What to Say and Not Say to the Insurance Company
Every injured Arkansas car accident victim has some questions about their next steps. How will I pay for my medical expenses? What happens if I can’t work again? Can I get my car repaired? Who is to blame?
These questions can keep you up at night and cause you significant stress and anxiety. As you struggle to deal with your injuries, you deserve to have someone on your side who can help answer your questions and fight for your rights. However, where you go to obtain answers to those questions can profoundly impact the outcome of your injury claim.
Unfortunately, Arkansas insurance companies have one main goal: to pay you as little as possible. They often twist things you say to help them reduce your claims.
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What Not to Say to an Insurance Company After an Accident
Insurance companies train their adjusters to find ways to reduce claims. They do this by twisting injured accident survivors’ words and using them to offer lower settlements. They may claim that you are not as injured as you say. They may claim that you were partly to blame. Knowing their primary goal is key to understanding what NOT to say to an insurance company after an accident.
While this may seem shockingly simple, the truth is that insurance adjusters often trick injured accident survivors into admitting fault. Even something as simple as saying, “I didn’t see them” or “I’m sorry” can be used to show fault.
As an injured accident survivor, you may not fully understand the long-term effects of your injuries. Do not downplay your injuries or claim that your injuries are not severe, and signal the insurance company to offer you even less for your accident.
Unless your attorney tells you to do so, avoid giving a recorded statement. These statements may seem innocuous, but they are not.
Avoid speculations about what “may have” happened during the accident. Instead, stick to only the facts you know or what is on the police report. The insurance adjuster may try to get you to give your opinion of the events but avoid doing so.
Insurance adjusters will say that they need to access your medical files. However, they are looking for ways to reduce your claim by claiming pre-existing conditions. Do not sign any releases without speaking to your attorney.
It is important not to provide insurance companies with the names of doctors, other accident victims, or family members. Speak to your attorney before discussing your case with insurance companies.
Insurance companies and adjusters may contact you quickly after a crash to ask you questions. However, you may be in shock or confused after the accident, especially if you have suffered a serious injury. Avoid speaking to the insurance company until you are ready and have taken the time to process the events entirely.
What to Tell the Insurance Company After an Accident
It is equally important to know what you should say to an insurance company after an accident. After a car accident in Arkansas, you may need to discuss your accident with your own insurance company and the “at fault” driver’s insurance company. Knowing what to say is key to maximizing compensation after an accident.
It is important to talk to your insurance company and give them a rundown of the facts. Let them know where the accident occurred when it happened, and who was involved. If there is a police report, let them know.
Discuss the damage with your insurance company. Again, stick to just the facts. Report and document the damage to your vehicle and keep good medical records regarding your injuries.
It is important to understand your own insurance policy and its limits and the insurance policy limits of the “at fault” driver. Get copies of your insurance policies before discussing your case with an attorney.
When discussing your accident with an insurance adjuster at an insurance company, ask them to identify themselves. Write down this information, as it may be useful to you in the future.
Arkansas is an “at fault” state, meaning the person responsible for the accident is also responsible for paying damages. However, your insurance company will still want a notification that you suffered an injury in an accident. In some cases, they may even need to pay for some of the expenses, such as if you purchased an underinsured motorist insurance policy.
While your insurance company wants you to believe that they are on your side, this is not always the case. It is important to discuss your injuries and accident with an experienced Arkansas car accident attorney immediately. Your attorney can help you negotiate a fair settlement and deal with insurance companies efficiently after an injury accident.
Should You Accept the Insurance Company’s Settlement?
It is essential to know that the first offer an insurance company gives is usually their lowest. These low-ball settlements are just a fraction of what you may need to recover and put your life back together again. Never accept a settlement without first speaking to an experienced Arkansas car accident lawyer at Rainwater, Holt & Sexton. Our attorneys can review your settlement offer and make sure it is enough to cover all damages you suffered.
We’ll gladly evaluate the insurance company’s offer for free at absolutely no obligation to you. We’ll tell you if we feel like it’s a sound offer. If not, we’ll be happy to take on your case to ensure you get maximum compensation for your injuries. Either way, it’s worth a call to find out.
When examining the settlement offer, our attorneys will meet with you to help you answer three fundamental questions:
- Will the settlement offer from the insurance company be enough money to pay all your current and future medical expenses?
- Will it fully compensate you for all the paychecks you missed due to your injuries? Does it take into account any future work you may miss?
- Does their offer take into account your pain and suffering or the strain put on your family?
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After a car accident in Arkansas, it is important to retain legal representation quickly. The faster you have a lawyer on your side, the quicker you can obtain money for your injuries. Insurance companies often negotiate differently when they know an injured accident survivor has a lawyer on their side. This signals that you mean business and are unwilling to accept anything less than what you deserve.
With eight offices in Arkansas and Tennessee – Little Rock, Little Rock-Corporate Hill, Springdale, Conway, Hot Springs, Bryant, Jacksonville, and Memphis– our personal injury lawyers are easily accessible when you need help.
