Auto Accidents

The internet and smartphones have made information available at the touch of a button. While you can research and figure out many things on your own, some tasks are better left to experienced professionals.

For example, you may have seen online crash settlement calculators that supposedly tell users how much their claims may be worth. Unfortunately, these calculators do not do a good job of giving users the full picture about the value of their claim.

These calculators are only as reliable as the information you put into them. However, they do not ask for all the details you would need to accurately determine your claim’s potential value.

That is why you should seriously consider working with an experienced attorney. At TSR Injury Law, we have decades of experience determining the value of car crash claims. We have also recovered millions on behalf of crash victims.

Why Settlement Calculators Are Inaccurate

Like other online calculators, those used for car crash claims ask you for a variety of numbers to calculate the value of a settlement. For example, these calculators are likely to ask for the value of:

At first glance, it may seem like these calculators are helpful if you have the information you need. However, how do you determine the value of your lost earning capacity or your pain and suffering? There is no set value for these kinds of damages. Their value is based on a variety of unique considerations.

For example, most car crash settlement calculators ask victims to rate their pain and suffering. Their rating is then multiplied by another number, such as the value of economic damages. However, this is an arbitrary calculation. Attorneys and insurance adjusters do not arbitrarily calculate the value of a victim’s pain and suffering. They consider the facts of the situation, available insurance coverage and other relevant information.

Calculators are programmed to assume pain and suffering is worth more if the victim has a significant amount of medical expenses. This may be true in some cases, but there are many other variables to consider. Think of it this way: medical treatment may be so successful that it leaves the victim with few long-term problems. That scenario may result in minimal pain and suffering even though the medical treatment was very expensive.

It is also important to remember online settlement calculators only consider the data you give them. They are not accounting for the unique factors of your situation, such as:

• The severity of your injuries and whether a doctor will relate all the injuries to the crash
• Your medical records
• How you respond to treatment
• Your specific job skills
• Future lost earnings
• Prior similar injuries
• Scar cases usually do not have a lot of bills but are traumatic to the injured party
• What is your health insurance type and what subrogation claim is being made against the settlement
• How many insurance companies are at fault and what percentage does each agree on
• Are your doctors board certified
• What is the Brewster number that the insurance company actually owes versus the full amount of bills; and
• Other relevant factors, the biggest is without legal counsel no insurance company will be concerned about a lawsuit that would actually hold them accountable, so they will offer the least amount possible

Injuries can have a devastating impact on a victim’s life, even if the medical care was successful. The victim’s treatment may end, and he or she may have little ongoing pain and suffering. However, the injury may prevent the victim from engaging in a hobby he or she used to enjoy. Settlement calculators are not built to factor in these things.

Why It Is Better To Have an Attorney Evaluate Your Claim

Experience can be very important when pursuing compensation after a car crash. For example, attorneys who have handled denied or undervalued claims before have a much better idea of how to proceed. They have helped people with a variety of claims and know what it takes to be successful.

Attorneys have learned how to evaluate injuries and loss of earning capacity. It is about more than simply assigning something a number. At TSR Injury Law, our Minneapolis car accident lawyers can also consult medical professionals and other experts, as needed. This additional expertise helps us to not only bolster a claim, but also to determine its value.

In short, attorneys can provide nuanced analysis that you are simply never going to get from an online calculator.

The number an online calculator spits out does not carry any real authority. Even if you think the number the calculator gives you is reasonable, the insurance company may lowball you. When this happens, you need an experienced attorney to negotiate with the insurance company.

You also want an attorney with courtroom experience who is prepared to file a lawsuit. Even if your case does not end up in court, filing a lawsuit may help. Often, it could be just the push needed to get the insurance company to make a better settlement offer.

Call TSR Injury Law To Discuss Possible Legal Options

The attorneys at TSR Injury Law are ready to help, and we have a proven track record of success. There are no upfront costs with our services. There is also no obligation to work with our firm after your free initial consultation. In other words, there is no risk in meeting with one of our experienced attorneys to learn how we may be able to assist you.

Car crashes can cause devastating injuries and financial upheaval for victims and their families. You do not want to solely count on the insurance company to provide the compensation you need.

TSR Injury Law. Proven Results. No Upfront Fees. (612) TSR-TIME

You may be surprised by how easy it is for a car to get totaled in a crash. (Totaled means the cost of repairing the damage is greater than the value of the vehicle. (Some companies consider 80 percent of the value to fix a vehicle to also be deemed a total loss). If your vehicle is more than a few years old, anything more than minor damage could be enough to total it.

In recent years, research has found people keep their cars a lot longer than they used to. Drivers delay buying a new vehicle or buy a used one instead. This may make it much more likely for a lot of vehicles on the road to be totaled in a crash.

If you still owe money on your car loan when your car gets totaled, and you owe more than the value of the vehicle, you may need financial help. Many people do not have thousands of dollars in cash they can use to pay off a loan.

That is why drivers should strongly consider purchasing GAP insurance. Learn more about GAP insurance below.

What You Need to Know About GAP Insurance

GAP stands for guaranteed asset protection, and you can buy this type of insurance for a variety of vehicles, including cars, motorcycles, light trucks, jet skis, ATVs, snowmobiles and boats.

If you buy this insurance, it should help you avoid a financial crisis if your vehicle is totaled. If you owe more than the vehicle is worth, GAP insurance covers the difference, so you do not need to. The rest of the loan balance is paid off with the settlement provided by the insurance company.

GAP policies vary in terms of other features that may be available. For example, they may waive a portion of your deductible, which is the amount you must pay up front before the insurance policy kicks in and provides coverage. Some policies may give you additional money to help you in buying another vehicle. You should carefully review the terms of a policy and ask the insurance company for clarification on anything you are unsure about.

You never know when your vehicle may be totaled after a crash. If it happens, you are still going to need reliable transportation to get to doctors’ appointments and to work, if you can work. If you are on the hook for the rest of your loan balance, it may be much harder to get a new vehicle.

With GAP insurance you should have one less problem to deal with after a crash. You want to be focused on your medical treatment and recovery, which is also why you should strongly consider hiring an attorney to help you pursue compensation for the damages you suffered in the crash. While using GAP coverage may be relatively straightforward, the insurance company may not make things so easy when seeking compensation for medical expenses and other damages.

