Car Accident Lawyers in Charleston, WV
Charleston, WV Car Accidents
222 Capitol Street, Suite 400
Charleston, WV 25301
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Charleston, WV Car Accidents
There’s nothing like a peaceful drive around Charleston, WV. You can visit the nearby Capitol Flea Market, make your way through Kanawha State Forest, or just spend the day driving beside the crystal-blue Elk River. The Charleston area is replete with beautiful landscapes and attractions that are just a short drive away.
But an idyllic trip can quickly become a nightmare if it ends abruptly in a car accident. And unfortunately, wherever there are roads and cars, there are accidents. Eventually, your luck may run out, and you might find yourself sitting in an unmoving and badly damaged car on the side of the road.
If you’ve never considered how to deal with that situation, you’re not alone. Most people give little thought to what they would do after an accident. They purchase car insurance (as required by law) and assume it will handle all of their problems after a car accident.
In an ideal world, this is true. But this is far from an ideal world. So it’s better to hope for the best and plan for the worst in case you ever find yourself in this situation. You should understand your options and have a solid plan on how to proceed.
The first step of any plan when dealing with an accident should be to consult the car accident lawyers in Charleston at Morgan & Morgan. Our attorneys will help you understand your options and will guide you through the complex insurance claims process. Contact us today to schedule a free case evaluation with our car accident lawyers in Charleston.
Why Your First Step Should Be Consulting With Car Accident Lawyers in Charleston
It’s barely hyperbole to say that insurance companies have an army of lawyers working on their side. And while you may not realize it, the insurance company that compensates you for a car accident is not on your side.
The simple truth is that, as the claimant, you are requesting that they pay you money. And even if you deserve that money, based on the terms of your insurance policy (or another driver’s policy), this makes you the enemy. After all, if the insurance company pays you compensation, that’s less money that it will make in profits — and profits are all that matter to an insurance company.
This means that the insurance company will try to do everything possible to minimize the amount of compensation it’s responsible for giving you. While there are several legal ways they can decrease your payout, those ways aren’t always fair.
The good news is that, regardless of what an insurance company does, you have the right to dispute its decisions. However, you need to be well-trained in the claims process and insurance law to successfully win these disputes. Otherwise, you will be severely limited in your ability to fight a small army of corporate lawyers.
That’s why you should consult with car accident lawyers in Charleston from Morgan and Morgan. We have the knowledge and experience to maximize your compensation after a car accident. Our attorneys know the tactics insurance companies use to decrease compensation and how to counter them.
What to Expect After a Car Accident
After a car accident, you’ll probably be under a lot of stress — and who could blame you? Your car is wrecked, you are injured, and you must deal with a mountain of red tape just to get compensation for even the smallest expenses. And to top it off, your injuries will likely render you unable to earn a living for weeks to months.
When people are under stress, they often make poor decisions. Our goal is to help you avoid those poor decisions that will put you in greater financial hardship and to get you the money you need to recover quickly and comfortably.
With that in mind, here’s what you’ll need to prepare yourself for in the days following an accident:
Injuries and Healthcare
If you’ve been seriously injured in a car accident, you should receive immediate medical attention and potentially long-term care. You must follow your doctor’s instructions and get any treatment available for your injuries. Any lapse in treatment could aggravate your injuries.
Many clients worry about how they’ll pay for medical attention, particularly if they have serious injuries. However, this is the first area where our car accident lawyers in Charleston, WV, can help you. During your initial case evaluation, we will determine approximately how much money you can expect to get from the insurance company. Then, we will fight vigorously to ensure you get every dime of that money.
This means you can comfortably get treatment for your injuries, knowing that your attorney won’t let an insurance company undervalue your claim.
The Claims Process
Another major stressor after an accident is the claims process, a bureaucratic mess that can often take weeks or months longer than it should if you don’t know what you’re doing. And at any step in the process, the insurance company can decide to deny your claim for almost any reason.
Our attorneys make every effort to get through this process quickly by cutting through the red tape. We know exactly what type of information and evidence the insurance company needs, and we collect it rapidly.
This means you never have to rely on an insurance agent to answer your questions about the claims process. Instead, we will make sure that you are informed every step of the way.
Many car accident victims must navigate the aftermath of their wreck in solitude. After all, they may have friends and family, but they rarely can do anything to help their loved one jump through the legal hoops that insurance companies put in place.
Furthermore, insurance companies are often very poor at communicating with claimants during the process. You can give them some information and then don’t hear anything back for days or weeks.
This solitude can tempt people to reach out on social media, either to ask for help or just to vent. Unfortunately, this is the last thing you want to do after a car accident. Insurance companies can potentially use anything you post online to limit your compensation. You can be sure that they’re scouring your social media, looking for any evidence to use against you.
