Determine Value of a Personal Injury Case:
It is impossible for a lawyer tell you what your case is worth at the beginning of the case. At a minimum, there are three things that a lawyer needs to know before he can tell you what your case is worth. First, the lawyer needs to know the details of the accident to determine whether it can be proven that it is the other person's fault. Second, the lawyer needs to know the details of your injuries and whether any of your injuries are permanent or not. Third, the lawyer needs to know how much insurance coverage there is on the at fault party, that will be available to pay your claim for money damages. If a lawyer gives you a value on your case without knowing the answer to any of these three questions, you should not hire that lawyer because he is guessing and not giving you accurate information. In all of the years that I have been a practicing personal injury trial lawyer here in Florida, I can't tell you how many times I have interviewed a plaintiff who had serious injuries, only to find out that the driver that caused his or her accident had either no insurance or a very small insurance policy. Unfortunately, I have learned over the years, "you can't get water out of a stone," and if somebody has little or no auto insurance coverage, they usually don't have enough personal assets to pay a claim as well.
To ensure that you are able to recover money damages in the event of an injury, (notwithstanding the coverage of the other driver) you should be certain to purchase uninsured motorists coverage on your own policy. This insurance coverage will protect you by standing in for the other driver's insurance company, in the event that the other driver is uninsured, and will pay you for your personal injury damages, just as if they were the other driver's insurance company. I personally carry over $2 million of uninsured motorist coverage, because I am fully aware of how many people there are driving on the roadways in Florida without insurance coverage. In the event that I or any member of my family is seriously injured, I will always be able to recover the full value of the case, as long as I carry uninsured motorist coverage.
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