Do Insurers Place Restrictions on GAP Insurance?

There may be certain restrictions on your ability to buy GAP insurance. For example, the Allstate website says some insurers only sell GAP insurance to those who have brand new vehicles. Insurers may limit GAP coverage to those who have vehicles no more than two or three years old, or to the original owner of the vehicle.

When Might GAP Insurance Be Worth it?

The Insurance Information Institute recommends buying GAP coverage if you have a loan that is 60 months or more, you paid less than 20 percent down, or if you leased your vehicle. If you leased your vehicle, the lease agreement may already include GAP coverage.

You may also want GAP insurance if you bought a vehicle that tends to depreciate faster than the average vehicle or if you rolled negative equity from an old car loan into your new loan.

Having Trouble with Your Insurance Company? Call Today

Our experienced St. Paul auto accident attorneys know insurance companies are not looking out for the best interests of their policyholders. Their concern is making money and holding onto it for as long as they can. That means they have a strong incentive to deny or devalue claims, or simply drag their feet in hopes you will be desperate for compensation and will accept a lowball offer.

Car crash victims need a strong advocate who is looking out for their best interests. In fact, victims who hire an attorney often receive more compensation than those who do not.

Our firm has obtained $1 billion in compensation on behalf of our clients and there are no upfront fees for our services.

Give us a call today. We are ready to help. (612) TSR-TIME

We buy insurance to help protect us when something unexpected happens. We are counting on the insurance company to hold up its end of the bargain and manage claims in good faith.

Unfortunately, insurance companies are notorious for acting in bad faith. If they do not break the law in their handling of a claim, they may stop just short of breaking the law.

It is important to know your rights when you file an insurance claim so you will know if the insurance company is taking advantage of you. If you are struggling with your insurance company after a crash, give TSR Injury Law a call to schedule a free legal consultation.

We have been assisting car crash victims in dealing with insurance companies for decades and have a proven track record of success.

Minnesota’s Good Faith Law

While insurance companies have the right to deny claims, they must have a reasonable basis for doing so. If the insurance company cannot prove it had a legitimate, credible reason for denying a claim filed by someone they insure, that person may pursue legal action against the insurance company. If you can prove this, you may be awarded damages.

It is important to note your insurance company has an obligation to you to act in good faith. However, the other driver’s insurance company has no such obligation to you.

Your car insurance company also has a variety of obligations in how it processes your claim. For example, the insurance company must acknowledge that it received your claim within 10 business days. The insurance company must also provide you with all necessary claim forms and instructions on how to process your claim.

Investigating Your Claim

Insurance companies are also legally obligated to complete an investigation of your claim within 30 business days. The only exception to this is if the investigation cannot reasonably be completed in that time. However, the insurance company must notify you of the reasons why the investigation cannot be finished within 30 days.

Contacting an Attorney

Minnesota law says it is also illegal for an insurance company to advise a claimant not to call an attorney or to say payment of benefits will be delayed if you retain an attorney.

Notifying You of Acceptance or Denial of a Claim

The insurance company is also required to notify you of its acceptance or denial of a claim within 60 days of receiving a properly executed proof of loss. The insurance company cannot deny your claim based on a specific provision, condition or exclusion unless that is stated in the denial letter sent to the claimant.

Making a Settlement Agreement

The insurance company cannot threaten to cancel or not renew your policy to try to coerce you into settling the claim.

They also cannot make a settlement offer for one part of the claim that is contingent on settling a different part of the claim.

There are many other things insurance companies cannot do when someone files a claim after a car accident, such as telling you that you are required to take your car to a certain body shop for repairs. You have the right to decide where to take your car for repairs.

Despite these regulations, insurance companies often mislead, deceive and unfairly deny claims. Their loyalty is to their bottom line, so they are looking for some way to deny or undervalue claims.

That is why it is so important to seek experienced legal help. Insurance companies know an experienced Bloomington car accident attorney knows the law and will aggressively seek full compensation for crash victims.

TSR Injury Law is Here to Help Crash Victims. Call Today

You do not need to handle your car crash claim alone. Not only can an attorney manage the process for you, but hiring an attorney often results in a more favorable outcome for victims.

Call TSR Injury Law today to learn more about how we may be able to assist you. There are no upfront fees for our services. In fact, we are not paid unless our clients get paid. This means there is no financial risk toyou.

Our firm has recovered $1 billion in compensation on behalf of our clients, many of whom were injured in motor vehicle crashes.

Give us a call today for legal help. (612) TSR-TIME

You may have some idea about how committed car insurance companies are to saving themselves money, particularly if you have had to file a claim. A car insurance company may have attempted to deny your claim or made a lowball settlement offer.

Would you be surprised to learn car insurance companies sometimes hire private investigators? Insurance companies may take extra steps to try to find something they can use against you.

Below, our experienced attorneys discuss this issue in greater detail, including limits on the ability of private investigators to spy on you.

If you have questions about your legal options or are struggling to obtain compensation from the insurance company, we are here to help. Our firm has obtained millions on behalf of car crash victims.

Are Car Insurance Companies Allowed to Spy on You?

There is certainly an argument to be made that hiring a private investigator is unethical and a bit shady, but it is not illegal. Private investigators are within their rights to photograph you while you are out in public, review your social media posts, follow you to your work or your home, and review public records.

Private investigators could learn a lot about you and some of this information may help the insurance company in its attempts to deny or undervalue your claim. Insurance companies typically only do this when the case is complicated or has the potential to be worth a lot of money.

It is important to note there are limits on what private investigators can legally do when they are hired. For example, wiretapping your cellphone is against the law. This is something law enforcement can do only after getting a warrant.

It is also illegal for private investigators to photograph you through a home window, trespass onto your property or other private property, impersonate a police officer, or misrepresent themselves as someone else (insurance adjuster or other insurance company representative, etc.).

Private investigators are prohibited from intimidating or threatening people, whether these threats are verbal or physical.

Do I Have Anything to Be Concerned About?

If you have hired a lawyer and are following your doctor’s orders about your medical treatment, you should probably not be concerned about a private investigator. If you spot a private investigator, inform your attorney and he or she may give you some additional tips on protecting the value of your claim.