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Auto Accident Resources
Common Injuries Muscle Damage
Common injuries from car, truck, workplace, and motorcycle accidents. Car accidents are often traumatic. Even when they occur at low speeds, they can cause injury to the delicate nerves, muscles, and tendons in the body. Even the mental trauma of being injured in a car accident can follow you throughout your life. When another driver injures you or someone you love, it is important to know where you can turn for help. If you suffered muscle damage after an accident, you might require more rehabilitation and therapy than you realize. That’s why it is important never to sign a settlement with an insurance company before first speaking to an attorney. An experienced Arkansas car accident attorney can protect your rights during this difficult time, so you can focus on healing.
What To Do After a Car Accident That’s Not Your Fault
After any car accident, including an accident that you didn’t cause, your first steps should be to check for injuries and, if needed, contact 911 for medical assistance. Next, you should document the scene, collect information from the other driver(s) and witnesses, and prepare to contact your insurance company and an experienced car accident lawyer. If you've recently been in a car accident that was not your fault, it is important to know what to do to protect yourself and your rights, especially if you are considering pursuing legal help. Knowing what to do can make a significant difference in the outcome of your case and help you receive fair compensation for any damages or injuries you may have suffered. At Rainwater, Holt & Sexton, we understand the challenges you may face after getting into a car accident, and we're here to help. Our team of talented car accident attorneys will guide you through the legal process and fight for your rights so that you can focus on what matters most: your recovery. Whether you need help negotiating with insurance companies or representation in court, we have the expertise and resources to handle your case. Don't let the stress of a car accident overwhelm you. Contact Rainwater, Holt & Sexton today for a free consultation, and let us get you the compensation you deserve.
Arkansas Motorcycle Helmet Laws
Arkansas is home to more than 76,000 motorcyclists for good reason. Bikers here enjoy beautiful winding scenic rides during a large portion of the year. From the Arkansas Pig Trail to the Melbourne Run, there is no shortage of fun motorcycle rides in the “Natural State.” As a motorcyclist here in Arkansas, it is important to follow the rules of the road, as well as all applicable motorcycle helmet laws. Motorcycle helmet laws can prevent you from suffering serious injury and harm if you are involved in an accident. In fact, it is often your only form of protection during a crash. But are you required to wear a helmet at all times? What happens if you do not wear a helmet? Understanding Arkansas’ motorcycle helmet laws is an important part of staying safe out on the open road.
Spinal Cord Injury Lawyers Little Rock, Arkansas
Common Injuries from Car, Motorcycle, Truck and Workplace Accidents Car and motorcycle accidents can cause devastating and fatal injuries to occupants in the Little Rock area and beyond. One of the worst injuries an accident victim can face is a spinal cord injury. These injuries can result in permanent disability, requiring a lifetime of care. In the blink of an eye, you could lose the ability to walk, play with your kids, and live an active lifestyle. Even if your spinal cord injury is minor, you may still find your future impacted in ways you cannot imagine. Spinal cord injuries are often debilitating and result in a lifetime of pain and disability. These injuries usually happen suddenly and unexpectedly in a car, truck, motorcycle, or workplace accident, even sometimes occurring during a slip and fall or abuse incident. Even partial spinal cord injuries can prevent an accident victim from working or enjoying life to the fullest. Accident victims and their families typically need maximum compensation to pay for lengthy rehabilitation, hospitalizations, and long-term medical care. As such, it is important to contact an experienced Arkansas car accident lawyer immediately after your accident. Your personal injury attorney will be able to protect your rights to full and complete compensation, no matter how serious your spinal cord injury may be.
Arkansas Motorcycle Laws
Arkansas is home to more than 76,000 bikers. Bikers here enjoy beautiful winding scenic rides during a large portion of the year. From the Arkansas Pig Trail to the Melbourne Run, there is no shortage of fun motorcycle rides in the “Natural State.” As a motorcyclist here in Arkansas, it is important to follow the rules of the road, as well as all applicable motorcycle laws. Motorcycle laws can prevent you from suffering serious injury and harm if you are involved in an accident. Understanding and following Arkansas’ motorcycle laws is an important part of staying safe out on the open road. Adhering to the rules and laws of the road can also go a long way when seeking compensation in a potential personal injury lawsuit. Motorcyclists face an uphill battle when collecting damages because they have to overcome many unfair biases. Insurance companies may try to pin some of the blame on the rider or the other drivers may claim the motorcyclist was riding recklessly. Following the rules and laws of the state can help ensure that you are able to get the money you need to move forward in life after a serious motorcycle accident.
Broken Bones & Fractures Attorney Little Rock, Arkansas
Common Auto, Truck and Motorcycle Accident Injuries Approximately six million people in the United States break a bone each year. These fractures range from minor breaks to more serious compound fractures. Any trauma can cause a bone to break; car, truck, and motorcycle accidents are some of the most common causes. Unfortunately, after a car or truck accident, injured accident victims do not always take fractures seriously. They may believe that their injuries are not that severe and that they will make a full recovery after the initial treatment is done. This is far from true. Many car accident victims lose range of motion or suffer from chronic stiffness and pain long after the injury has healed. While minor fractures may not pose any long-term danger, more serious fractures can result in significant complications, impairments, and a lifetime of chronic pain and suffering. This is why accident victims need an experienced Arkansas law firm and skilled car accident lawyer in their corner. Your personal injury attorney will be able to help you obtain the money you need to recover after a significant fracture.
