Auto Accidents, Boat Accidents
Fighting for reasonable and fair accident compensation
Too often, insurance companies see a car accident injury as a statistic with a dollar figure attached to it. At Sieben & Cotter, we know that you cannot categorize auto accident injuries that easily. What may seem like a similar injury can affect different people in entirely different ways. That’s why we listen so carefully to our clients, and want to know how your injuries changed your life.
How we help clients injured in car and boat accidents
- We preserve the evidence
- We make sure the damages to the car and to you are fully documented with any and all available photos, videos, witness statements and police reports
- We make sure your immediate bills are being paid and handled appropriately, including the damage to your car and the initial medical bills
- We provide clients help in filing claims with car and health insurance companies
- When necessary, we will do an accident reconstruction, so that the insurance company and jury can better understand what happened and why
- We will document the story of how your auto accident injuries impacted your life at the time of the accident and into the future
Frequently Asked Questions
It is always a good idea to seek help from an experienced attorney. It is important to understand that even your insurance company is not looking out for your best interests. You can bet that they will have a number of people looking for ways to reduce or deny your claim. An experienced attorney can work directly with the insurance companies to help ensure that this does not happen.
Minnesota requires all driver’s to have uninsured (UM) and under insured (UIM) motorist coverage. UM coverage means your insurance company will pay for your medical bills and lost wages, among other costs, when the other driver does not have insurance. UIM applies when the other driver has insurance, but the policy limits are insufficient to fully compensate you for your losses.
Subrogation is a term written into your insurance contract. It requires you to reimburse your insurance company for any money it paid out for medical treatment for the injuries that you suffered from the at-fault driver, if you are able to obtain a recovery from the at-fault driver. This duty generally applies when an insurance company pays for something (like a medical bill) on your behalf, and then someone else (the at-fault person or their insurance company) pays you for that same bill – then, you may have an obligation to pay back money you originally received from your insurance company. This money will come directly from any settlement or recovery that you make.
This will depend on the specific facts of your case. You may be able to receive compensation for any of the following items: 1) Medical bills, including emergency room fees, surgical procedures, and any other hospital costs; 2) Lost wages; 3) Costs of rehabilitation and physical therapy; 4) Disability or disfigurement; 5) Pain and suffering; 6) Wrongful death, including loss of companionship and loss of financial support; and 7) Other out-of-pocket expenses resulting from the accident.
The steps you take immediately after a car accident can impact the outcome of your claim. The most important thing is to remember to remain calm and stay at the accident scene in a safe place.
The first step you should take after a car accident is to call 911 to assist with any injuries and to file an accident report. It is important not to admit liability, since this is a legal matter and will be investigated later. You should obtain the name and contact information for all parties involved in the accident and any witnesses to the accident. Make sure you also get the name and badge numbers of the police officers writing the reports. It is also a good idea to take pictures to document vehicle damage, road obstructions and injuries, as well as maintaining an accurate record of all costs that you incur as a result of the accident.
The importance of hiring an experienced attorney
At Sieben & Cotter, we know an accident injury can have repercussions well beyond the moment of impact and the days that follow. We work with our clients, their families, friends and employers to gain a full picture of how the injury has changed lives. It’s often the small things that change a life after a car accident. What it’s like to roll out of bed after the injury. How difficult it may be to shower and dress every day. What it’s like to work—or not work. This is what we want to tell a jury.