Remember, the truth is always key. If you tell your doctor, you cannot bend over (at all) and then you are on video bending over bowling or playing with your kid, that is insurance fraud. If you tell your doctor that you can bend over, but it causes pain, and video catches you bowling or playing with your kid, then you will need to explain what pain you were in or what you had to do later that night to battle the pain, such as take medication or ice.

Make sure to be careful with your social media posts. Taking a break from social media during your claim is often a good idea, as you could unintentionally say or post something damaging to your case. You want to avoid posts that make it seem like your life is back to normal and you have no physical limitations from the crash. Posts about exercising or going out with your friends or taking a vacation can be damaging to an accident claim.

The truth is not always easy to see from a photo.  No one wants to post a photo of backpain. The photos are always people smiling and having the time of their lives. Think about the perception the photos on social media will generate.

You may be thinking that it should not matter what you post because you have privacy settings on your social media. However, private investigators may pose as someone else to try to get you to accept a friend request. Remember, the information you post online is never entirely private. There are even cases when Judges have allowed access to private social media data.

The strength of a claim is not only based on the evidence gathered, but also your credibility. Your actions during the claims process go a long way in either bolstering your credibility or diminishing it.

What if an Investigator Crosses the Line?

If you ever feel you or a loved one is in danger, call the police. Short of that, make sure to inform your lawyer about conduct that may be illegal.

At TSR Injury Law, we are not only here to pursue maximum compensation, but we are also here to help you through this process. We know this is a very difficult time for you and your family.

Call TSR Today for Legal Help After a Car Crash

Unsure how a lawyer may be able to help after a car crash?

Feel free to give us a call today to set up a free consultation to learn how an experienced Bloomington car crash attorney may be able to assist you. Crash victims who hire attorneys often obtain more compensation compared to those who try to go it alone. The legal process is complex, and our experienced attorney knows how to navigate every step because we have done it countless times.

For more than 20 years, our firm has been helping injury victims and we have obtained millions in compensation on their behalf. The initial consultation is free, and we work on contingency, which means we do not get paid unless you do.

TSR Injury Law. No upfront fees. Call (612) TSR-TIME.

Drivers should always check their blind spots before changing lanes, particularly when they are driving large vehicles like commercial trucks. The larger the vehicle, the bigger the blind spot and the more damage that can occur if the large vehicle crashes into a significantly smaller one.

However, given the fact that drivers should know commercial trucks have large blind spots, can they be held partially at fault for blind-spot crashes with commercial trucks? Or do truck drivers bear most of the responsibility for preventing a blind-spot crash?

Victims of truck accidents can greatly benefit from experienced legal representation. At TSR Injury Law, we have been helping motor vehicle crash victims for decades. Our firm has secured more than $1 billion in compensation on behalf of our clients. There are no upfront fees for our services, which means there is no risk in working with us.

Fault for Commercial Truck Blind-Spot Crashes

While each accident is unique, commercial truck drivers are often the ones held liable for these crashes. You have a right to be in a lane and other drivers can only come over into your lane if they can do so safely without causing an accident.

Truck drivers are responsible for checking their blind spots just as drivers of other vehicles are responsible for checking their blind spots. Truck drivers need to use their mirrors and other technology in their vehicles to determine if a vehicle is in a blind spot. Truck drivers also need to be aware of the amount of traffic around them and take their time to make sure it is safe to change lanes before doing so.

Truck drivers are also likely to be held liable for a blind-spot crash if it happened while they were:

• Tired or fatigued
• Distracted
• Impaired by drugs and/or alcohol

In some situations, it is possible the driver failed to properly adjust his or her mirrors to reduce blind spots as much as possible. Maybe the truck did not have the appropriate mirrors to allow drivers to see around the truck as much as possible.

If you were to speed into a blind spot as a truck is already changing lanes, and the truck driver used his or her turn signal, you may be partially at fault for damages you may suffer if a crash happens. The same could be said if you drifted into a blind spot because you were distracted, and the truck driver was being cautious about changing lanes.

In some cases, another party may be at fault. For example, maybe the truck had video or sensor technology that was supposed to alert him or her to vehicles in blind spots and the equipment failed. In that case, the manufacturer of the equipment or the party responsible for maintaining that equipment may bear some amount of liability for the crash.

Where Are the Blind Spots Around Commercial Trucks?

Commercial trucks are not only longer than other vehicles, but drivers are also higher up than drivers of traditional passenger vehicles. This creates huge blind spots that drivers cannot see, even with their mirrors adjusted appropriately.

One of those blind spots is 20 feet in front of the truck. Drivers cannot see anyone or anything in that 20-foot zone. If the truck is right behind you or behind you in the lane to your right or left, the driver cannot see you.

There is also a blind spot 30 feet behind the trailer. In other words, if you are within 30 feet of the rear of the trailer, the driver is unable to see you.

There is another blind spot between the driver’s door and the back of the truck and another from the right side of the cab to the two lanes to the right of the truck.

One useful way to think about commercial truck blind spots is that the driver cannot see you unless you can see the driver in his or her side mirror.

Dangers of Blind-Spot Crashes

Any crash with a commercial truck can be very dangerous. However, blind-spot crashes have the potential to be deadly. If a truck sideswipes you, your car could get run off the road or into other vehicles. This could also happen if you get rear-ended by a commercial truck. The truck could also run your car over if it is behind you and your vehicle is in the blind spot in the front of the truck.

Need Help Following a Truck Crash? Call TSR Right Away

Whether you have questions about the validity of your case, a settlement offer you received, the potential value of your case or anything else following a truck crash, TSR Injury Law’s experienced Bloomington truck accident lawyers may be able to help.

We have extensive knowledge of the many factors involved in these cases and can provide answers to your questions to help you make an informed decision about what to do next. Schedule an initial consultation with one of our licensed attorneys to learn more about how we may be able to help.

No upfront fees. Millions recovered. Call us at (612) TSR-TIME.

One of the most important things to do after being injured in a car crash is to seek medical care. You do not want your injuries to get worse because of a delay in treatment. The sooner you start getting treated, the sooner you can complete your recovery.

It is important to be thorough when talking to doctors about your injuries, not only to optimize the care you receive, but also for the strength of your case. Omitting information could give the insurance company room to dispute your credibility and lower the value of your claim.

