Thai student whose legs were amputated after a SMRT train ran over them at a 15-day trial.

  • Negotiated a settlement of $3.4 million in damages for a client who was injured as a backseat passenger in a road traffic accident. She suffered spinal cord injury and was paralysed from the waist downwards.
  • “We owe you a great gratitude in taking on our brother’s case who died after a road accident which other lawyers initially said was not possible and you have obtained damages beyond our expectations.”

    “I am truly impressed with how you handled my claim even though it was only a minor injury.”

    “Great work. A truly passionate lawyer even though it is only for an injury claim.”

    “You are a truly dedicated lawyer. I am very grateful that right from the beginning, you personally handled every single part of the process. I am truly satisfied by the award of damages that I received. You are an exceptionally good injury lawyer that I would highly recommend.”

    “Cosmas & team, thank you for your fuss-free and stellar resolution of my case. The outcome was much better than expected. Wishing you continued health & success.”


    How The Insurance Adjuster Handles Your Personal Injury Claim, insurance claim lawyer.#Insurance #claim #lawyer


    How The Insurance Adjuster Handles Your Personal Injury Claim

    When you’re seeking compensation for an injury, there is a very good chance you are going to be dealing with some type of insurance company. For example, if you get into a car accident, the insurance company for the at-fault driver will be the ones with whom you’ll talk settlement. If you sue a doctor for medical malpractice, the doctor’s medical malpractice insurer will handle the case. If you sue for premises liability, the homeowner’s insurance or liability insurance is going to kick in.

    Because you are almost always going to be dealing with an insurance company, it is very important to understand how insurance adjusters work.

    Insurance Adjuster Motivation

    Insurance adjusters are assigned to a case to investigate facts and determine how much the case is worth. They work for the insurance company, not for you as the insured or as the victim. They are interested in keeping the payouts as low as possible so the insurance company is more profitable.

    While insurance adjusters want to pay out as little as possible, they also have the ultimate goal of avoiding a lawsuit. If a case does not settle outside of court, the individual who was injured usually has the option of going to court and filing a civil lawsuit. If the case makes it to trial, the judge or jury will make a decision on who is liable and what damages are appropriate. This is risky for an insurance company, as the damage award can end up being very high if the jury is sympathetic to the plaintiff. Legal fees and other costs associated with a trial can also become expensive for an insurer.

    The insurance adjuster, then, generally has the job of getting the insured to accept the lowest settlement offer possible, without filing a lawsuit. Typically, adjusters decide on how much they are actually willing to pay out (the maximum) and then will make an offer that is lower than that max, sometimes as much as 25 to 50 percent lower. This gives them negotiating “wiggle room” during settlement talks.

    How an Insurance Adjuster Decides on an Offer

    In personal injury cases, insurance adjusters usually consider the same factors that juries would look at in deciding what damages are appropriate. This means the adjusters are usually looking at:

    • Actual expenses (medical bills and costs) that have been incurred and that will be necessary in the future
    • Actual losses in the form of lost income or lost wages
    • Pain and suffering damages
    • Emotional distress damages

    Some of these costs (those for actual expenses and losses) are very easy to determine. The numbers can just be added up. Pain and suffering, on the other hand, is much more subjective.

    Pain and Suffering Calculations

    Because of the complexities associated with calculating pain and suffering, insurance adjusters usually have a formula or system that is used. Two examples of possible techniques used to calculate pain and suffering include:

    • A per diem system, where the injured victim is paid a set amount for each day of suffering
    • A pain multiplier system, where the insurance company multiplies the cost of the actual losses (for medical bills and lost income) times a set number. The number that is often used for a pain multiplier will usually vary between 1.5 and 5, but each insurance company may have a slightly different system here.

    Other Considerations

    Insurance adjusters also consider two other key factors: policy limits and the strength of the plaintiff’s case.

    The policy limits.

    An insurance company is never going to pay more than the maximum amount of the insurance policy. For example, if a driver bought $50,000 in liability insurance, the maximum the insurance company will ever pay out is $50,000 total in legal fees and damages.

