A motorist with an Unsecured Load

Delaware Personal Injury Attorney Ben Schwartz explains to a viewer what could happen in a personal injury lawsuit involving a motorist with an unsecured load.

Hi, I’m Attorney Ben Schwartz,

Today we’re going to do a quick video on a motorist with an unsecured load. I got an email from Ted in Newport, Delaware and he says, “I was driving on I-95, there’s a truck in front of me with a toolbox and the tools are falling out all over the highway. I swerved to avoid them and the pickup truck kept on going. Is that a case?”

So, I guess the first question that I have, Ted, is was there an accident where you were injured? What happened? Did you just swerve to avoid the tools and you kept going and it scared you? Or is this a situation where you swerved to avoid them, you hit the guardrail, spun-out and broke your neck? What happened? What are your injuries? What are your damages as a result of this accident?

Once you move past that question, the driver who had the toolbox that was unsecured in the back of the truck just kept on going; he never stopped. So, the question comes up, how are you going to sue that guy if you don’t even know who he is? Who would you name in the lawsuit complaint? Maybe the police investigated and maybe that guy was identified or maybe another motorist followed him up the road and got a tag number or was able to pull him over and get his information, we don’t know.

But let’s assume that he drove up the road, never to be seen or heard from again. You have no idea who it is; nobody knows who it was. The guy just has gone now, what do you do? Well, Ted, that is what’s called an uninsured motorist claim. In Delaware, on your auto policy, if this happened in Delaware, if you are a Delaware resident, which I’m assuming you are, on your auto policy you probably carry what’s called uninsured motorist benefits. If there’s an accident caused by a driver who flees the scene and is never heard from again, your uninsured motorist insurance coverage will pay you whatever you would have gotten from that at-fault driver. If you’d been able to locate them, identify them, and file the lawsuit against them. So, this is sounding to me like an uninsured motorist or a UM case. I hope that proves helpful and I hope that you make a successful recovery with your UM case.

If you would like to have help in regard to a car accident personal injury case, an uninsured motorist case resulting from a car accident or any other personal injury case, please feel free to contact me. If you have an interesting question about some quirk in the personal injury law or criminal law in the Mid-Atlantic region, shoot me an email. If you have a question, chances are other people out there on the internet are trying to figure out the answer to the same exact question. We can do a video and we’ll learn more about the law together.

Thanks for watching, I appreciate you and send me an email and let me know what you think.

You can also visit our Delaware DUI Website at www.delawareduidefender.com.

Unsecured Load

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Should I get a lawsuit loan against my personal injury case?

Hey, I’m attorney Ben Schwartz. People ask me all the time in personal injury cases, “Should I get a lawsuit loan? Will you sign off if I get a lawsuit loan?”

It’s something that I really think needs to be discussed. It’s something where I really feel strongly like a lot of people are being taken advantage of, people who have already been taken advantage of because they’ve been in an accident. They’ve been injured. They’re having a hard time. The insurance companies aren’t dealing with them, aren’t being fair. They come to me for help, and then they say, “By the way, should I get a lawsuit loan against my personal injury case?” And it’s like, oh my god. It’s one more bad thing that’s going to happen to you if you take money from a lawsuit lender.

Normally, I try and educate my clients that there are alternatives. Ask friends, ask family for advances. See if you can get a loan from somebody that’s not a loan shark, that’s not going to break your kneecaps when you don’t pay them back in full like within a week. I had a case come to me in the last week and when the attorney sent me … I got the case from another attorney’s office, took it on referral from an out of state attorney. When the file came over, there is paperwork for a lawsuit loan in the client’s file. And I was looking at it, and it doesn’t say, “Here’s what the percentage interest is,” it gives a schedule. And what I did was I wrote down the schedule on a yellow pad and basically, it says, “The client borrowed $7,500. If she pays back the money before the end of month 12, she’s going to pay back $10,677. Before the end of month 24, she’s going to pay back $14,617,” and on and on. “Before the end of month 60, she’s going to pay $37,495.”

And I thought to myself, I mean, that’s just unbelievable. Unbelievable that anyone would loan 7,500 bucks and then expect to be paid back almost $40,000 on a five-year term. And so, what I wanted to do is shoot a video and I wanted you to see me annualize the interest, okay. Basically what I’m saying is, to figure out if the loan is a good deal, what you have to do is annualize the interest. Figure out what the annual interest is going to be if you take that money. What I did was, I took the chart and at the end of month 12, if she pays back the $7,500, she’s paying $10,677. The difference between $10,677 and $7,500 is $3,177, which means an annual percentage interest rate of 42.36%.