Below, our experienced Minneapolis auto accident attorneys talk about what crash victims should discuss with their doctors. If you have more questions about what to do after being injured in a crash, TSR Injury Law is here to help. Give us a call to schedule your free consultation.

Discussing the Crash with Doctors

Make sure to tell the doctor how you were injured. The doctor will probably have many questions about how the crash occurred. Having answers to these questions helps your doctor with properly diagnosing and treating your injuries. Do not exaggerate about the crash. Saying you “were hit at 60 mph” does not help when you truly don’t know and only gives the insurance company room to doubt you. Keep the explanation simple on how the crash happened. It is not actually relevant to the medical treatment. “I was rear-ended” or “I was going straight on a green and another car ran a red light” is sufficient.

Tell the doctor what you remember about the crash, particularly where your vehicle got hit and if any parts of your body hit things inside the vehicle, like the steering wheel, dashboard, window, gear shift, or anything else. Medical treatment may be affected by crash facts by explaining “my left shoulder hit the side door when I was t-boned” as an example.

You want to give the doctor as much information as possible so he or she can determine where and how you may have been injured.

Explaining Your Injuries

Tell the doctor where it hurts and how severe the pain is, even if you think the pain is minor. Describe the pain as well. For example, is it an ache, burning or stabbing pain?

Inform the doctor of other symptoms you are experiencing, such as limited mobility, nausea, dizziness, confusion, headaches, numbness, irritability, behavioral changes, etc. Radiating pain or numbness into your arms/hands or your buttocks and legs are extremely important to mention. These symptoms could indicate an injury you are unaware of, such as an internal injury, nerve damage or brain injury.

Make sure to inform the doctor about any injuries you had before the crash. If you never treated for an injury, it is not as important as injuries or pains you have treated for before the crash. Your doctor can determine if you aggravated an existing injury and help to differentiate between your new injuries and the old injury.

If you are concerned that revealing a preexisting injury may hurt your claim, you need to know that you can still seek compensation. The insurance company may try to use your existing injury to devalue your claim, but an experienced attorney should know how to counter any arguments. That is one of the reasons hiring a licensed attorney is so important after being injured in a crash.

Your pre-existing medical issues may have made you more likely to suffer an injury in the crash, but that cannot be used to devalue your claim or bar you from seeking compensation.

Continuing Your Treatment

The discussion about your injuries should continue after your first meeting with a doctor. When you return for a follow-up or visit other doctors, keep them updated on how you are feeling and describe any changes in your symptoms. This information will be noted in your medical records – consistent updates on your condition shows you are receiving treatment and trying to get better. These records also reiterate your injuries, which helps to validate your claim. Complaining that your neck hurts to your spouse is not the same thing as reporting it to your doctor. Doctors create medical records and bills and that is what insurance companies need to review.

It is important to follow the doctor’s orders about managing your injuries. For example, if the doctor tells you to avoid certain physical activities, make sure to avoid them. If you disobey the doctor, you could hurt yourself more and prolong your treatment and recovery. It could also work against your claim. The insurance company could say you are ignoring your doctor’s orders because your injuries are not as bad as you said.

You may need to reschedule some appointments for a variety of reasons. That is OK, if you have a good reason, and you attend the rescheduled appointment. Keep your lawyer informed as well. The insurance company may try to use rescheduled appointments against you, claiming you are not really hurt.

What if I Have Questions or Concerns About Treatment?

There are times patients are concerned about taking medications or undergoing a particular treatment. It is important to discuss these concerns with your doctor. He or she should be able to answer your questions about medication side effects, the pros and cons of surgery or another medical intervention.

Maybe you have used a medication before and suffered unpleasant side effects. If that is the case, inform your doctor and he or she may be able to prescribe something different.

If you are unsure about something a doctor is recommending, you may want to get a second opinion. Sometimes another doctor confirms what the first doctor said, and this can be reassuring to some people. If the other doctor has a different opinion, you at least have options to consider.

We Are Here to Help. Call to Learn More

Unsure how an attorney can assist you after a crash?

Learn how by calling TSR today to schedule your free legal consultation. Crash victims who hire attorneys often recover more compensation than crash victims who go it alone.

This is because attorneys are committed to recovering as much compensation as possible for the victim, unlike the insurance company that wants to pay out as little as possible.

TSR Injury Law has a proven track record – over $1 billion recovered for our clients.

We are ready to help. Call us at (612) TSR-TIME.

Sometimes you must make a U-turn to get where you are going. Other times, you missed a turn and need to head back the way you came.

The problem is that this is a dangerous maneuver. You can consider this a left turn, which you may know is much more dangerous than a right turn. Unfortunately, there is often a lot of confusion about who has the right of way in these situations, and it can lead to crashes and other drivers getting angry as they try to turn left while waiting for a U-turning driver to get out of the way.

Below, our experienced attorneys discuss fault for a crash involving a vehicle making a U-turn. If you were injured in a crash in Minnesota, give us a call today to discuss how we may be able to help. We have helped numerous crash victims secure compensation for medical expenses, lost wages and other damages. An initial consultation is 100 percent free.

What Does State Law Say About U-Turns?

According to Minnesota Statute 169.19 Subd. 2., you are prohibited from making a U-turn on a curve or crest of a grade if approaching vehicles cannot see you from a distance of 1,000 feet. You are also prohibited from making a U-turn if you cannot do so safely and without interfering with traffic.

It is also illegal to make a U-turn when a sign says you are prohibited from making a U-turn. Even though you have a green arrow, you are required to yield to the drivers who are turning right onto the road where you are making a U-turn. Unfortunately, drivers either do not know this or do not care. U-turning drivers often violate the right of way of right-turning drivers – they may do this because the drivers behind them are honking because they are waiting for the U-turning driver to get out of the way.

What Does This Mean for Assessing Fault?

When a Bloomington car accident lawyer reviews a crash involving a turn, he or she is going to try to determine who may have had the right of way. The driver who violated the right of way is likely to be found at fault for the crash.

Keep in mind that drivers turning left may also have the right of way versus a U Turning driver because they are often turning because they have a green arrow. Even if they are turning right on a red light, they probably have the right of way compared to a U turning car. If you want to make a U-turn and are concerned about making the drivers behind you angry, pull up and a little around the median to give them space to get around you. It should be possible to do this without getting in the way of left-turning drivers.