Common Injuries Burns
Common Injuries from Car, Motorcycle, Truck and Equipment Accidents Every year, more than 1.1 million people in the United States seek medical attention because of a burn injury. Many result from car, truck, motorcycle, and equipment accidents. Some of these burns are serious enough to cause significant disfigurement, impairment, and even death. In 2016, more than 40,000 patients who suffered a burn injury needed to be hospitalized due to their injury. Even worse, 75 percent resulted in patients seeking treatment at a burn center. Burn injuries are some of the most painful and life-changing injuries an accident victim can suffer. Injury victims may need years of extensive rehabilitation and plastic surgeries. Sadly, even with extensive treatment, many burn injury victims will not recover fully from their injuries. This can result in a lifetime of pain, suffering, and emotional distress. Due to the traumatic nature of these injuries, burn injury victims need a trusted Arkansas personal injury lawyer in their corner from the very start. Your burn injury lawyer will need to fight aggressively for your future and your right to full and complete compensation.
The Most Dangerous Roads, Interstates & Intersections in Arkansas
More than 16,000 miles of state and U.S. highways and interstates run through the state of Arkansas. This doesn’t include the thousands of small city streets, county roads, and suburban neighborhoods. With all of these intersecting roads and freeways, it’s no wonder, so many car accidents occur here in this state. In 2019 alone, over 500 people died in Arkansas car crashes - the most since 2016. Unfortunately, some roads in Arkansas are simply more dangerous than others. Whether due to increased traffic or poor maintenance, these roads see more crashes than other roads across the state.
Common Causes: Poor Highway Design
Common Causes of Auto Accidents The Federal-Aid Highway Act of 1956 gave birth to the massive network of interstates and highways that traverse our vast country. Construction of the Interstate Highway System took nearly 40 years and was finally proclaimed “complete” in 1992. Today, more than 25% of all vehicle miles driven in the United States are on the Interstate Highway System. The original planners envisioned a massive network of freeways and highways stretching across the United States. This network was intended to safely transport the ever-growing number of vehicles in the country. While these intentions were good, the design of the highway system had some major flaws and has actually led to significant problems over the years. Car accidents on the highways and interstates are frequent and have numerous causes. Speeding, reckless driving, and intoxicated drivers make highways a dangerous place to be, especially during rush hour. However, another common cause of car accidents may very well be the road design themselves. Unfortunately, poor road design isn’t always easy to prove. Accidents that are caused by defective highways or poor road design require the skills of an experienced and aggressive law firm with the extensive resources needed to tackle these complex cases.
Common Causes of Guardrail Accidents
You probably pass guardrails every day and never give them a second thought. However, guardrails are an important safety feature on the highway. Their primary purpose is to provide a layer of protection for motorists who have drifted off of the road. When a stretch of road has a steep embankment or a drop-off, a guardrail can be the only thing protecting drivers and passengers. They’re also great at keeping motorists from running into trees, or other structures, such as bridge piers or retaining walls. Unfortunately, while guardrails are intended to protect car occupants from serious injury, they can actually become the cause of it. In fact, guardrails are often ranked as the highest source of injury and fatality collisions in fixed-object crashes. The reason for many of these injuries and fatalities is the type of treatment used at the end of the guardrail facing oncoming traffic. Some end terminals have energy absorbing properties, however, some do not.
Common Causes: Drowsy Driving Car Accidents
According to the CDC, more than a third of all adults do not get the recommended sleep they need to function properly. The results can be catastrophic when adults don’t get the recommended hours of sleep. Drowsy driving is one of the main causes of car accidents across the United States, accounting for at least 20% of all fatal crashes every single year. Even missing an hour of sleep can double your risk of getting into a crash. According to the AAA Foundation for Traffic Safety, missing two or three hours of sleep increases the risk of crashing by 400%. When a drowsy driver injures you or someone you love, you need a law firm on your side with experience handling these cases. You need Rainwater, Holt & Sexton. Our Arkansas drowsy driving accident attorneys have decades of experience building - and winning - cases against drowsy drivers. Call us today to schedule a free consultation and to learn more about your legal options.
What to Do After a Rental Car Accident
You're driving along the beautiful roads of Arkansas, having a fantastic vacation. Then, out of the blue, something unexpected happens—a car accident. Suddenly, all the fun and joy vanish, leaving you overwhelmed and unsure about what to do next. Dealing with a rental car accident can be tough and confusing. Immediately after the accident, you’ll need to check that you and your passengers are safe, then document the scene and prepare to report the accident. If navigating the aftermath of a rental car accident in Arkansas sounds overwhelming, don’t worry — our Rainwater, Holt & Sexton team is here to help. We’ll walk you through the steps you should take before and after a rental car accident. Plus, we’ll help you preserve your right to compensation after an accident so that you can fully recover emotionally and financially. We have experience handling rental car accident cases across the state and strive to make it easy on you so you can focus on your recovery. We’re here to face this challenge alongside you.
Common Injuries: Whiplash
Auto, Truck, Equipment, and Workers' Comp Accidents in Little Rock and Beyond The forces of an accident can be severe and can damage the delicate muscles, ligaments, and tendons in the neck. The same can occur with trauma from a slip and fall, equipment accident, nursing home abuse, or assault. Due to the nature of these injuries, the full extent of damage is not always fully apparent right after a crash or other accident. However, in the hours and days following the accident, victims may begin to experience pain, stiffness, and numbness in their neck and extremities. Whether you feel all the effects of whiplash right away or start to experience them later, it is important to seek medical help immediately and then speak with an experienced personal injury lawyer as soon as possible.