    The strength of the plaintiff’s case.

    If the plaintiff has a really solid case (like a medical malpractice claim where a doctor left a surgical instrument inside the plaintiff) then the insurer is more likely to offer a larger settlement because a plaintiff’s victory in court will be almost certain. If a plaintiff’s case is fairly weak, then the insurer is likely to offer much less, since the insurer and the plaintiff will be aware that there’s a chance he could go to court and get nothing.

    Effectively Dealing With an Insurance Company

    Once you have an understanding of how insurance companies work and of what the motivation of the insurance adjuster is, you can use that information to your advantage to negotiate the best settlement possible. There are a few key things in particular that you should do:

    Consider hiring a lawyer.

    This lets the insurance company know immediately that you do take your rights seriously and that you will be filing a lawsuit if you aren’t given a fair settlement. Your lawyer also knows how to determine what your specific case should settle for and can use her expert legal knowledge and negotiation skills to get you the best outcome.

    (See our article, Are Lawyers Optional In a Personal Injury Case?, to learn about the types of cases you can handle on your own, and when it’s best to get a lawyer involved).

    Make sure you have clear evidence of fault and of the extent of your injuries

    Photographs, journals, extensive medical records, and records of all bills paid and work lost are all essential to maximizing your recovery.

    Consider sending a demand letter

    This is essentially a letter where you state what you will accept in order to settle the case. If you send a demand letter, then the negotiations with the insurance adjuster can begin at the number that you believe is fair, rather than the number that the insurance adjuster decides is right. This can result in a more favorable final outcome for you.

    Try to determine what the policy limits are whenever possible.

    This will let you know exactly what the maximum payout from the insurer will be. While technically you could get a judgment for a larger amount than the maximum payment from the insurer, you’d have to try to collect the leftover amount from the defendant personally.

    Using Your Evidence

    The above steps should all help you to make the best deal possible with the insurance company. The main key, however, is to make sure you have evidence necessary to prove fault and to prove your injuries. With sufficient evidence, even if you are not able to reach a settlement, you will be able to go to court with confidence.


    What is No Fault Insurance and How Does a Claim Work, insurance claim lawyer.#Insurance #claim


    What is No Fault Insurance and How Does a Claim Work?

    About a dozen states follow what’s called a “no-fault” car insurance system (District of Columbia, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah). No-fault insurance means that your own automobile insurer will pay some or all of your medical bills and lost earnings if you get into a car accident, regardless of who was at fault for the crash. A no-fault claim is typically made through the “personal injury protection” or “PIP” provisions of a car insurance policy (this kind of coverage is mandatory in no-fault states).

    Every no-fault state’s rules are different. A few are even so-called “choice” no-fault states (Kentucky, New Jersey, and Pennsylvania), where vehicle owners essentially have the choice to “opt out” of the no-fault system when purchasing a car insurance policy.

    What is A No-Fault Insurance Claim?

    A no-fault insurance claim, sometimes called a Personal Injury Protection claim (or PIP claim), is one you make with your own automobile insurer for payment of medical bills, lost earnings, and certain other out-of pocket damages after a car accident.

    A key component of the no-fault scheme is that you are never permitted to make a claim for pain and suffering with your own car insurance coverage, and you can only pursue this kind of recovery against the at-fault driver if your medical bills reach a certain level — or your injury is deemed sufficiently serious — so that you’re permitted to step outside of the no-fault rules. For example, your state’s no-fault law might prohibit a personal injury claim against the at-fault driver unless your medical bills exceed $3,000 or you suffer a broken bone. This feature of no-fault laws is a legislative attempt to streamline car accident cases, especially smaller claims.