Morgan & Morgan can’t replace your friends and family, but we can help you feel less isolated by being your trusted advisors. Unlike your insurance company, we regularly communicate with clients and tell them exactly what is happening with their claims. It won’t always be quick, but you will always feel well-informed.
Negotiating for Compensation
Many people don’t get the money they deserve from insurance companies because they don’t realize how much they can be compensated for. When you have been injured in a car accident in West Virginia, you can potentially be compensated for the following:
- The cost to treat injuries suffered in the accident
- The value of lost wages or work opportunities
- Compensation for your pain and suffering
- Ongoing costs for therapy or medical assistance
- The cost of medical equipment like crutches or a brace
At Morgan & Morgan, our experience with these cases allows us to easily calculate the full value of your expenses. That becomes the starting point for any negotiations we have with the insurance company. We will do everything in our power to hold your insurer accountable for paying you no less than the full amount you need to recover fully.
Typically, we can resolve negotiations quickly because we bring a mountain of evidence to prove the value of your claim. This means you will often receive your compensation within a few weeks of the accident.
However, the insurance company will occasionally refuse to negotiate in good faith. When that happens, we can take them to court to force them to pay you the compensation you deserve for the accident. Our experienced team of lawyers has an excellent record of success in winning money for clients at trial.
Morgan & Morgan
What is The Car Accident Lawsuit Process?
The first thing you should do if you’ve been injured is seek medical attention. Your health is the most important thing, so make sure to get the medical care you need. Your physician should make a note of visible scratches, lacerations, or bruises; check for internal damage; and uncover evidence of injuries that aren’t yet evident but may manifest in the future.
Once you have received medical attention, contact an attorney who can help you determine your next steps.
One of your attorney’s most important jobs is investigating your accident and gathering evidence. They can do all of the following.
- Photograph the accident scene (and acquire video footage if it exists)
- Review medical records and accident reports
- Interview eyewitnesses
- Consult experts
Creating a Demand Letter
Following the investigation, your attorney will make a complete list of your past and future injuries and damages, and determine a dollar figure for each. Then they will draft a demand letter to send to the insurance company of the at-fault party, outlining why the other party was negligent, listing your injuries, and requesting compensation.
Negotiation and Litigation
If an insurance company offers a settlement, Morgan & Morgan will negotiate to make sure you get every penny you are owed. If we can’t reach a fair settlement, we have the resources and ability to take your case to trial.
Because our jury awards are 20 times higher than the pre-trial offers, our opponents know that we are relentless advocates for our clients — and that we can beat them. That gives us more leverage at the negotiating table, leading to larger settlements.
What Are Types of Damages?
Car accident injury lawsuits typically seek to recover some or all of the following types of damages:
- Past and future medical costs
- Lost wages
- Loss of earning capacity (if the injured party is unable to return to work or has diminished earning potential)
- Pain and suffering
- Funeral expenses (in cases of wrongful death)
Can I Hire a Lawyer if I Have Already Started the Claims Process?
While we recommend that you consult with an attorney before starting your claim, you can hire a lawyer at any time in the process. When clients come to us later in the process, we quickly take control of communication with the insurance company and make it clear that the client is now represented by a lawyer.
How Much Will a Morgan and Morgan Car Accident Attorney Cost Me?
We take every car accident case in West Virginia on a contingency fee basis. This means that our fee is a percentage of whatever money we can win for you. The more money we get you, the more money we earn. If we fail to get you compensation, you will never receive a bill from our law firm.
Is the Initial Consultation Free Even if I Don’t Decide to Be Represented by Morgan and Morgan?
Yes. Regardless of whether you retain our services, we will never charge you for an initial case evaluation and consultation. We believe in the quality of our car accident lawyers in Charleston, and we prefer to prove it to our clients for free because we know that most of the time, they will choose our firm.
If My Case Goes to Trial, How Long Will It Take?
Typically, when a case goes to trial, it takes at least a year to complete. And if either side appeals the case, it can easily be multiple years before you receive any money. We will do our best to avoid a trial, but we’ll do everything we can to speed it up if it is unavoidable.
Can I Receive Any Money Early?
Usually, you will receive all your compensation at the same time at the end of the claims process. In some cases, however, you may be able to receive some money for bills already incurred if all sides agree on how much you should be compensated for those costs.
Car Accident Lawyers in Charleston That Fight for You
After suffering an injury in a car accident, it can feel like the entire world is against you. Bills pile up while the insurance company drowns you in red tape. What you need at a time like this is a law firm with a decades-long history of helping victims like you.
Find the car accident lawyers in Charleston, WV that are right for you. Contact Morgan & Morgan today to schedule a free case evaluation with people who care about your recovery.