The Insurance Company Offer: What is Fair?

by Cary Graham | April 4th, 2017

The offer. That’s what a car accident injury claim really comes down to. What is the insurance company willing to pay for your injuries? In our experience, their first offer doesn’t come close to what you’re truly going to need to recover from your injuries. The problem is a lack of information. By the time you get your first offer from the insurance company, you may only have seen one or two medical bills, and they may be estimates.

What about the doctor’s visit you have scheduled for next week? Or the set of X-rays you’ll have to get next month? What about the days, weeks, or months of work you’ll miss over the next year, not to mention your pain and suffering? The simple fact is you don’t know how much your accident is going to cost you when that first offer comes in, so how can they expect you to make a decision on whether or not it’s fair?

The answer is you can’t on your own. You need someone looking out for your best interests just like the insurance company is looking out for their own. At Cofman Townsley, we know how to determine what a car accident is going to cost in the long-run, and we’ll fight for every dollar on your behalf.

If you’ve been injured in a car accident, don’t let the insurance company take advantage of you. Contact our St. Louis car accident attorneys today for a free consultation. We’ll review your case for free, and if we feel we can help, we’ll take on your case on a contingency basis, which means if we don’t get you money, you won’t owe us anything. Contact us today.

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Get the Right Tool for the Job

by Cary Graham | March 14th, 2017

Half the battle of fixing something that is broken is finding the right tool for the job. That’s true in carpentry, auto work, plumbing, and a thousand other similar professions. For those who aren’t mechanically inclined, we’d suggest that finding the right person with the right tool for the job is even more important. For example, if you need a tree cut down, you call a tree company. If you need your house rewired, you call an electrician. And yes, if you need to maximize your injury claim after a car accident, you call an experienced St. Louis car accident attorney.

But why do you need a lawyer when the insurance company is already offering you money? That’s a good question. Let’s consider the scenario of getting a tree cut down. The insurance company’s first settlement offer is similar to a tree service saying they’ll only cut off the very top of the tree. That doesn’t solve your problem. An attorney would go back to the tree service and say, “Cut down the entire tree and clean up afterward.” Similarly, an experienced car accident attorney goes to the insurance company on your behalf and demands every dollar in compensation you deserve, not a penny less.

If you’ve been injured, call our experienced St. Louis car accident attorneys today for a free consultation. We’ve been helping accident victims in Missouri for more than 30 years, and we’re ready to put that experience to work for you. Contact us today for a free, no obligation consultation.

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Car Accident? The Right First Step is Easy

by Cary Graham | February 7th, 2017

If you’ve been seriously injured in a car accident, you’re probably wondering what your next steps should be. That’s understandable. Since most folks in St. Louis don’t expect to be in a car accident, they don’t prepare ahead of time. So when the time comes, they’re at a loss for what they should do. Thankfully, the right first step is simple. In fact, you can do it right now. Call an experienced car accident attorney to review your case for free.

Why? First of all, an attorney knows what your case is truly worth and can fight to get you the compensation you deserve. Determining the worth of a case can be difficult on your own. You’ve got current and future medical expenses to consider, not to mention lost wages for the time you’ll be out of work. Do you really think you’re able in your current state to accurately estimate your upcoming medical expenses?

Secondly, the person who hit you probably already has a lawyer lined up to fight on their behalf. Most insurance companies will assign an attorney to represent their clients in a legal dispute following an accident. That attorney may have decades of experience fighting on behalf of insurance companies and may be able to minimize your injury claim if you try to go it alone.

Don’t do it.

If you’ve been injured, call our experienced St. Louis car accident attorneys today for a free consultation. You have nothing to lose by getting an attorney’s advice. In fact, doing so could be the difference between a small settlement and winning big. Take the right first step toward putting this accident behind you. Contact us today.

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Holding Fatigued Drivers in St. Louis Accountable

by Cary Graham | January 3rd, 2017

Driving is a privilege. Every time you get behind the wheel, you’re taking on a responsibility to yourself and the other people out on the road. That’s why driving impaired is never a good idea. Everyone knows that driving under the influence of drugs or alcohol or driving distracted is never a good idea. However, you may be surprised to learn that driving fatigued can be just as dangerous.