Common Causes : Speeding
If you are involved in an accident caused by a speeding driver in Arkansas, it can be difficult to get the compensation you need to recover from your injuries and other damages. Insurance companies will often try to blame the victim for their own injuries, even if they are not at fault. Car accidents are one of the leading causes of injury and death in the United States and Arkansas. Unfortunately, excessive speeding can be a significant factor in many of these accidents. Studies have found that speeding is involved in about 30% of all fatal crashes. Sadly, many accidents would not occur if drivers followed the speed limit. If you were speeding at the time of an accident, it may complicate your ability to collect the compensation you deserve. Insurance companies will look to pin more blame on you if you were speeding, even if you did not cause the accident. That's where an experienced Arkansas car accident attorney comes in. A knowledgeable lawyer at Rainwater, Holt & Sexton can help you navigate the legal process after a car accident, fight for the compensation you deserve, and help you understand your rights and options to make the best decision for your future. If you or a loved one have been injured in a car accident caused by someone else's speeding, don't wait to get help. Call us at [rainwater_tel] to discuss your case and learn more about your legal options.
Common Causes : Animal Collisions
Common Causes of Auto and Truck Accidents From the Ozark Mountains to the delta Arkansas is full of natural beauty. That’s why it is known as the “natural state.” However, this natural beauty comes with a price, and Arkansas drivers know all too well the perils of driving on rural roads in the state. After all, Arkansas is home to numerous wildlife, including white-tailed deer, coyotes, wild hogs, skunks, possums, and even black bears. Many of Arkansas’s most traveled roads cut through some of their natural habitats. As a result, drivers have an increased chance of encountering a variety of wildlife on the roads. In addition to wildlife, there are also numerous livestock farms and ranches across the state, further increasing your chance of getting into a collision with an animal. Hitting an animal on the road can cause severe damage to your vehicle and can even cause you to crash into another vehicle. If you’ve been injured in an animal collision in Arkansas, you may believe that there is nothing you can do. However, this may not be the case. At Rainwater, Holt & Sexton, our animal collision lawyers know how to handle these complex and unique cases. Call us at [rainwater_tel] to learn how we can help you during this difficult time.
What Is a Personal Injury Medical Lien?
Have you recently discovered that someone has filed a medical lien against you? Are you considering filing a lien on your own? If either of these situations applies to you, it is vital to take the time to understand the complexities of medical liens and how they might affect your case and the compensation you receive. Typically, liens are legal claims placed on your property or assets due to unpaid debts or judgments. In the case of a personal injury claim, a healthcare provider or insurer may file a lien seeking reimbursement for medical expenses related to your injury. If you have been involved in an accident or personal injury case, talk to an experienced Arkansas personal injury lawyer. They can help you negotiate with healthcare providers and insurance companies to minimize the impact of any liens on your settlement or compensation. If you are considering filing a lien, it is equally important to understand the legal requirements and implications of doing so. Dealing with liens can be overwhelming, but you can successfully navigate this process with the right guidance and support. Our personal injury attorneys at Rainwater, Holt & Sexton are here to walk you through the basics.
How Long Does a Car Accident Claim Take To Settle?
The amount of time it takes to settle a car accident claim can vary based on several factors, such as the severity of the injury, the number of parties involved, and insurance company policies. However, in Arkansas, insurance companies have 45 working days to complete their investigation of a claim, while in Tennessee, they only have 30 days. Once their investigation is complete, other various factors will determine how long your case takes to settle. If you’ve suffered an injury in a car accident, you may be ready to collect your money NOW! Unfortunately, insurance companies know this and use it to their advantage. Some insurance companies purposefully delay settling claims, hoping you’ll become desperate and agree to far less than you deserve. At Rainwater, Holt & Sexton, our lawyers know the quickest way to secure maximum compensation for our clients. Let us worry about your settlement and the complexities of filing your claim, while you focus on your recovery and rebuilding your life
What To Expect Physically After A Car Accident
Car accidents happen in a moment, but it can take days or even weeks to grasp the full extent of your injuries. Whether you’ve been involved in a high-speed collision or a minor accident, you should pay careful attention to your physical symptoms in the wake of a crash. The aftermath of an accident is often overwhelming. You have to handle phone calls, paperwork, police reports, and more — all while processing the physical and emotional effects of your crash. Thankfully, you don’t have to do it alone. Our experienced lawyers at Rainwater, Holt & Sexton are here to help you navigate the physical aftermath of an accident and get the compensation you need to recover.
What Does a Car Accident Lawyer Do?
You may not know what to do next if you get hurt in a car accident. Your injuries may prevent you from working and from moving forward in your life. During this stressful time, insurance companies may call and pressure you into signing a quick settlement or giving a statement. You do not have to go through this alone. If you've been hurt in a car accident and were not at fault, a car accident lawyer can assist you in exploring your legal options, building your case, and filing for compensation. The personal injury legal team at Rainwater, Holt & Sexton helps injured car crash victims navigate the legal process and obtain the compensation they deserve. Whether you need assistance with medical bills, lost wages, or other damages resulting from the accident, we can help you get the justice you deserve.