Assessing fault may be complicated if the driver who wants to turn right waves you ahead, but then your two vehicles crash anyway. Does this gesture give you the right of way as the driver making a U-turn? Can you still be found partially or fully at fault for the crash?

Impatience is often a factor in car crashes. It is important to wait to make a turn to be sure you have enough time and space to do so. If you are unsure about whether you have enough time, it is probably better to wait for more traffic to clear. You should not assume right-turning drivers will slow down or yield. They may not even be looking for you, as they assume they do not need to stop or yield because they have the right of way.

If possible, avoid making a U-turn, as it can be a dangerous traffic maneuver.

Call TSR Injury Law for Help After a Car Crash

Think the insurance company is going to fork over the compensation you need after a car crash?

Oftentimes, insurance companies deny or underpay claims, even when liability seems clear, and the victims’ damages are covered by the insurance policy. You need an experienced advocate at your side to aggressively pursue the compensation you need.

TSR Injury Law has been assisting crash victims for decades and has secured millions on behalf of our clients.

Free Consultation. No Upfront Fees. Call (612) TSR-TIME.

Eyewitness statements could go a long way toward validating a car crash claim. However, the witness must be believable because you can be sure the insurance company will attack the witness’s credibility. For example, the insurance company may say the witness did not have a good view of the crash or that he or she does not seem very certain of what he or she saw.

Below, learn more about eyewitness credibility and what factors into it. It is important to understand that a credible witness can help a claim, but a witness who lacks credibility could hurt a car crash claim.

If you were injured in a car crash and are unsure if an eyewitness may have good credibility, give us a call today to schedule a free consultation. Our experienced Minneapolis motor vehicle accident lawyers have helped many crash victims recover compensation. We can determine if you have a valid claim and if an eyewitness could help your case. There are no upfront fees for our services.

What Factors into Eyewitness Credibility?

When someone has good credibility, people trust what that person says. They believe he or she is being truthful and not lying. When someone lacks credibility, it is very difficult to take what they are saying seriously.

There are a variety of things that affect someone’s credibility, particularly if they witnessed a car crash. For example, a witness’s vantage point has a significant impact on what may have been witnessed. If a witness was a significant distance away from the crash, it is difficult to believe specific details about what they claim they saw because the witness’s view may have been obstructed by other things, like other cars.   A witness’s vision may also be an issue.  Do they wear glasses, was it dark out, how far away what the event they saw?

Another factor to consider is how much of the crash the witness saw. Did he or she watch the whole thing? Did the witness hear something and turn to look, meaning he or she did not see the whole crash?

However, even if a witness were close to the crash, his or her credibility could be in question. The witness may have looked away or been more focused on getting out of the way to stay safe.

Another factor affecting credibility is bias. For instance, if the witness is a family member or close friend, he or she may be more likely to say things that are favorable to your claim. Family members and close friends tend to feel a strong obligation to help.

There are many other factors that may affect the credibility of an eyewitness to a car crash:

• Criminal record
• How likely the witness’s account is
• Whether the witness is hard of hearing or visually impaired
• Whether he or she made contradictory statements
• What the witness was doing before and during the crash
• If the witness is easily confused
• If other evidence contradicts what the witness says
• If others say the witness has a reputation for regularly lying
• Whether the witness had been drinking or using drugs
• Whether the witness’s testimony is supported by the testimony of other witnesses

If you talk to witnesses at the scene, make sure to get their contact information and provide this to your attorney. If you have suspicions about whether a witness is telling the truth, relay that to your attorney.

TSR Injury Law has managed countless car crash claims and we know how to determine if an eyewitness has good credibility and may help strengthen your claim. For example, sometimes the damage to the vehicles involved and the injuries suffered by the crash victim are enough to validate a claim. Even though there may be witnesses, their statements may not be needed.

Each car crash is unique, which is why it is so important to have an experienced lawyer managing your claim. The insurance company is working against you and those who hire attorneys often recover more compensation compared to those who do not.

Need Help with Your Car Crash Claim? Call Today

For more than two decades, the attorneys at TSR Injury Law have been assisting car crash victims and we have obtained millions in compensation on their behalf.

We know how important it is for crash victims to recover full compensation for the damages they have suffered as they try to move forward. If we validate your, we are committed to pursuing maximum compensation. There are no upfront fees or obligations, which means no risk to you in contacting us.

TSR Injury Law. A firm you can trust. Call (612) TSR-TIME.

You could greatly benefit from seeing another doctor to review your diagnosis and treatment plan. Even though the second doctor may concur with the first’s opinion, this should offer you some peace of mind.

Below, learn more about the potential benefits of seeking a second opinion about your crash-related injuries. You want to make sure all your injuries are being treated appropriately so you have the best chance to make the best physical and legal recoveries possible.

You also want to be able to include all your medical costs in your claim for compensation. You do not want treatment expenses to be left out of your claim, meaning you must pay them out of your own pocket. Another doctor may recommend another treatment the first doctor did not, potentially improving your recovery.

Reasons You Might Want a Second Opinion

Crash victims often seek additional treatment after the emergency room when they notice new or worsening symptoms a few days after the crash. This is not necessarily a second opinion.  It is more akin to simply getting more treatment outside the emergency room setting which is usually one stop.  Once a continuing treatment plan is chosen, such as chiropractic or physical therapy treatment, it is common to seek a second opinion if the pain plateaus or gets worse.  Medical doctors, pain management specialists, neurologists or surgeons are all viable options to make sure your treatment plan is working for you.

Another common reason for seeking a second opinion is concern the doctor is not doing enough or is taking the wrong approach. For example, maybe you think the doctor could do more to reduce your level of pain. Maybe you have heard about alternative treatments, or you know someone else who had a similar injury and was treated differently.

It is very important to trust your doctor and the treatments he or she is recommending. If you do not trust your doctor, you may be less likely to continue treatment, which could hurt your chances of recovering fully both physically and legally

When a doctor recommends surgery, you should carefully weigh the pros and cons of the procedure. Make sure to get answers to your questions and if you are still uncertain about the surgery, getting another opinion may be a good idea. The second doctor may agree with the first doctor, and that should help reassure you that surgery is a good option.

