wis-injury.com is your source for information on personal injury, liability, insurance and compensation. There has been a traumatic event, usually an accident, medical bills are mounting, you or your loved one are no longer the same as they were before. Is there compensation available?

The principal method for recovering significant sums for the injured person is through personal injury actions. To recover in a personal injury action, the injured person must prove that someone else wrongfully caused the injury. And if there is a viable action, the injured person may recover many times the medical bills and lost wages as well.

If someone other than the injured person caused the accident, then the injured person can make a claim. If the injured person caused the accident, then no claim can be made. In many car accident cases, both drivers may be at fault. If the injured person was the driver, then the injured person can recover if the other driver was more at fault. If it is difficult to determine who was more at fault , a claim should be made. Passengers always have a right to make a claim, usually against both drivers and their insurance companies. Passengers can also make claims against the insurance company for their spouse or other relatives.

If the injury is caused, even partially by someone else's fault, a claim should be investigated. An experienced personal injury attorney should be consulted as there are often cases against parties that are not apparent to the injured person or his or her family. In most states, including Wisconsin, a personal injury accident can not be brought against the employer of the injured person, as the workers comp benefits are the exclusive remedy. However, just because an individual was injured at work, does not mean that no one else can be sued. For example, if a injured person was injured on a defective machine, the manufacturer of the machine could possibly be liable.

If there is enough insurance or a big enough company involved, personal injury claims will generally provide a greater recovery than social security or a workers comp action. The reason for the higher compensation is that the injured person is entitled to be compensated for the full pain, suffering and disability incurred by the injured person. Medical bills are fully recoverable, as well as is the loss of earning capacity. Serious damages are best suited to the full process of proof that a court case entails. While no amount of money can replace what a injured person has lost, juries tend to do their best when presented with the complete picture of disability.

The problem in most personal injury cases for the severely injured injured person will be finding enough insurance, or a deep enough pocket, to fully compensate for the loss. By a deep pocket, it is meant a company or individual with the capacity to pay a large verdict or settlement. With the cost of extended hospital care being several times the average person's auto insurance limits, this is an issue in most auto cases. The experienced attorney will look at several different sources to expand the compensation available. There is often more than one insurance policy available, to do what is called stacking. If the injured person or someone in his household had underinsured coverage, this may be used to increase the recovery. Often, it becomes a matter of looking past the obvious wrongdoers and to see if there lurks a hidden wrongdoer in the accident.

If an insurance adjuster is there early in the process, seemingly generously offering to pay all medical bills, don't sign anything. When faced with the pressure of catastrophic medical bills, the promise to pay all the bills may sound wonderful. Regardless of how much they try to endear themselves to you, the insurance adjuster is not your friend. He is not offering to pay medical bills out of the goodness of his heart, but to avoid paying substantially more. The insurance adjuster's job is to pay as little as he can. An early offer to pay bills is tantamount to an admission that they realize they are responsible to pay far more.

Lawyers can be of great assistance to the injured person in recovering benefits to which he or she may be entitled. While it is possible to find your way through the multi-layered process to maximize a recovery without an attorney, it makes sense to at least talk to an experienced attorney to see what they could do for you. Most personal injury attorneys will not charge for the initial consultation.

• Non-Obstacles to Recovering for Your Injuries or Why these Buts Won't Hurt. But I didn't Hurt Right Away and Other Non-Issues. Injured persons often feel that certain things will prevent them from making a claim for compensation. Most these things are not problems.
• Concussions and Brain Injuries
• Neck, Back and Spinal Injuries
• Other Injuries

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CAUTION: Sending email creates a serious problem with loss of confidentiality. Any email sent to someone who is not your attorney cannot be considered confidential, because email may lack the expectation of privacy, unless it is encrypted. MORE IMPORTANT, THE LAWYER YOU EMAIL MAY ALREADY BE YOUR ADVERSARY'S ATTORNEY. While these attorneys represent only injured persons, the circumstances of an accident may make someone as close as your spouse, your potential adversary.

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