Car Accident Property Damage
After a car accident, there is one thing almost all crash victims do. They get out and look at the damage to their cars. Why? Because everyone is worried about their property damage. Fixing a car that has been in an accident can be expensive and can take a long time. During that time, it is difficult to get to work, run errands, and attend appointments. As such, crash victims often want to get their car repaired quickly, so they can get back to their lives.
School Zone Accidents – Causes and Statistics
Students are beginning to return to the classroom across Arkansas and Tennessee, which means more vehicles and pedestrians are on the road. In fact, according to recent statistics, more than 100 schoolchildren are injured every single year in accidents that occurred inside of school zones. These accidents often involve motorists failing to recognize the child on the road and the majority of these accidents occur as children are getting on or off of school buses or crossing at intersections near the school. When drivers are speeding, driving recklessly, or driving distracted, serious and sometimes fatal school zone accidents can occur.
Did you know that every year in Arkansas, an estimated 25 pedestrians die in accidents that could have been prevented? From hit-and-run accidents to drunk driving crashes, pedestrians face numerous dangers when crossing the road. Pedestrians are the most vulnerable people on the road. There is no protection between them and the surrounding vehicles. After all, the human body is not made to withstand the forces of a car accident. Even when accidents occur at low speeds, pedestrians can suffer serious and fatal injuries. From broken bones to serious head injuries, injuries suffered in pedestrian accidents often result in long-term disability, pain, and suffering.
Hailstorm, Tornado or Storm Damage Claims Lawyers
Filing a Hail, Tornado, or Storm Damage Claim You’ve just gone through a severe natural disaster in Arkansas and seen your home ruined by a tornado. Yet, you’ve faithfully paid your insurance premiums for years, believing that your insurance company would be your safety net during times of crisis. But when you submitted your claim for the extensive damage incurred, the insurance company rejected your claim. How can they do that? Most insurance companies step up and do the right thing when you’ve been through as disaster, but unfortunately, this story is not unique. Numerous policyholders face the harsh reality of insurance companies who refuse to handle storm damage claims promptly or ethically. When homeowners need them most, these insurers turn their backs and make the road even more difficult for families. Denied claims, lengthy delays, and inadequate compensation have become hauntingly familiar, leaving Arkansas homeowners stranded and their dreams shattered. Storms, hail, tornadoes, and severe weather events can wreak havoc on our homes and properties. Insurance policies are designed to provide financial protection in these situations. When insurance companies deny, delay, or underpay your storm damage claims, where can you turn for help? At Rainwater, Holt & Sexton, our storm damage attorneys are here to help you rebuild your life after a tornado, hail, or severe weather event. We know that some insurance companies don’t play fair. When they do, we fight back and stand up for homeowners throughout Arkansas and Tennessee. Contact us at [rainwater_tel] to learn how we can help you.
When Should I Get An Attorney for a Car Accident?
After an accident, car accident victims are often left to deal with serious injuries and rising medical bills on their own. Insurance companies often offer accident victims a lowball settlement that is just a fraction of what they need to recover. These insurance companies don’t have your best interest in mind—the only people they have in mind are their shareholders and reducing their liabilities. They may pressure accident victims into signing a settlement too quickly and you could end up with less than you need to cover your injuries. The moment your accident occurred, a clock started ticking. It’s a countdown to the first financial hit coming your way as a result of your injuries. For most folks, that first hit is a missed paycheck. Then the first medical bill comes in, and there won’t be just one. Pretty soon, you find yourself with a financial problem that you don’t know how to solve. That’s why it’s important that you call one of our experienced car accident attorneys as soon as possible following your accident.
Your Guide to Getting a Rental Car After an Accident
After a car accident, you may feel confused and uncertain about where to turn for help. You know you weren’t at fault, but somehow, you’re still stuck paying the bills. If your car is damaged, you might be unable to drive to medical appointments, school, or work, making life even more difficult. How can you get a rental car after an accident, and who pays for your rental car? Because Arkansas is an “at-fault” state, if another person caused your accident, they should pay your rental car fees. However, collecting this money isn’t easy without a lawyer in your corner. At Rainwater, Holt & Sexton, our Arkansas car accident attorneys can help you file the necessary claims and collect the money you deserve – even for a rental car. If the insurance company gives you trouble or refuses to pay these expenses, we’ll be fighting for you every step of the way.
Release of All Claims Form
One of the documents the insurance adjuster will attempt to get you to sign is the ‘Release of All Claims’ Form. This form is often included as part of a settlement agreement and it is a release of liability. Essentially, this form releases the other party from fault. When you sign this form, you are dismissing your claim and stating that your differences have been resolved. Insurance companies will often demand that you to sign this document before they will pay you any money. This protects the insurance company from further litigation regarding this accident. It states that you are choosing to waive your rights to future claims on this accident and have accepted the settlement they’ve offered as adequate compensation. Most ‘Release of All Claims’ Forms will include the following information: Details of the accident Your claim for property damages and/or bodily injury Identification of all parties Payment Governing law
Airbags Didn’t Deploy – Do I Have a Case?