However, the other doctor may disagree with the first. If this happens, you have a lot to think about. The important thing is that you make a well-informed decision that you feel comfortable with, but you should be naïve and fail to understand the insurance company’s view of your injury if your own doctors cannot agree.

If the first doctor you saw is a general practitioner, or is not board-certified, it may be wise to seek an opinion from another doctor whose sole focus or accreditation is on the injured area of your body.

Another reason for seeking a second opinion is if your treatment seems to be progressing poorly. If you have talked to the doctor about it and you do not feel like he or she is listening or making changes to your treatment, a second opinion may be warranted.

Your health is your top priority after a crash, and if you think a second opinion would help, you should give it some serious thought.

If you are concerned about how this may affect your claim for compensation, give your attorney a call and ask. At TSR Injury Law, we are committed to answering your questions promptly and returning your calls.

When Might Insurance Companies Request a Second Opinion?

You seeking a second medical opinion is very different than the insurance company seeking one.  The insurance company will be looking for some way to deny your claim or pay less than its full value. One option may be to request an “independent medical exam” better known as an “adverse exam”.

It is important to discuss a request for an independent medical exam with your attorney. He or she can advise you on whether you are required to go through with it and help prepare you for it. Your lawyer’s advice may help you protect the value of your claim during the exam. There is nothing independent about an insurance exam.  Your attorney will cover the rules of what you are required to do and what are oversteps by the insurance company.  The attorney will also be able to overturn the exam’s results and make sure your bills get paid.

Need Help After a Collision? Call Today with Your Questions

Our licensed Bloomington vehicle collision lawyers at TSR Injury Law have been assisting crash victims for decades, and we have a record of getting results for our clients. If you were injured in a collision and have questions about your claim, give us a call as soon as possible.

Our firm takes car crash cases on contingency, which means no upfront fees or obligations. We are not paid unless our clients get paid. That means there is no risk in contacting us to discuss what happened and learn how we may be able to help you during this difficult time.

We are ready to take your call. Ph: (612) TSR-TIME.

Some crash victims do not want to make a big thing out of a crash. They would prefer to exchange information with the other driver and leave. They figure they can deal with the aftermath of the collision on their own without calling the police.

Below, the experienced Minneapolis auto accident lawyers at TSR Injury Law talk about the steps you should take after a collision. We also explain why it is usually a good idea to call the police after a crash, even if you think you only have minor injuries.

If you have questions about what to do after being involved in a car crash, give us a call to set up a free consultation. We have helped many Minneapolis crash victims secure the compensation they needed for a car crash injury.

TSR Injury Law. Experienced Lawyers. Proven Results. Call (612) TSR-TIME.

Why Only Exchanging Information May Be a Bad Idea

You could run into trouble if you do not call the police after a crash. Here are a few of the reasons why:

How Do You Know the Other Driver Is Being Honest?

How do you know the other driver is giving you accurate information, including his or her:

• Real name
• Phone number
• insurance information

Even if he or she shows you a valid driver’s license and insurance card and sends you a text message so you have the phone number in your phone, he or she may not return your calls.

People often forget or put off updating their driver’s license. The address on it may no longer be correct.

Sometimes at-fault drivers rush through exchanging information. They may say they have an appointment to get to or some other obligation.

They may seem nice and like someone who will take responsibility for their actions. The fact is you do not know them and there is no way to know if you can trust them.

You May Not Be Able To Seek Compensation Without a Police Report

If you call the insurance company, they may deny liability. They may claim you do not have a case because you did not call the police.

Even though Minnesota is a no-fault state, it is important to have a police report from the scene of the crash because:

• Some insurance policies require a police report to set up a claim.
• The at fault party may change their story and when you try to make a liability claim, it is denied.

It Can Be Harder To Prove Fault

If you do not have a police report, it may be difficult to establish fault. If the driver leaves the scene, you will not have pictures of the damage to his or her vehicle. The insurance company may say the crash could not have been that big of a deal because you did not call the police right away.

Your Injuries May Be More Severe Than You Realize

It may take a few hours or days for symptoms to develop, and by that point you could be dealing with a significant amount of pain.

If you do not call the police or seek treatment right away, you are giving the insurance company room to claim your injuries were caused by something else.

Linking Your Injuries and the Collision

It is important to establish a strong connection between your injuries and the accident. You can do this by calling the police right away, seeking treatment, and contacting a licensed attorney to help review your options. When victims treat a crash as a serious situation, it becomes more difficult for insurance companies to say otherwise.

When Are You Required to Call the Police After a Minneapolis Crash?

Leaving the scene of a crash without calling the police may be illegal, depending on the details of the crash. Under state law, those involved in collisions that result in bodily injury or death must provide notice to:

• Local police if the crash happened within a municipality
• State patrol if the crash happened on a highway
• Office of the sheriff of the county

What Are the Penalties for Not Reporting a Crash in Minneapolis?

Minnesota imposes severe penalties on drivers who fail to report a crash that results in injury or death:

• In case of a fatality:
  • If the collision results in the death of another person, and you, as the driver, fail to report it, you are facing serious consequences.
  • The law considers this a felony.
  • The penalties can include imprisonment for up to three years, a fine of up to $5,000, or possibly both.
• In case of great bodily harm:
  • If the accident results in “great bodily harm” (a term legally defined in section 609.02, subdivision 8), not reporting it is also a felony.
  • Penalties include imprisonment for up to two years, a fine of up to $4,000, or both.
• In case of substantial bodily harm:
  • For accidents causing “substantial bodily harm” (as defined in section 609.02, subdivision 7a), the penalties are slightly less severe but still significant.
  • You could face imprisonment for up to 364 days, a fine of up to $3,000, or both.
  • Additionally, if the collision results in any kind of bodily harm and you fail to report it, you may be sentenced to imprisonment for up to 364 days, or a fine of up to $3,000, or both.

What if it Was Just a Fender Bender?

You might think it is unnecessary to call the police after a fender bender where there are no injuries and only minor damage. However, there are compelling reasons to consider making that call.

A Police Report Provides an Official Account of What Happened

This can be crucial if there are disputes about what happened, and there often are. Insurance companies may be less likely to believe a crash occurred if there is no report.