    Let’s take an example. Let’s say that you got into a car accident in New York. The other driver was at fault, you broke your right leg in the accident, and you incurred $7,500 in medical bills. In order to step outside the no-fault system and bring a claim directly against the at-fault driver in New York, your claim must meet the “serious injury” threshold in place under state law. That means, as a result of the car accident, you’ve experienced any of the following:

    • significant disfigurement
    • bone fracture
    • permanent limitation of use of body organ or member
    • significant limitation of use of body function or system, or
    • substantially full disability for 90 days.

    Since your injuries qualify under this definition (because of your broken leg), you can file a third-party liability claim or personal injury lawsuit directly against the at-fault driver, demanding compensation for all categories of losses, including pain and suffering (which, again, isn’t available in a no-fault claim). But if you suffered only minor injuries that don’t qualify as “serious” under New York’s threshold, you’re limited to a claim under your own PIP coverage.

    One last note: No-fault car insurance only applies to car accident injuries; for vehicle damage resulting from a car accident, you’re free to pursue a claim against the at-fault driver.

    You Must Cooperate With Your Insurer in a No Fault Claim

    With a no-fault claim, the usual rules for dealing with an insurance company in a personal injury case usually should be disregarded. For example, in most cases, you do not want to give a recorded statement to the other side’s insurance company. But, in a no-fault claim, state law generally requires you to cooperate with your insurer. Your policy may require you to give your insurer a recorded statement, and may require you to attend a medical examination with a physician selected by the insurance company. If you fail to cooperate with the process, your insurance company may have grounds to deny the claim.

    If you get into an accident in a no-fault state, and need legal advice at any point in the claim process, it may make sense to contact a knowledgeable car accident lawyer.


    When – Why a Car Accident Insurance Claim is Denied, accident claim lawyer.#Accident #claim #lawyer


    When Why a Car Accident Insurance Claim is Denied

    When you are making a claim through your insurance after a car accident, you may be counting on the money coming in from that claim in order to pay your medical bills and other costs. Unfortunately, things don’t always happen that way, and sometimes your insurance claim is denied. When this occurs, it is important to understand exactly why it was denied. Every situation is different, of course, but below are some common reasons that insurers give for denying claims.

    Some common reasons for insurance claim denials include:

    If you could have avoided the accident, or if you did something that led to or caused it, then you may have your insurance claim denied. This is especially true if the insurer believes that you did something that would render the policy coverage ineffective, like driving drunk at the time of the accident or letting an unlicensed driver use your car. If you find yourself in a situation in which the insurance company claims you could have avoided the car accident, it is best to talk to a lawyer since the insurance company’s attorney may have interests that are directly opposite to those of your own.

    If you wish to claim that you got injured as a direct result of the car accident, it is imperative that you actually go and get treatment right away. Otherwise, the insurer may argue that the injuries didn’t really happen as a result of the accident or that those injuries are not related or connected to the accident. If you have proof that you went to the hospital immediately after the accident and your injuries were diagnosed then, you will have a much stronger case than if you wait. Furthermore, if you delay, this may make the insurer believe that the injuries are made up or exaggerated to try to get a payout, since most people who are genuinely hurt do get medical care immediately. It’s unfortunate that some people with no means of paying for medical treatment may be viewed as “fakers” – because they avoided medical treatment, even when they needed it — when they really have a legitimate personal injury claim, but it’s often a point of contention between the insurance adjuster and injured person.

    If you don’t have medical records that indicate that you actually suffered an injury, then your claim is very likely to be denied since you cannot prove you will be entitled to any damages.

    If you have a pre-existing condition, the insurer may argue that it was this condition that is causing your injury and pain, and not the accident. If your condition was worsened by the accident, you may still be able to get some compensation, but it can be hard to sort out and prove just what was caused by the accident and what extent of the injury was pre-existing.

    These are just a few of the most common reasons why claims are denied. If you receive a notice of denial, you need to talk to your insurance company as soon as possible to find out what went wrong with your specific claim and what you need to do to fix it.

    If you believe that none of these issues apply in your case, then the insurance company may be denying your claim in bad faith. This means that the insurer is not living up to its obligation to resolve your case as per the agreement with the insured – you or the other driver. See our article on tactics an insurance company might use to minimize your compensation for other ways an insurer may unethically prevent paying your claim.