If you look, it gets higher and higher. Every year, the interest rate is higher. At the end of the second year, if she pays back the money, she’s going to end up paying 47.5%. At the end of the third year, 55.6%. At the end of the fifth year, 79.98%. That’s 80% annual interest of a $7,500 loan gets you to a repayment of $37,500 at the end of five years. If you don’t think that’s insane, let me just tell you that I have a 30-year loan on my house with 4% interest. Compare a 4% interest rate against an 80% interest rate. Do you think that the loan company is taking advantage of my client? Because I sure do.

So, if you’re watching this video and you’re thinking about, should I get a lawsuit loan? Should I get any kind of loan, a payday loan, a car loan, a cash advance, anything? What I’m telling you to do is annualize the interest. Figure out what is the interest that you would pay over one year, two years, what is it? What’s the annual interest rate? You do that by figuring out how much you have to pay back, subtract out what you got, figure the difference between what you got and what you have to pay back. That’s the interest. Divide it into the amount of the loan, it gives you a percentage. If that percentage is 7.5% or 10% or 12% or 15%, cool. That’s what you would be paying if you went out and got a credit card.

If it’s 80%, put a gun to your head before you take that loan. It doesn’t make any sense. You’re being taken advantage of. Do not let lenders take advantage of you. If you’re an attorney watching this video, do not let lenders take advantage of your clients. It’s absolutely ridiculous.

Folks, I’m attorney Ben Schwartz. Thanks for watching this video. If you have a friend or family member who has been injured in an accident and you notice they’re having trouble, they’re having trouble paying their bills, paying their car note, putting money, bringing money in or putting food on the table, feeding their kids, ask them how you can help them. Don’t let them get a lawsuit loan that’s going to derail their life, their future, and the viability of their personal injury case. If you have questions for me about personal injury cases or lawsuits or anything along these lines, please feel free to send me an email. My email address is ben.schwartz@schwartzandschwartz.com. Thanks for watching.

Is It Possible To Buy More Auto Insurance Than You Need?

Attorney Ben Schwartz gives his thoughts to a viewer in Havertown, Pennsylvania about buying  more auto insurance than he needs.

Is It Possible To Buy More Auto Insurance Than You Need?

I’m Attorney Ben Schwartz,

Today we’re going to take a viewer question. This is from Glenn in Havertown, Pennsylvania. Glenn wrote-in, he said that he heard a Safe Auto radio ad about people buying more auto insurance than they need. Essentially, the ad said you should call Safe Auto because you may be buying more insurance than you need, and they can save you money by reducing the amount of insurance that you have. “Is it even possible to buy more auto insurance than you need?”

I think that is a wonderful question, Glenn. I really appreciate you writing-in with it and I have to tell you that it depends on why you’re buying auto insurance. If you don’t care about what happens after an auto accident, you don’t care about getting your medical bills paid, you don’t care about coverage for personal injuries, you don’t care about whether your lost wages get paid, you don’t really care if your car gets fixed or not, if you don’t care about any of that, and you’re solely trying to meet state minimum insurance standards, then I suppose maybe you could buy more auto insurance than you really need.

The truth of the matter is, I don’t really care about minimum auto insurance limits. My suggestion is that you never buy the minimum insurance limits. My suggestion is that if you’re looking to protect yourself and your family, you should buy the maximum available coverage that the insurance company will sell you, within reason. In other words, within your ability to pay that premium.

If you can afford a one-hundred thousand dollar insurance policy and it doesn’t cause you to be unable to put food on the table, it doesn’t cause you to be unable to pay the rent or the mortgage, that’s worth considering. If you can afford to buy a million-dollar insurance policy or a million-dollar umbrella insurance policy, that is worth considering as well.

What you have to understand is that insurance is there to protect you. The insurance is there to pay your medical expenses after a catastrophic accident. The insurance is there to cover your lost wages while you’re unable to work after a catastrophic accident. The insurance is there to pay your family in the case of your demise from a catastrophic accident. The insurance isn’t really there for mundane everyday problems. You get a scratch on your bumper and you want to go to the body shop and get it fixed, that’s something you may be able to afford to pay out of pocket. You don’t buy insurance to cover something you’re able to afford to pay out of pocket. You buy insurance to cover the real catastrophes that could happen.