When you get into a car accident, you trust that your car’s safety features will protect you from harm. After all these features are designed to protect drivers and passengers from the extreme forces of the crash. While they cannot prevent all injuries, they do reduce the severity of the injuries suffered. But what happens when your airbags don’t deploy during a car accident? In some situations, this could be the result of a manufacturing defect. When a manufacturer’s negligence or defective design results in your injury, you may be able to file a claim or lawsuit seeking damages. However, these types of cases are complex and difficult to navigate on your own. As such, it is important to speak to an experienced Arkansas product liability lawyer immediately to explore your legal options.
Who is at Fault in a Left Turn Accident in Arkansas?
For most of us, driving a vehicle is an everyday activity. While it can feel like we’re on autopilot when getting behind the wheel, we’re actually making decisions and adjustments every second to keep ourselves, our passengers, and other vehicles safe. However, even for the most experienced driver, there’s one most dangerous maneuver in Arkansas: left-hand turns. In most cases, the driver making the left-hand turn is liable for the accident and for the damages they caused. That’s because Arkansas law requires drivers making a left-hand turn to yield to all oncoming traffic. However, there are some exceptions. If you or someone you love was injured in a left-hand turn accident, it is important to know that you are not alone. At Rainwater, Holt & Sexton, our Arkansas car accident lawyers have the experience and resources needed to win these cases and bring home maximum compensation for our clients.
Types of Compensation after Auto Accident
After a car crash, you might struggle to recover from significant injuries. Your car might be totaled, and your life completely turned upside down. How will you collect the money you need to recover and rebuild your life? Unfortunately, not all car accident victims can collect compensation after a car accident. Collecting compensation depends mainly on the type of insurance you carry, the other driver’s insurance, and who is responsible for the crash. Can you collect compensation for medical expenses and other damages? Or are you on your own? When a car accident derails your life, you need answers, and you need a law firm on your side that can help you find those answers. At Rainwater, Holt & Sexton, our auto accident lawyers can help you collect the compensation you are entitled to, so you can focus on what’s most important – your recovery.
What to Say and Not Say to the Insurance Company
Every injured Arkansas car accident victim has some questions about their next steps. How will I pay for my medical expenses? What happens if I can’t work again? Can I get my car repaired? Who is to blame? These questions can keep you up at night and cause you significant stress and anxiety. As you struggle to deal with your injuries, you deserve to have someone on your side who can help answer your questions and fight for your rights. However, where you go to obtain answers to those questions can profoundly impact the outcome of your injury claim. Unfortunately, Arkansas insurance companies have one main goal: to pay you as little as possible. They often twist things you say to help them reduce your claims.
How to Appeal a Denied Auto Insurance Claim
Insurance adjusters look for any excuse to deny your car accident insurance claim. You might already know this if you received a claim denial. Receiving a claim denial after a car accident can put a significant financial burden on you and your family. It can also make you feel scared and angry. After all, aren’t insurance companies supposed to be on your side after an accident? The cold reality is that insurance companies are NOT on your side. After a crash, their main goal is to pay you as little as possible. This is unfair, and without a legal team, you may feel helpless to fight back. Fortunately, there are ways you can fight auto insurance claim denials and win. With Rainwater, Holt & Sexton on your side, you can hold insurance companies to the task of paying you what you deserve. Our Arkansas auto accident lawyers know how to fight uncooperative insurance companies.
How to Deal with Insurance after a Car Accident in Arkansas
Insurance companies make billions of dollars a year in profits offering Americans peace of mind. They promise that if you pay your premiums on time, they’ll be there when catastrophe strikes. Unfortunately, this isn’t always true. Many insurance companies take advantage of injured accident victims and their fragile physical and emotional states after a crash. They often offer a lowball settlement and use a harsh “take it or leave it” approach in order to pressure crash victims into signing quickly. If you’ve been injured in a car crash in Arkansas, we can help. Our car accident attorneys know the insurance company’s tricks and tactics and we use this knowledge to fight aggressively for our clients.
Who is At Fault in a Car Accident in Arkansas
Car accidents occur in a split second – but their effects can last a lifetime. In a moment, your entire life can be turned upside down. You may be left wondering how you will recover from your injuries, who will pay your medical expenses, and when you will be able to work again. Unfortunately, the key to obtaining the money you need to recover depends largely on establishing fault after a car accident. While this may seem like a simple task, nothing could be further from the truth. Car accidents are not always cut and dry and establishing fault can be difficult. There may be multiple parties responsible for your injuries or you may share some of the blame for the crash yourself. You and the other driver may differ in how you remember the accident occurring or the police report may contain inaccuracies that jeopardize your claim. As you can see, the complexities of a car crash can make establishing fault difficult. Without the help of an experienced attorney, you could end up paying for a crash that wasn’t your fault.
Car Accident Statute of Limitations
If you suffer an injury in a car accident in Arkansas, you only have a limited time to file a personal injury claim. This is known as the statute of limitations. If you miss this critical deadline, you will not be allowed to recover money for your injuries or for damages. To learn more about your legal options, call Rainwater, Holt & Sexton. Our Arkansas car accident lawyers can make sure you do not miss deadlines for filing a lawsuit. We can work with you and the insurance companies to ensure that you have the money you need – and deserve.