    When to Get Professional Help

    When an insurance claim is denied, you should strongly consider speaking with a car accident lawyer. Your attorney can help you to talk to your insurance company, find out what the problem with your claim was, and fix that problem so you can get the benefits to which you’re entitled. If you choose to hire an attorney, you can expect him or her to work on a contingency fee. This means you pay no fees up front, but you agree to pay the lawyer a percentage of the settlement if he or she successfully handles your case. In cases of insurance denial, it’s absolutely worth the cost of legal representation.


    How to Get the Most from a Car Accident Claim (with Pictures), accident claim lawyer.#Accident


    How to Get the Most from a Car Accident Claim

    There are millions of car accident claims every year. Getting the most out of your car accident claim from your insurance requires that you know a little about the process and the people involved. The time period after a car accident can be filled with an overwhelming amount of stress. With patience and organization during this time, you will be able to confidently navigate the claims process.

    Steps Edit

    Part One of Four:

    Responding at the Scene of the Accident Edit

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    Part Two of Four:

    Starting Your Claim Edit

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    Personal Injury Attorney Toledo Ohio – Auto, Car Accident Lawyer – OH 43604, Rubin –


    CALL US TODAY! TOLL FREE: 1-866-548-HURT AFTER HOURS: 1-419-913-7020

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    accident- strong comparative negligence claim- we recovered policy limits paid

    client made a full recovery- client received fair value

    accident- client made a full return to work.

    dislocation- client returned to full employment

    cut-off while riding at night- single vehicle accident- no witnesses-

    settlement on behalf of decedent’s children- policy limits

    comparative negligence- we recovered for minor children.

    left femur fracture: full recovery- our client received fair value

    knee meniscus tear- client returned to work

    fell due to defective display case- Jury Verdict- client received fair value

    School system failure to maintain appropriate safety measures-

    sovereign immunity defense overcome- comparative negligence

    she sustained a patellar fracture, cruciate ligament tear, open reduction

    and fixation: client returned to work- client received fair value

    Practice areas

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    If You’ve Been Hurt in or around Toledo, Ohio Speak With Our Personal Injury Attorneys

    Your life can be turned upside down in an instant when you’ve been hurt through no fault of your own. We understand the strong emotions and urgency associated with this situation, and want to help. Whether you’ve been involved in a car, truck or motorcycle accident and need to get advice from our automobile accident lawyers or want to hire an attorney for another reason, like wrongful death from motor vehicle accident, dog bite or attack, food poisoning or objects in food, medical malpractice, work related accidents and injuries, child injuries, traumatic brain injuries, spinal cord injuries or nursing home neglect, the Rubin Zyndorf Associates legal team is here for you.

    Call419-244-7482

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    Don’t Just Settle for What’s Offered by the Insurance Company or an Employer

    Without the help of a legal professional following an injury, you may think the only option available is to just accept the amount of compensation that’s given by your insurer, or perhaps an employer after you’ve filed for employee benefits.

    However, after working with legal professionals at our office, many clients have been able to get settlement amounts that were significantly higher than initial offers. That’s because we have specialized expertise and know how to negotiate compensatory packages for our clients when individuals need the advice of a worker’s compensation attorney, car accident lawyer, motorcycle attorney, or similar professional. Call419-244-7482

    Acting Quickly is Crucial

    By attempting to handle things independently, you could interfere with your ability to get fully compensated, all while medical bills are mounting and your income grinds to a halt because you’re no longer able to work. Contact our automobile accident lawyers and personal injury attorneys soon as possible after an incident, regardless of if your case is related to the wrongful death of a loved or problems stemming from your own severe injuries. The sooner you get help, the easier it’ll be to start making progress towards a brighter future.

    Connect With Our Toledo Personal Injury Attorneys

    When you need assistance from an attorney depend on our professional team to offer guidance.