According to a recent study conducted by the AAA Foundation for Traffic Safety, driving while sleep-deprived is the equivalent of driving after consuming 3-4 alcoholic drinks. And with 35% of Americans getting less than the recommended seven hours of sleep every night, the chances of encountering a fatigued driver out on the road are pretty high. Considering those dangers, it’s important to know who you can trust after a serious accident.

If you’ve been injured, our team of investigators will work to uncover the true cause of your accident and hold the responsible party accountable for their carelessness. At Cofman Townsley, we have years of experience getting maximum compensation for our clients, and we’re ready to do the same for you. Don’t wait to get the help you need. Contact our experienced St. Louis car accident attorneys today.

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3 Things We Know About Your Car Accident

by Cary Graham | December 9th, 2016

Personal injury law is a broad discipline. At Cofman Townsley, we handle a wide range of cases from car accidents to medical malpractice. That variety in case type ensures there’s always something new and unique coming through our doors. Though the specifics of each car accident are different, there are 3 things we can pretty much guarantee is true about your car accident without knowing any of the details.

  1. If injuries were involved, it’s going to get complicated. Fender benders happen all the time in St. Louis, many of which are never reported. Even if substantial damage was done, the damage claim process is pretty straight forward, requiring a few hours of your time–a temporary inconvenience for sure. Add injuries into the mix, and everything gets more complicated. Now you have an injury claim, which means a fight with the insurance company for compensation.
  2. Your first settlement offer will probably be low. If you are injured in a car accident, it’s the at-fault driver’s insurance company’s responsibility to compensate you for your injuries. Their goal is to pay you as little as you’re willing to take for your injuries, so you can bet on that first initial offer to be lower than you might get with an attorney.
  3. Your best next step is to consult with an attorney. No matter how severe your injuries or how much the insurance company is offering you, your next step should be to call an experienced St. Louis car accident attorney. At Cofman Townsley, we offer free consultations to all St. Louis car accident victims, so you have nothing to lose by giving us a call. We’ll advise as to what your next steps should be, so you can approach your injury claim with confidence.

If you’ve been injured in a car accident, don’t make the mistake of trying to handle the insurance company on your own. You’re just one step away from making a huge financial mistake. Call us instead for a free consultation. Our experienced St. Louis car accident lawyers are ready to put our experience to work for you, so contact us today.

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No Second Chances in Personal Injury Law

by Cary Graham | November 1st, 2016

There are no second chances in a car accident injury claim. You get one shot to get it right, and then you live with the results. In our experience, there are really only two outcomes. Either you get the money you need from the insurance company to recover or you don’t. Which outcome you’re forced to live with most often comes down to whether or not you call a lawyer.

When dealing with the insurance company, you need to remember that their best interests lie in paying you as little for your accident claim as possible, regardless of what financial situation that puts you in. And once you sign for a settlement check, it’s over. No matter how many medical bills you receive in the future or how much work you miss due to your injuries, the insurance company isn’t liable for any of it. You’re truly on your own.

That’s why you should call an experienced St. Louis car accident attorney today. We know how to determine just how much this accident is going to cost you, and we’ll fight to get you every dollar you deserve. The fact is accident victims with a lawyer get more money for their injury claim than those who go it alone. So ask yourself which side of that statistic you want to fall on, and then give us a call for a free consultation.

There really are no second chances. So get it right the first time. Contact us today.

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2 Reasons Never to Miss a Doctor’s Appointment

by Cary Graham | October 4th, 2016

Antibiotics are still one of the most effective forms of medication to combat infection and disease caused by bacteria. In order for them to be fully effective, you must take every last pill in the prescription as directed. If you don’t, the infection could come back. Doctors run into this problem all the time. Folks start feeling better halfway through their treatment and stop taking the antibiotic. A week later, they’re right back where they started.

A similar danger exists for your personal injury claim. You were in an accident, injured, and therefore required medical treatment. A couple months later, you’re feeling much better, leading you to believe that you no longer need to keep your doctor’s appointments or physical therapy sessions.

Big mistake.

In order to maximize your injury claim, you shouldn’t miss a single medical appointment until your case is settled for two reasons.

First of all, ending your medical treatment early puts you at a greater risk of re-injuring yourself or causing long-term health conditions. Your recovery isn’t over until your doctor says it’s over.

Second, when you fail to keep appointments, the insurance company can make a case that you’re not really as injured as you are, potentially putting your entire injury claim at risk.

