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Yes, you can write your own demand letter to an insurance company. There is no law requiring that a demand letter come from an attorney, no format mandated by statute, and no magic language that only lawyers are permitted to use. People write their own demand letters and recover fair settlements without legal representation every […]

If you are at the stage of a car accident claim where someone has mentioned a demand letter, or where you are trying to figure out whether to write one yourself, understanding what that document actually does to the trajectory of your settlement is more useful than understanding what it is supposed to do in […]

You received a settlement offer from the insurance company and you are thinking about it, maybe for a few days, maybe longer. Or perhaps you verbally agreed to a number and now you are not sure whether that agreement actually means anything, or whether the insurer can simply change their mind before paperwork is signed. […]

The short answer is that most personal injury attorneys do not write checks to pay your medical bills directly. But the longer answer, which is the one that actually helps you, is that the way personal injury representation is structured creates several mechanisms that address the medical bill problem without requiring your attorney to function […]

If you were in a car accident with relatively minor injuries, a modest repair bill, and a claim that does not feel worth very much, you may be wondering whether any attorney would even want to get involved. The question is practical and honest, and the answer is more nuanced than either a flat yes […]

In the vast majority of car accident cases, your mortgage company has no claim on your personal injury settlement proceeds. A mortgage lender’s security interest attaches to your real property, meaning the physical house and the land beneath it, and does not automatically extend to money you receive from an unrelated legal claim. The fact […]

This is one of the most distressing situations that can follow a car accident, and it happens more often than most people realize: the settlement you reached, or the only settlement available given the at-fault driver’s insurance limits, is not enough to cover the full amount of your medical bills. You are looking at a […]

Attorney fees in a personal injury case are almost always calculated on the gross settlement before medical liens are deducted. That means your attorney’s contingency fee is calculated on the total settlement amount, and then the liens are paid from what remains after the fee comes out. Understanding that sequence matters because it directly affects […]

The percentage a personal injury lawyer takes from a settlement is almost always one-third, and that number is so widely understood as the standard that most people assume it is fixed by law or regulation. It is not. One-third is a market convention, not a legal requirement, and the actual percentage in your case depends […]

If you have a personal injury attorney handling your car accident case and a settlement has been reached, someone has probably told you that your money is in a trust account. That phrase sounds reassuring and opaque at the same time. It sounds like something that exists to protect you, but you may not know […]