So, in my book, as a personal injury attorney who constantly handles automobile accident personal injury claims, no absolutely not, you cannot buy too much insurance. It’s just a balancing act between what you can reasonably afford in the form of a premium versus how much you can obtain in the way of coverage.

Here’s my offer to you, email me when you buy your auto policy, they will give you a declarations page. If you would like me to review your declarations page, look at the amount of coverage that you have, and give you some pointers on what coverage exists, what coverage may be meaningful for you and important for you in the case of an accident, send me an email and attach your declaration page, I’ll be more than happy to take a look at it.

You’ve got a case, and your case is worth $75,000, the at-fault driver has insurance, but they’ve only got $25,000, who makes up the difference? Well, if you purchased a significant uninsured motorist, underinsured motorist policy, your insurance company may make up the difference. These are important insurance coverages and you should understand your rights when it comes to insurance coverage and your limitations when it comes to the insurance policy you bought.

In no event in my imagination could anyone ever overbuy insurance coverage. It’s a fake problem made up by the insurance company to try and sell people minimum insurance policies at the lowest cut-rate that they can. Don’t believe the hype, contact a personal injury lawyer in your jurisdiction if you have questions about your auto insurance coverage. Get a free consultation and understand what you’re doing when you buy this insurance. That way you are protected, and your family is protected in case of an accident.

Glenn, thank you very much for the question. I’m attorney Ben Schwartz, if you have a question for me, feel free to send me an email.

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Dover, Delaware
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Bethany Beach, Delaware
(855) 847-8437
34026 Coastal Highway
Bethany Beach, DE 19930
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Dagsboro, Delaware
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30838 Vines Creek Road, Unit 3
Dagsboro, DE 19939
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1525 Delaware Ave.
Wilmington, Delaware 19806
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Havertown, Pennsylvania 19083
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Getting Legal Advice After A Serious Accident

Attorney Ben Schwartz talks about why getting legal advice after a serious accident is of great importance.

Getting Legal Advice After A Serious Accident

Hi, I’m Attorney Ben Schwartz,

Today we are going to take up a topic that is near and dear to my heart, and that is getting legal advice after a serious accident. I got an email from an insurance adjuster that is a friend of mine and for the purposes of this video, the name has been changed. Let’s say Glenn sent me this email. He says essentially, can you do a video about this? One of the things that causes me the most stress is knowing after a motor vehicle accident people are taking steps that severely damages their own lives and futures and I cannot do anything to stop them. I am not allowed to give people legal advice about their rights. I was investigating an accident where a woman was run over by a motorist; our insured was intoxicated.

I visited the claimant in the hospital and quickly determined that based on the nature and extent of the injuries, a $100,000 policy limit settlement would likely be recommended. I was very nice to the lady and she quite willingly took a check from me for $1,500 and signed a release. I don’t feel good about it, but it’s my job. Tell more people to get legal advice before they agree to a settlement.

And know Glenn, I want to tell you thanks for writing in and raising this issue. I understand what you’re saying. What you are saying is as a representative of the insurance company for the at-fault driver, it’s not your position, and it’s not your right, and it’s not your obligation to tell someone, “hey look, go to a lawyer, you’ve got a big settlement coming to you. You’ve got money coming to you that will help you secure your future and help you live a better life now that you have these significant injuries”.

It’s not your job to do that and in fact, it’s actually your job to protect your insured. Meaning it’s your job to protect the at-fault driver from being sued; from having an excess verdict. A verdict from a jury that is more than the available insurance coverage. Then I understand as a legal professional all that you are is doing your job when you go to a hospital room, you meet with a woman who’s been run over, you get her to sign-off on a general release and she waives her right to sue in return for some small pittance.