Minor Damage May Be Worse Than You First Think

What appeared to you as minor damage initially may turn out to be more significant upon closer inspection. Having a police report can simplify the process of claiming insurance coverage for such hidden damages.

Police Reports May Help Resolve Disputes

In cases where the other party seems uncooperative or there is a disagreement about the events, police intervention can help to document the scene.

Ultimately, while it might be legally permissible to skip calling the police for very minor incidents, doing so provides a layer of protection and documentation that can be valuable in the long run, especially in dealing with insurance matters and potential legal disputes.

6 Steps To Take After a Minneapolis Collision

Here is a straightforward guide that outlines the steps you should take after being involved in a crash. These steps are about protecting your health and your legal rights:

• Move your vehicle away from traffic – This is essential for the safety of everyone in your vehicle. You do not want to get hit by an approaching car, which could cause additional injuries. Turn on your hazard lights and, if you have them, set up road flares behind your vehicle.
• Check yourself and your passengers for injuries – You may be able to provide first aid to help stabilize certain injuries. You also need to know if someone has a life-threatening injury. When you call 9-1-1, you can tell the operator and they may be able to give you tips on saving the person’s life while you wait for the ambulance to arrive. Remaining calm is critical, as it will help you manage the situation effectively.
• Report the accident – Immediately call 9-1-1. Provide detailed and factual information to the police, offer your driver’s license and insurance details and get the officers’ names and badge numbers. If police cannot reach the site, you can file a report at a local police station.
• Document the scene – Take out your smartphone and take pictures of your vehicle and the other driver’s vehicle. It is helpful to get pictures from different angles. You can also take pictures of street signs, crash debris, visible injuries and anything else that may help insurance companies and lawyers understand what happened.
• Exchange information – Exchange contact and insurance details with the other driver. If there are witnesses, be sure to request their contact information too. This step is critical, whether you call the police or not.
• Seek medical attention – Even if you feel fine, some injuries manifest later. A medical professional can assess and document any injuries, which is crucial for insurance and legal purposes.

Following these steps can help protect your interests and ensure a smoother process in dealing with the aftermath of a car accident. Remember, your actions immediately following an accident are critical in safeguarding your rights and well-being.

Contact TSR Injury Law Today To Schedule Your Free Legal Consultation

Give us a call today to learn more about how our experienced attorneys may be able to help you. We have assisted many car crash victims over the years, securing millions in compensation through settlements and courtroom verdicts.

There is no risk in contacting us for help because there are no upfront fees for our services. We do not get paid unless our clients get paid, which means there are no fees while we work on your case.

Check out our client testimonials page to see what our past clients had to say about their experience working with us.

TSR Injury Law. We are here to assist you. (612) TSR-TIME

Most drivers do not think about what they would do after a crash. They either do not want to think about a crash or they think they will simply figure out what to do if a crash happens.

However, your actions after a crash could go a long way in helping or hurting your claim for compensation. For example, if you talk to the insurance company before talking to a lawyer, you might say things that devalue your claim or give the insurance company a basis for denying your claim.

Below, learn more about the benefits of talking to a lawyer before talking to the insurance company. Learn how insurance company representatives often mislead crash victims and even try to trick them into saying things that hurt their claim.

Call TSR Injury Law for help after a crash. (612) TSR-TIME

Dangers of Talking to the Insurance Company First

Crash victims often contact a lawyer after filing an insurance claim. In some cases, the victims themselves reach out to the insurance company first, while in others, the insurance company contacts the victim first.

While many of these victims may end up recovering compensation, particularly the ones who hire attorneys to represent them, there are some risks in talking to the insurance company before talking to a lawyer. These risks are present even if you only want to file a claim and not discuss much else.

Why Insurers Contact Victims

Consider the reasons why the insurance company would contact a victim first. Are they doing it because they want to ensure you receive the compensation you need? Are they really trying to do their best to help take care of you like their advertisements say they are?

Remember that insurance companies are businesses. Their number one goal is to make a profit so they can stay in business. They would not be able to stay in business if they fairly compensated every person who files a claim. They have an incentive to deny or devalue claims whenever possible. The less they pay on claims, the more profit their shareholder’s gain.

That means the insurance company is probably contacting you to find some way to deny or devalue your claim. To help them accomplish this, they often ask for details about your injuries and what you remember about the crash, but they also may suggest a quick (cheap) settlement “to help you” or ask for information they have no right to. Without legal guidance, damage or elimination may be done to a legitimate claim

Protecting Your Claim When Talking to the Insurance Company

You do not need to have a long conversation about the crash. If you just want to file a claim you can provide the date, time and location of the crash and say you have or are seeking treatment for your injuries. You could also tell the insurance company where your car has been taken. You do not need to discuss anything else and there is no obligation to allow a recording of the conversation.

Getting into a long conversation about the crash plays right into the insurance company’s hands. Insurance company representatives may seem friendly and helpful, but your best interests are not theirs.

Discussing the severity of your injuries may seem harmless, but the insurance company will try to use statements about the seriousness of your injuries against you. Crash victims tend to downplay the severity of their injuries, which can hurt a claim for compensation. If you say, “I’m OK,” or “It is not that bad,” or “I am sure it will go away”, the insurance company may use those statements as a basis to deny your claim or later make a lowball offer.

You may think you know exactly what happened in the crash, but you may have some details wrong. It is human nature to be stressed and mix up or forget key details. Statements you make right after the crash may be contradicted by statements you make later in the claim process or by the police report

No matter what the insurance company tells you, you do not need to settle the claim right away. You do not need to accept the first offer the insurance company makes – this is never the final offer they will make. They are trained to use subtle, and sometimes not subtle, pressure to make victims think they must quickly settle or “lose out.” Some will even threaten the offer will disappear if you call a lawyer or suggest the “lawyer will take some of the settlement so why pay them for the getting the same offer.”

Pros of Talking to a Lawyer First

Despite what the insurance company may tell you, you have the right to talk to a lawyer and you will not be hurting your case. In fact, instead of talking to the insurance company about the crash, you could simply refer them to your lawyer.