Uninsured Motorist Accident Lawyers in Arkansas
Arkansas is an “add-on” state when it comes to no-fault car insurance. This means that drivers are required to carry at-fault liability coverage, but they can also add on an additional no-fault coverage policy as well. If you are injured in an accident, this no-fault liability policy will help pay your medical expenses and damages, no matter who is to blame for the accident. Unfortunately, collecting compensation after an accident isn’t always easy – even if you have a no-fault insurance policy. That’s why all injured Arkansas accident victims should contact an experienced attorney immediately after their accident. At Rainwater, Holt & Sexton, our attorneys have extensive experience negotiating accident claims with insurance companies and protecting injured accident victims and their rights to full compensation.
Arkansas Hit and Run Attorneys
Being involved in an accident can be terrifying. Realizing that the driver responsible for your accident has suddenly fled the scene can turn a scary situation into a real-life nightmare. If the driver is never found, who will pay for your medical expenses, car damages, and lost time from work? While you’re interested in finding the “at-fault” driver to pay for damages and lost wages, the police are only interested in pursuing criminal charges against the hit and run driver. So, who is on your side? With a hit-and-run accident lawyer on your side, there are ways you can use the law to recover the money needed to help pay for your medical bills. If you have PIP insurance, you may be able to start collecting money from your own policy until the driver who fled the scene of the accident is found. Hit-and-run accidents are why Uninsured Motorist Coverage exists on an auto policy. If you carry this insurance coverage, which is a good idea for everyone, it will step into the place of the wrongdoer and cover your personal injuries up to the policy limit. Uninsured Motorist Coverage is in addition to your PIP coverages, such as med pay.
How Do No-Fault Insurance Claims Work in Arkansas
What to Do After a Car Accident in Arkansas
Being involved in a car accident can be terrifying. In the blink of an eye, everything can change. You may be suffering from serious injuries and suddenly unable to provide for your family. Even if you are uninjured, you may find it difficult to sleep, work, and engage in life in the same way. And, your family may be left with unimaginable financial burdens during this time, further complicating your recovery. When you are injured in a car accident, the steps you take immediately after the crash can have a significant impact on your ability to collect the compensation you deserve. Without the money you need, it may be difficult to recover fully from your injuries or repair your car quickly. Unfortunately, many accident victims in Arkansas don’t know what to do after a car accident.
What To Do If You Get Caught In Bad Weather
Most Arkansas residents know how unpredictable the weather can be and getting caught in the rain as a biker can be a little unnerving, especially if you are not prepared. Riding in rain can pose a high danger risk, but there are certain steps that you can take when being caught in the middle of... Read more »
Traumatic brain injuries (TBIs) are devastating and can lead to long-term health problems and disability. In the blink of an eye, your whole world can get turned upside down when you suffer a brain injury. While some people will recover from their brain injury, others may face a lifetime of physical and mental impairment. If you or a loved one has suffered a brain injury, it is essential to consult with an experienced Arkansas brain injury attorney. At Rainwater, Holt & Sexton, we can help you receive the compensation you deserve for your injuries. Our lawyers know how to fight insurance companies aggressively at every turn. We work with medical teams to identify how your specific brain injury will affect your life and future, and we use this to build a case for you and your loved ones. After all, we know that living life with a brain injury isn’t easy. It takes considerable resources to pay for medical bills, rehabilitation, and home care. That’s why we don’t back down when we negotiate with insurers on behalf of our clients. Our Arkansas brain injury lawyers will work to protect your future every step of the way.
Injured as a Passenger in a Car Accident
Getting into an accident as a passenger can be a confusing and stressful experience. You may be concerned about who is at fault and responsible for paying damages. If your car’s driver is at fault, their insurance company will usually cover the costs of the accident. However, many insurance companies try to play hardball with passengers, making it challenging to receive the compensation you deserve. When this happens, what can you do? Where can you turn for help? The legal process might become more complex if you suffered an injury as a passenger in a car accident. You may need to know who is responsible and where to file your claim. At Rainwater, Holt & Sexton, our Arkansas car accident attorneys can help injured passengers get the compensation they deserve. We know how to assess liability and prove your case quickly. Let us take the legal burdens off your shoulders and provide you with the legal guidance you need during this difficult time.
Arkansas law requires pedestrians and motor vehicle drivers to share the roads to prevent accidents and injuries. Unfortunately, Little Rock roads are dangerous to pedestrians, and accidents occur here frequently. Poor infrastructure, higher speed limits, and driving distractions can increase the risk of accidents. Due to the size and weight of most cars and trucks on the road, pedestrians sustain severe injuries in an accident. Even at low speeds, a pedestrian can suffer life-threatening injuries, requiring hospitalization and a lifetime of care. If you suffered an injury in a pedestrian accident in Little Rock, you need money to pay for medical care, rehabilitation, lost wages, and future disabilities. However, insurance companies don’t make collecting compensation easy. They’re hoping you give up and take the settlement they offer without a fight. For this reason, you need a law firm on your side from the beginning. You need a Little Rock pedestrian accident lawyer to fight for you and your right to justice.