I understand that I’m not sure that most of the population in the United States also understand that and so that’s why I agree. We should do this video, so folks if you’re watching what I’m saying in this video, is if you have a friend, family member or you know someone you’re related to or you know someone that you know if there has been a significant injury. You know there is a reason why everyone says get legal advice from a lawyer. There is a reason why personal injury attorneys offer a free consultation in order to give you legal advice. It’s because the insurance company has an obligation. The insurance company has an absolute duty to get the at-fault driver, or the at-fault person, out from under your legal claim. They are gonna do that as inexpensively as possible. Their goal is to get your signature on a release, on a document where you waive your right to sue., and if you meet with an insurance claims representative, if you sign anything, if you agree to anything, you are probably shooting yourself in the foot. Quite frankly that’s not really the proper analogy, what you are really doing is you’re shooting yourself in the head, because if you have been significantly injured in an accident, how are you going to pay your rent? How are you going to pay your mortgage? How are you going to put food on the table for your kids to eat?

You need to make sure that you take steps to secure your financial stability. That is what you speak to an attorney about. So, my pitch to you is wherever you know people all over the United States, inside and outside the United States, watch these videos. I get emails and messages and direct messages on Facebook and you know comments through YouTube from all over the world. If you are watching this video, here is what I want you to know. Wherever your accident was, go to a qualified personal injury lawyer in the jurisdiction where your accident occurred or where you reside. Get a free consultation. Get some legal advice, get someone who understands the insurance companies playbook and who can help you defend against the insurance company trying to run its plays. To make sure that you don’t get your ball down the field. To make sure that your future is sold out for the betterment of the at-fault driver, for the betterment of the insurance company.

Get that free legal consultation before you agree to anything. Get that free consultation before you talk to anybody from the insurance companies. If you don’t, you may be putting the bullets in the gun and putting the gun up to your own temple with your finger on the trigger. It just doesn’t make sense.

So, I think I want to say thank you to Glenn. You know, insurance adjusters tend to look at these cases as games and they tend, in my experience, to compartmentalize these things and sort of a game that they are playing so they can sleep at night and so that they can look themselves in the mirror when they are shaving their face and not feeling guilty about what they are doing to innocent victims of significant personal injury claims.

Glenn, I think it’s very brave of you to send me that email, I thank you for sending me that email. I thank you for helping me to educate people about what to do after an accident. Now, if you’re watching this video, I hope that you found it informative. I hope that you will share it with your friends and family. I hope that if you have a question relating to personal injury law or litigation that you will feel free to send me an email. Thanks for watching!

Getting Legal Advice After A Serious Accident

Office Locations - Personal Injury Lawyer

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Dover, Delaware
(302) 678-8700
1140 & 1126 South State Street
Dover, Delaware 19901
Central Fax: (302) 678-8702
Directions & Map
Bethany Beach, Delaware
(855) 847-8437
34026 Coastal Highway
Bethany Beach, DE 19930
Central Fax: (302) 678-8702
Directions & Map
Dagsboro, Delaware
(855) 847-8437
30838 Vines Creek Road, Unit 3
Dagsboro, DE 19939
Central Fax: (302) 678-8702
Directions & Map
Wilmington, Delaware
(302) 654-4930
1525 Delaware Ave.
Wilmington, Delaware 19806
Central Fax: (302) 678-8702
Directions & Map
Havertown, Pennsylvania
(610) 853-4888
850 West Chester Pike Suite 205
Havertown, Pennsylvania 19083
Central Fax: (302) 678-8702
Directions & Map
Philadelphia, Pennsylvania
(267) 675-7015
One Liberty Place
1650 Market Street
36th Floor
Philadelphia, Pennsylvania 19103
Directions & Map
Baltimore, Maryland
(410) 385-5259
111 S. Calvert St.
27th Floor
Baltimore, MD 21202
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Salisbury, Maryland
(410) 546-6415
Suite 500-A, 100 East Main Street
Salisbury, Maryland 21801
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Defense Medical Examinations in Personal Injury Lawsuits

Delaware Personal Injury Attorney, Ben Schwartz, gives his Top 10 list for dealing with Defense Medical Examinations in Personal Injury Lawsuits.

Defense Medical Examinations in Personal Injury Lawsuits

Hi, I’m attorney Ben Schwartz,

Today we are going to do a video on Defense Medical Examinations in Personal Injury lawsuits. I have been asked several times to do a Top 10 video on this topic of independent medical exams or defense medical exams; sometimes called insurance company medical exams. It is something that we deal with all the time because we are handling personal injury cases. Basically, if you are not familiar with what this is, it is something that happens in personal injury cases, or maybe not necessarily personal injury cases per se, like car accident personal injury cases, slip and fall personal injury cases. I understand they also come up in another context as well, such as in employment-type cases, insurance claim type cases. It is quite often that an insurance company hires a doctor to perform a defense medical exam or a defense lawyer who is representing an insurance company or representing the at-fault party in a claim and of course that means is hired by an insurance company. That defense lawyer will hire a medical doctor to perform a defense medical exam.