At Cofman Townsley, we help accident victims avoid the common pitfalls of filing an injury claim to ensure they maximize the compensation they are entitled to. If you’ve been injured, give our St. Louis car accident attorneys a call immediately for a free consultation. We’ve helped folks in your same situation, and we’re ready to help you too.

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Settling Cheap vs. Getting What You Deserve

by Cary Graham | September 6th, 2016

There are a lot of personal injury law firms in St. Louis, which means you’ve got a tough decision to make after a car accident. It’s not a question of whether or not you should call a lawyer; it’s a question of which one do you call? Well, it depends on what kind of lawyer you want representing you in your injury claim. If you want a lawyer that will get you a fast check from the insurance company, regardless if it’s what you deserve or whether it will pay all of your expenses, then Cofman Townsley probably isn’t the firm for you.

In our opinion, getting a client less than they deserve should be considered a loss, because it potentially sets them up for a financial nightmare later on. When your lawyer agrees to a smaller settlement than you deserve, they’re essentially letting the insurance company off the hook for any future medical expenses, lost wages, and other costs you may incur from your accident. Who pays for those extra expenses? You do.

At Cofman Townsley, we fight for every dollar our clients deserve because that’s what we would expect from our own lawyer if we found ourselves in your position. If you’ve been injured, call our experienced St. Louis car accident attorneys for a free consultation. Although we can’t guarantee we’ll get you more money for your injuries than other firms, we can promise that we’ll do everything within our power to get you maximum compensation. Contact us today.

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3 Tips for Maximizing Your Injury Claim

by Cary Graham | August 2nd, 2016

There are a lot of situations in life when you only get one chance to get it right. From the last-second shot to win the game to the first impression you make on your new boss, these opportunities are fleeting, and if you get them wrong, there’s no going back. The same is true of your injury claim after a serious car accident. Once you settle with the insurance company, they’re off the hook for any future expenses you didn’t account for, leaving you and your family holding the bills. Believe us when we say that’s not a position you want to find yourself in.

Here are 3 tips for maximizing your injury claim to ensure you get it right the first time:

  1. Don’t sign anything from the insurance company. You may receive a call within a week or two of your accident from an insurance company eager to settle your claim as quickly as possible. They do this because they know the faster they settle, the less money you’re probably going to get. Don’t sign anything until you know just how much this accident is going to cost.
  2. Document everything. A major component of your injury claim is the medical expense you incur due to your injuries. It’s important to keep track of every dollar you spend or anticipate spending. It’s also important to document how this accident has impacted your life beyond your injuries. Keep a journal of the hardships you’ve encountered, the missed opportunities, and the impact on your family.
  3. Call a lawyer. The simple fact is accident victims with a lawyer get more money on average than those without. An experienced St. Louis car accident attorney can stand between you and the insurance company and negotiate a settlement that fully compensates you for your injuries.

If you’ve been injured in a car accident, you only get one shot to get your injury claim right. Don’t try to go it alone. Call our experienced St. Louis car accident attorneys today for a free consultation.

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July Is the Second Most Dangerous Month for Motorists

by Cary Graham | July 5th, 2016

July is one of our favorite months of the year. Summer is in full swing, the weather is incredible, and it all begins with Independence Day, one of our favorite national holidays. It’s a time for communities to come together to celebrate the freedom we all enjoy due to the sacrifices of our forefathers. From cookouts to fireworks, St. Louis is a great place to celebrate the fourth. However, it’s important to remember safety while you celebrate, as the Fourth of July has traditionally been a dangerous day for drivers.

According to a new report published by the Auto Insurance Center, July 4th is the deadliest day for drivers in the U.S. On average, 118 people lose their lives every year on the roads, totaling nearly 600 in the last 5 years. Contributing factors include increased travelers on the road due to the holiday and gatherings where alcohol is consumed. Although Independence Day is a time to celebrate our freedoms, it’s not a time to abuse those freedoms by putting others at risk. At Cofman Townsley, we encourage you to celebrate responsibly this July 4th to ensure a safe and enjoyable holiday. In addition, July has been named the second most dangerous month of the year for drivers, so pay extra attention while out on the roads this summer.

Unfortunately, it is often the carelessness of other drivers that cause serious accidents, and when they do, we hold them accountable. If you’ve been injured in a car accident, give us a call for a free consultation. Our experienced St. Louis car accident attorneys will fully investigate the circumstances leading up to your crash and fight to get you maximum compensation for your injuries.

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