Recovering Lost Wages After Auto Accident
You’re driving home after a fun night out with friends when suddenly, a drunk driver plows into your car at a stoplight. In the blink of an eye, your whole life changes, and you suffer from severe and catastrophic injuries. During this time, you must miss months of work while you recover from your injuries and put your life back together again. How will you pay your rent without your paycheck? How will you continue to support your family? Can you get reimbursed for lost wages? An injury from an auto accident can leave you unable to work, thus making it difficult to pay bills and support a family. If you suffered an injury in a car accident caused by another person’s negligence, you have a right to recover lost wages. There are several ways to make sure you recover compensation for lost wages, but determining the right course of action is best done with the guidance of an experienced auto accident lawyer. At Rainwater, Holt & Sexton, our Arkansas car accident attorneys know how to help accident victims recover the money they need after a crash. We work quickly to secure maximum compensation for our clients, including payments for lost wages and loss of future earnings. Call us today to learn how we can help you recover what you need after a serious Arkansas car crash!
When to Call a Lawyer
When to Call a Lawyer After a Car Accident in Memphis Perhaps you got into a serious car accident on the I-55? Or even a smaller road? In the aftermath of the accident, you may not know what to do or where to turn for help. You may find that insurance companies begin pressuring you to sign a quick settlement. Is this in your best interest, or is this a mistake? How do you know when to hire an attorney after a car accident? The best way to know if you should hire an attorney after a car accident in Memphis is to speak to an experienced and skilled lawyer in a FREE initial consultation. If you suffered an injury or property damage in the crash, you could benefit from their services. In fact, you stand to gain substantially more compensation with a lawyer on your side. Insurance companies know this. This is why they want you to sign quickly. They don’t want you to realize that a Memphis car accident attorney could help you. They don’t want you to call Rainwater, Holt & Sexton. GET FREE CONSULT NOW
How to Choose the Best Personal Injury Lawyer in Arkansas
When you suffer an injury in an accident, it can seem like your whole world is crashing down around you. Life as you know it may never be the same, and you need someone on your side to help you navigate this new path. As you focus on your recovery and on rebuilding your life,... Read more »
Will My Personal Injury Case Settle or Go To Trial?
When you suffer an injury in an accident, you may need to file a personal injury claim or lawsuit to obtain the compensation you need. With the right personal injury lawyer on your team, you can typically get significantly more money for your accident and injuries. Your lawyer will work to negotiate the best possible... Read more »
Who Can Sue for Wrongful Death After an Auto Accident?
Who Can Sue for Wrongful Death After an Auto Accident in Arkansas? If you lost a loved one in an auto accident in Arkansas, you know that your life will never be the same. In the blink of an eye, everything you planned and all your future dreams may have been lost. The pain of losing a loved one is unbearable and survivors are often uncertain how they will ever put their lives back together. During this difficult time, it is important to know that you are not alone. A compassionate Arkansas attorney can help you through the aftermath of a tragic auto accident. In many cases, surviving family members can file a wrongful death lawsuit to help recover financial losses. While no amount of compensation could ever replace the loss of your loved one, you and your family should not have to shoulder unnecessary financial burdens because of another person’s negligence. When a person or entity causes the death of another, surviving family members can bring legal action in civil court against the negligent party. This is known as filing a wrongful death suit. In Arkansas, however, only certain family members are allowed to file a wrongful death lawsuit to seek a civil remedy. Wrongful death in an auto accident can happen if, for example, a driver fails to stop at a red light and collides with another car or a driver drives the wrong way on a one-way street harming others. In these instances, the driver is not abiding by traffic laws, failing to use reasonable care while operating their vehicle. Under state law, the personal representative of the deceased’s estate must be the one to file the wrongful death claim in court. But what do you do if a representative was never appointed? If there is no personal representative, then surviving family members may be able to file a wrongful death lawsuit, including: Surviving spouse Children Parents Siblings Dependent minors Life partners Be prepared to prove your relationship to the deceased with a wedding license, birth certificate or copy of the will, depending on your relationship. Let Us Reivew Your Case
What are Future Damages in a Personal Injury Case?
If you suffered an injury because of someone else’s negligence, you should not have to face any expenses as a consequence of that injury. Justice means that the person or people responsible for your injury should be the same ones responsible for paying for it. After a serious accident, you deserve justice and an experienced... Read more »
Airbag Injury Lawyer in Arkansas & Tennessee When you are involved in a car accident, you trust that your vehicle’s protective devices will help you avoid injury. Unfortunately, sometimes the devices that are supposed to offer us protection actually result in significant personal injury. When a car’s airbag deploys during an accident, it does so at a very high speed. It is hot and covered in chemicals that help it deploy quickly. This can result in serious airbag injury to the driver and passengers, whether it’s an auto accident or big rig truck accident. Airbags can cause significant injuries that may even result in permanent disability and impairment. If you or your loved one are injured by airbag deployment, you need an experienced Arkansas car accident lawyer fighting for you and your rights to compensation. Without a personal injury attorney on your side, you may not recover the money you need to pay all of your expenses. You may also have have a case if your airbags do not deploy.
Arkansas DUI Hit-and-Run Victim Awarded $900,000
Rainwater, Holt & Sexton Injury Attorney, Meredith Moore, represented Jaylin Anderson after he was run over by a drunk driver in Jacksonville of February 2018. Sharon Shinn, the defendant in this case, is a repeat offender, and has had five DUIs in three years. Anderson was out for a run, was hit by Shinn’s car... Read more »