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Index
Title
Copyright
Acknowledgments
About the Author
Table of Contents
Your Personal Injury Companion
Automobile, Cycle, or Pedestrian Accidents
Slip or Trip and Fall Accidents
Home Accidents
Miscellaneous Accidents
1 Handling Your Personal Injury Claim
Why You Often Can Handle Your Own Claim
When You Might Need a Lawyer
2 Whose Fault Is It? How Legal Responsibility Is Determined
Basic Rules of Legal Responsibility
Liability in Specific Types of Accidents
3 Initial Steps in Settling Your Claim
The First 72 Hours: Protecting Your Rights
Getting a Claim Started
Special Rules for Accidents Involving the Government
4 Understanding Insurance Coverage
Motor Vehicle Insurance
Nonvehicle Liability Insurance
Your Own Health Coverage and Accident Claims
No-Fault Laws: State Summaries
5 How Much Is Your Claim for Injuries Worth?
The Damages Formula
How Injuries Affect Compensation
Demonstrating Pain and Suffering
Lost Income
Property Damage
Arriving at a Final Compensation Value
Examples of How Much Different Claims Are Worth
6 Processing Your Claim
Collecting Information
Preparing a Demand Letter
Sample Demand Letters
7 Property Damage Claims
What Type of Claim to File
Amount of Compensation
Processing Your Claim
Negotiating a Settlement Amount
8 Negotiating a Settlement
Adjusters: Who They Are and How They Work
How the Negotiation Process Works
Conducting Negotiations
The Subjects of Negotiations With an Adjuster
What to Do When You Can’t Get a Settlement
State Statutes of Limitations
9 Finalizing Your Settlement
Confirming the Offer and Acceptance
Formal Settlement Document
What to Do If the Check Doesn’t Arrive
Liens on Your Settlement Money
Taxes on Your Settlement Money
10 The Last Resorts: Lawyers, Arbitration, and Courts
Small Claims Court
Arbitration
11 Working With a Lawyer
Reasons to Use a Lawyer
Finding the Right Lawyer
Paying the Lawyer
Managing Your Lawyer
Trial
Appendix
Accident Claim Worksheet
Index
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