The main thing to remember about a lawyer is that he or she will be committed to your best interests. Your attorney’s goal is to secure maximum compensation for your damages, which is also your goal. Compare this to the insurance company, which is looking for a way to deny or underpay your claim.  Claimants with attorneys get more compensation offered. Even after paying the attorney fee, you end up with more.  There is usually no fee for property damage, undisputed medical bills or wage loss so the insurance is lying by suggesting you would get less if you hire an attorney. The opposite is true. You get more, do not have to deal with the insurance and the paperwork will be done correctly.

Attorney-Client Privilege

Once you hire an attorney, your conversations are protected by attorney-client privilege. That means the things you discuss cannot be disclosed to the insurance company and potentially used against you. For example, you may be concerned about how your preexisting medical issues may affect your claim, and you can have a private conversation about this with your attorney. You can also discuss concerns you may have about being partially at-fault for the crash.

Your Lawyer is Committed to Your Best Interests

By calling a lawyer first, you can get an objective opinion about whether you may have a valid case. Attorneys are unlikely to recommend filing a claim unless they think there is a case, and they are likely to obtain compensation. Injury attorneys, like those at TSR Injury law, do not get paid unless their clients get paid.

Injured in a Car Crash? TSR Injury Law is Here to Help

Have questions about what to do after a crash? Unsure about your options for pursuing compensation?

It is often in the best interest of a car crash victim to seek legal help from an experienced attorney. At TSR Injury Law, we have been helping car crash victims for over 25 years and have secured millions in compensation on their behalf.

An initial consultation with a licensed Minneapolis auto accident attorney is free. There are also no upfront fees for our services.

Learn more. Call today for legal assistance. (612) TSR-TIME

One of the main reasons car crash victims hire attorneys is so they can manage the legal process. That way, crash victims can focus on their treatment and know their claims are being managed properly.

The last thing victims want is to feel like their lawyer is not doing a good job. Not only does this raise questions about whether they will receive compensation, it may also cause victims to think about changing attorneys.

Below, our licensed Bloomington auto accident lawyers discuss switching lawyers in the middle of a claim. If you have questions about seeking compensation for a car crash injury, give our firm a call to schedule a free legal consultation. Our firm has obtained over $1 billion in compensation on behalf of our clients.

Free Case Review 24/7. Ph: (612) TSR-TIME.

Is it Too Late to Make a Switch?

This is an important question to consider if you are unhappy with your attorney. If a lawsuit has been filed, it may be next to impossible to get another lawyer to agree to take on your case. In fact, the judge in the case may not allow it.

Even if a lawsuit has not been filed, it may be difficult to make a change in the middle of settlement negotiations with the insurance company. Injury attorneys are not paid by the hour. They receive a percentage of the end result settlement or jury verdict.  They also recover fronted costs to pursue the case. If another lawyer has been working on your case and is fired, he or she is still entitled to recoup for their time and expenses fronted. The fired attorney will file a lien with the involved insurance companies and their name may be added to any checks that are sent after settlement.

Wrapping up a case is often the hardest part. A new lawyer has to take over the case, often fix errors or redirect the case to a more positive direction. The new attorney may not want to assume the risk and work of a new case and have to repay the first attorney for their time and expenses. More work and less pay is often not enticing for any professional.

As a general rule, the less time the prior attorney has worked on the case, the easier it is to switch.  If you are unsure if it may be too late to make a switch, you can reach out to another attorney you are considering and schedule a free consultation. Most personal injury law firms offer a free initial consultation to answer questions about taking legal action, including our law firm.

Do You Have a Good Reason for Making a Change?

Before making a change, you should review why you want to change lawyers. Injury victims often have many misconceptions about the legal process, and they are often anxious to recover compensation because of mounting medical bills or missed time at work.

Concerns About Delays

If you want to make a change because you think things are taking too long, that may not be true. Typically, claims are not settled until the victim has healed or reached maximum medical improvement. That could take several months or even years.

Delays are not always the fault of the attorney. Insurance companies are notorious for dragging their feet and making lowball offers. Insurance companies want to give attorneys and the victims they represent as little time as possible to file a lawsuit before the statute of limitations for filing a lawsuit runs out.

If you have concerns about how long it is taking, call your attorney to ask for an update. Your attorney should get back to you promptly and give you a detailed update. Experienced attorneys should understand concerns like these and be able to reassure their clients.

Talking to Your Lawyers

One of the biggest complaints from clients is their attorneys do not respond to calls or emails.  If you are unhappy or have questions, reach out to your attorney.  Give them a reasonable amount of time to respond.  If despite your best effort to get answers, there is no response, then you might want to consider making a change.

Another complaint is when attorneys miss deadlines or constantly ask the insurance company for more time.  This may indicate the attorney lacks experience or has taken on more cases than he or she can handle.

You should be able to trust your attorney and be able to communicate with him or her on a regular basis. Your lawyer should be interested in explaining things to you to help give you peace of mind.

The attorneys at TSR Injury Law are committed to answering your questions from the first day we represent you until the resolution of your case. We use teams of attorneys, secretaries and paralegals to always work on your case and communicate and respond to questions. The attorneys give out their cellphones and will always text, email or call back in a reasonable time. We believe in building strong relationships with clients because this is a difficult time in their life.

Lack of Relevant Experience

Another good reason for making a change is if you find out the attorney has not managed cases like yours before. This is something to research before hiring an attorney. If your attorney does not have much experience with car crash cases, or with injury cases like yours, he or she may be less likely to build a strong case or be able to recover maximum compensation.

Lack of Courtroom Experience

It is also important to have an attorney who regularly takes cases to court. It is unlikely you will need to go to court because most cases settle. However, insurance companies know the attorneys who rarely go to court. Insurers may not feel the need to make a better settlement offer to these attorneys because insurance companies do not think there is much of a chance of a lawsuit being filed.  Without the fear of a potential jury verdict, there is no pressure to make the best most fair offer.

Call TSR Injury Law to Discuss Your Claim

Our firm works on contingency, which means our attorneys are not paid for their services unless our clients get paid. We do not charge fees up front before taking a case or working on a case. That means working with one of our licensed attorneys comes with no risk.

If you have any questions about the crash or your insurance claim, give us a call. We have obtained tens of millions in compensation for our clients, many of whom were injured in motor vehicle crashes.

TSR Injury Law is here to help. Call (612) TSR-TIME to learn more.