    We offer a free consultation. We work on a contingency basis, so you don’t pay unless you win. Browse the other pages of our website to learn how we can help you in matters like hiring a motorcycle attorney or dealing with a wrongful death incident. Then call 419-244-7482 to get in touch with us at Rubin Zyndorf Associates.


  • Personal Accident & Car Accidents Lawyers Singapore, Whiplash Injury Claim, Road Traffic Accidents Lawyers –


    Advocates & Solicitors

    Accident claim lawyer

    Accident claim lawyer

    Welcome to Cosmas LLC

    Cosmas LLC is a boutique law firm specializing in personal injury matters. Such matters include injuries arising from motor accidents, industrial accidents, medical negligence and insurance policy related claims.

    Personal Injury Claims

    Motor Accident

    Industrial accident

    Industrial accident injury claims involve victims that sustain injuries in the course of their work. The claim may be made under the Work Injury Compensation Act (“WICA”) or under the Common Law. We are here to assist you in the process of claiming for a workplace injury

    Medical negligence

    Generally, there is no conceptual difference between medical negligence and negligence. It will be brought under the general tort of negligence but occasionally, actions in the tort of battery or trespass to the person could be available.

    Achievements

    Past Experience

    • Represented a Thai student whose legs were amputated after a SMRT train ran over them at a 15-day trial.

  • Negotiated a settlement of $3.4 million in damages for a client who was injured as a backseat passenger in a road traffic accident. She suffered spinal cord injury and was paralysed from the waist downwards.
  • “We owe you a great gratitude in taking on our brother’s case who died after a road accident which other lawyers initially said was not possible and you have obtained damages beyond our expectations.”

    “I am truly impressed with how you handled my claim even though it was only a minor injury.”

    “Great work. A truly passionate lawyer even though it is only for an injury claim.”

    “You are a truly dedicated lawyer. I am very grateful that right from the beginning, you personally handled every single part of the process. I am truly satisfied by the award of damages that I received. You are an exceptionally good injury lawyer that I would highly recommend.”

    “Cosmas & team, thank you for your fuss-free and stellar resolution of my case. The outcome was much better than expected. Wishing you continued health & success.”


    TOP Injury Lawyers, Compare Injury Lawyers, Personal Injury Claim, accident claim lawyer.#Accident #claim #lawyer


    Compare Personal Injury Lawyers in Seconds

    Finding a good personal injury lawyer or an accident claim company for your compensation claim can be difficult especially since there are so many. Think about it! You see so many adverts on TV, but do you know who the best personal injury claim solicitor for you is, or who offers you the most compensation online?

    Don’t just fall for the trap of the adverts, as they all claim to be the right solicitor or accident management company for you. Get the BEST accident claim DEALS and SERVICES available on the personal injury market. Claim for injury, claim for accident or claim for compensation with recommended injury solicitors.

    Compare personal injury lawyers services to MAXIMISE your injury compensation claim. Compare Compensation Claims is keeping your cost of making an accident claim to minimum, so you as a client can benefit from more personal injury compensation services. You control what compensation services you are given for your personal injury compensation claim.

    This is where Compare Compensation Claims excels. We provide a comprehensive range of top personal injury lawyers injury compensation packages. Get instant results, view ratings profiles for each accident claim solicitor independently make an informed choice for your accident claim. There are solicitors who specialise in specific types of personal injury claims, for example, if you have a car accident claim, then you will want to work with solicitors who specialise in road traffic accidents who also offer you a courtesy car. Likewise if you are making a work accident claim or even a public liability claim, you should look for injury solicitors that specifically specialise in these accident types when making a personal injury compensation claim as you want the right injury solicitor, with the right expertise, for your EXACT case.

    Compare Compensation Claim’s user-friendly website makes it easy for you to find an injury compensation package that suits your needs a personal injury lawyer that meets your requirements. Claim for personal injury, claim for accident or claim for compensation by making a personal injury compensation claim the smart way.