If you’re watching this video, chances are you have been injured in a car accident or some other type of incident. You have made a claim. You hired a lawyer and you’re pursuing a lawsuit. During the lawsuit, the defense lawyer has scheduled you for a defense medical examination with a doctor who is not your treating physician. He is not your choice of doctor, it is somebody hired by the insurance company.

So, folks want to know, what do I expect? What should I do to get prepared for this? I made a top 10 list. Now, this is not everything under the sun that you could do to prepare for a defense medical exam. I think the top 10 things that if I were injured in an accident if I were a plaintiff or a claimant, and this happened to me, these are probably the..

10 things I would do to get prepared for a defense medical exam

  1. Know your relevant medical history and your providers’ names. That doesn’t mean get your medical records and memorize everything. That means you should be generally familiar with where you went and what you did for medical treatment after your accident. You should be generally familiar with the names of your doctors, physical therapists, and facilities. If you had shoulder surgery after a car accident, you should know what the facility name where you had the shoulder surgery, whether that be the operating room in the hospital in your community or whether that be in an ambulatory surgery center. You should know the name of the facility; should know the names of the providers of the doctors. You would be surprised how many times we have clients, or where we are involved in cases, and the people don’t know the names of their doctors. I can tell you that if you’re going to a defense medical exam with the doctor, that doctor will have been provided with your medical records, he’ll know the names of your medical treatment providers. You should know the names of your medical treatment providers too.
  2. Don’t minimize or maximize your injuries for purposes of the exam. Whatever your injuries are, however you’re feeling on the day of the exam, it is what it is. The last thing that you want to do is get into an exam and act as if the injuries are worse than they really are, or get into the exam and try and minimize the injuries, telling the doctor that they’re not as bad as everyone’s making them out to seem. It is what it is. Follow that mantra it is what it is, don’t make it more and don’t make it less.
  3. Don’t take antispasmodics or muscle relaxers before a defense medical exam. There are a lot of people who have been injured in an accident and sustained things like disc herniations in their necks or their backs. One of the things that happen when you have disc herniations or you got another structural damage to a body part is that the damaged disk or ligaments can press on nerves which send interruptions in the nerve signals and causes muscle spasms. One of the things that a defense medical doctor or insurance company doctor is going to be doing in a defense medical examination is palpating or feeling the muscles in order to determine whether there’s any spasm. You don’t want to quell the spasms or stop the spasms during this exam, you want the doctor to feel them if there. In other words, don’t take anything to mask the symptoms that the doctor should be able to appreciate to come to a valid conclusion as to your diagnosis.
  4. You should be prepared to describe the effects of your injury on your life, but only if asked. In a defense medical exam, you’re only going to answer those questions which are asked of you. You’re not going to volunteer information. You’re not there to inform the defense medical examiner of anything that they don’t want to know. They’re going to have your medical records, they can look in the medical records and get almost all the relevant information from the records. If they ask you how the injury has impacted your life, I think that it’s wise to be prepared to answer the question with 1-2-3 examples of things that it is now harder to do or things that you cannot do because of this injury.
  5. Don’t miss the appointment or arrive late. One of the things that sometimes happens in personal injury cases is the claimant or the plaintiff get scheduled for defense medical exam and they miss it. This is not like missing a normal doctor’s appointment. These defense medical examiners are paid thousands of dollars by the insurance companies to do these medical examinations. The missed appointment fee can be a thousand or fifteen hundred dollars. There are cases where people miss their defense medical examination and then in order to get their case to proceed, the courts will force them to pay the missed exam fee. So, it can be very expensive if you miss it. You should not miss it and you should not be late. I would arrive at least half an hour, or an hour early, to the defense medical exam. If I got scheduled for a defense medical exam and I was not familiar with the location, I would go the day before to that location to make sure I know where I’m going. I would do it the day before, or the weekend before, sometime before so that on the day of the exam, I know where I’m going and I can get there.
  6. Understand that in your case, the day when you are scheduled for a defense medical exam is the best day for surveillance. So if there’s going to be a day where the defense lawyer or the insurance company is going to send out a private investigator to follow you around and videotape you, videotape you walking to see if you walk with a limp, videotape you lifting things to see if you’re able to lift different things, videotape you to see where you go and what you do, it’ll be on this day because this is the day when they know where you’re going to be and what time you’re going to be there. This may be the only day in the entire case where they know where you’re going to be and when you’re going to be there. So I would not advise you to pick this day to go water skiing; pick this day to climb a tree. I would not advise you to do anything out of the ordinary on this day, you should assume that on the day of your defense medical exam you’re going to be surveilled by a private investigator.
  7. Ask your attorney ahead of time if you can video record or audio record the defense medical examination or take a friend with you. This is something that is going to differ from state-to-state. In some states, your plaintiff’s personal defense attorney can go with you to the medical defense medical exam. In some states, a nurse can go with you, a nurse selected by your lawyer can go with you. In some states you can take a friend. In some states, the entire exam will be videotaped and audiotaped to preserve what happened. In some states, none of this stuff happens. In some states, there is nothing requiring the defense to videotape these exams. Oftentimes the doctor says one thing happened and the patient or the plaintiff says another thing happened. Before you go to the exam, you should ask your attorney what you can do and how you can record it. At a minimum, I think you should take someone with you and even if you’re in a state where you can’t videotape it, where you can’t audiotape it, take a friend with you and ask when you get there if that person can accompany you into the exam room. Whether you be nervous, and you want to take a friend with you or you just want to have some moral support, take a friend with you if you can.
  8. Take detailed notes of what the doctor did in terms of the examination, the testing, etc. and give those notes to your attorney. Oftentimes I find that when the doctor testifies, the doctor says I did 27 different tests. I had them doing range of motion testing, I did palpation, I did this test and that test. I used a tool to measure range of motion. Then I asked my client, did the doctor do all those things? The client says the doctor didn’t do any of those things. Well, when you’re in the exam, you should be taking note, paying attention to what the doctor is having you do. You should be paying attention to what the doctor is doing, what body parts is he focusing on, what testing is he doing and then you should write it down. If you can’t write it down there and then in the exam room, when you get out to your car, have a piece of paper and a pen and write it down there and then. This is what happened during the exam, then give that piece of paper to your lawyer so your lawyer knows what actually happened.
  9. Time it! You should time everything, note the following:
    – what time you arrived at the doctor’s office
    – what time you went into the exam room
    – what time the doctor came into the exam room
    – what time the doctor started his physical exam of you
    – what time that ended
    – what time you left the exam room
    – the time you left the doctor’s office

This way you can calculate how many minutes the doctor was laying hands upon you and doing physical testing. You can note how many minutes the doctor was asking you questions and discussing the case in taking a detailed history. This is all information that is vital for your lawyer to have because when the doctor testifies, the doctor’s going to say, “I was with this patient for an hour, I took 40 minutes of time in order to do a comprehensive physical examination.” Your experience may be, the doctor had you in the exam room for 11 minutes and took 4 minutes of time to do an in-comprehensive physical examination. That’s a good thing to know because often times these doctors are paid a lot of money by insurance companies and they don’t really do what they’re supposed to do. That is something we need to know as attorneys in order to properly represent our clients.

10. Be nice to the doctor and be nice to the doctors’ staff. These doctors are hired by insurance companies to give testimony minimizing people’s injuries. To give testimony essentially saying that the injuries are not as they are claimed. In order to have some credibility, the doctor needs to be able to point to an occasional case where he agrees that the person is legitimately injured. So, even if that’s 1 in 100 exams, if you’re the 1 in 100 people that are nice to that doctor, or the 1 in 100 people that are nice to that doctors staff, maybe you’ll be the person where the doctor gives an accurate, honest, truthful assessment, confirming that you are truly injured and your case will settle. I think being nice to them, even though they’re hired by the insurance company, even though they’re wearing the Black Hat, they’re the bad guy, be nice to them anyway because that’s the classy thing to do.

I’m attorney Ben Schwartz, I hope you found this video interesting and informative, especially if you’ve got to go through the defense medical examination process in a personal injury case. If you have questions for me that you would like me to answer in a video blog format send me an email below. Thanks for watching!

Defense Medical Examinations in Personal Injury Lawsuits

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