    Car Accident Lawyer NYC FREE ADVICE New York Personal Injury Attorney NY, accident claim lawyer.#Accident


    NYC Car Accident Lawyer New York Personal Injury Attorney – What Is My Case Worth? Free Advice

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    New York Personal Injury Lawyers

    Do I Have A Case?

    Call (718) 233-3913 For ADVICE FREE, 24/7.

    If you ve lost someone in a fatal wrongful death accident, the attorneys at our firm will compassionately take care of your legal needs while you grieve. We represents personal injury claims for clients in New York. We go after the at-fault responsible parties insurance company. Speak to an attorney now for free advice: 718-233-3913. Pay nothing, unless we WIN your case.

    1. Obtain the police report
    2. Start the rehabilitation process, let us do the rest.
    3. Speak to no one.
    4. If anyone calls to discuss the accident, tell them these three words, SPEAK TO MY LAWYER .

    Never give recorded statements to an insurance company; consult with an attorney first. Insurance adjusters will use unscrupulous tactics to avoid paying an injury claim. They pressure no-fault-drivers into excepting little to no money for their injuries. Admit NO Guilt! Say NO to Personal Injury Settlement Releases

    Claims Wins W/ Recovery

    Please note claims filed may take 1 -3 years depending on the insurance companies reluctance to pay. That s where our personal injury law firm comes in — WE FIGHT FOR YOUR RIGHTS! As your advocate, your best interest is ours — when you win, we win.

    $4 Million Verdict Single Car Rollover Read more

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    NEW YORK CAR ACCIDENT LAWYER | NEW YORK PERSONAL INJURY ATTORNEY | 24 HOUR FREE ADVICE

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    Car Accident Lawyer in Metro Vancouver – Chris Temple Law, accident claim lawyer.#Accident #claim #lawyer


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    Click HERE to get your copy and learn more.

    Watch my videos on:

    • How to survive financially after an accident
    • How to prepare for your first meeting with ICBC

    Click HERE to go to the Video Tutorials page.

    Accident claim lawyer

    Help is just a phone conversation away.

    With more than 35 years experience as a successful injury lawyer, I can give you the advice you need right away – by phone, Skype or FaceTime – to effectively deal with your ICBC claim.

    There’s no pressure, no obligation – just a free consultation that will put you on the right track, right now. No matter what stage you are in your claim.

    After years of dealing with ICBC’s tactics, I believe injured people need to know their rights and how to deal with ICBC. I’ll tell you what your best strategy is and what you need to do next.

    Get fast answers to 3 important questions:

    • What should I say (and not say) to ICBC?
    • Should I sign ICBC’s medical consent form?
    • How do I survive financially?

    Make the right choices and avoid costly mistakes.

    I can help you move forward with confidence, by answering questions like these:

    • Can I get reimbursed for all my medical expenses now?
    • How do I get my doctor and physio to back up my claim?
    • Is it premature to hire a lawyer?
    • What can I do if I am unhappy with my lawyer?

    Get on the right track now.

    Call 604.970.2440 or toll-free at 1.877.536.4520, or send an email, or complete this short form to arrange your free consultation.

    What our clients say:

    • “Chris Temple has restored my faith in lawyers. Thank You, Thank You a Thousand Times, Thank You!” D. S., White Rock
    • “WHAT A DIFFERENCE YOU MADE! You went far beyond what we expected” B. & S. W., Surrey

    Until we talk:

    • Check out the What You Need to Know section (above left) where I answer more than 50 of the most-asked questions from accident victims.
    • Order my free book: “Winning Your BC Injury Claim”.

    ICBC and lawyers use existing court decisions to decide the value of your claim. Read our short blogs to learn how BC judges look at different injury claims and what your claim may be worth.

    1. You are not prepared for your first meeting with an ICBC adjuster.

    Before you see an ICBC adjuster, contact the office of your doctor, physiotherapist or chiropractor to confirm the dates that you received related treatment before the accident. This will ensure that you do not misstate your previous medical problems .