After a car accident, there’s a good chance that you will have to deal with an insurance company. In theory, insurance provides you with an avenue for recovery after your accident. Frequently, you must work with an insurance company to get the compensation you will need to recover the costs of property damage, injuries, etc. Unfortunately, however, actually recovering that compensation is often easier said than done. While we wish it weren’t the case, insurance companies often try to make the claims process as difficult as possible. But the car accident attorneys at the Fob James Law Firm want to help. By educating yourself on the type of information that insurance companies don’t want you to know, you can increase your chances of maximizing your recovery. 1. The Insurance Company Is Not Your Friend Knowing what insurance companies don’t want you to know is the first step to getting the compensation you need and deserve after your car accident. One of the first things you should know is that the insurance company is not your friend. It’s true that insurance companies will pay out claims to compensate parties after an accident. However, an insurance company is, above all else, a business, and its primary purpose is to make money. Thus, it is important to keep in mind that the insurance company does not always have your best interests at heart. 2. You Don’t Have to Accept the First Offer the Insurance Company Gives You Another thing insurance companies don’t want you to know is that you never have to accept their first offer. In fact, you are under no obligation to accept any offer whatsoever. Insurance companies are businesses. This means they will do nearly anything to pay out as little as possible to satisfy the claim. Insurers will not hesitate to push an undervalued settlement offer if it helps their bottom line. A lump-sum settlement offer of any amount may seem appealing at first glance. However, don’t feel pressured to accept the first offer you receive. In fact, you are likely entitled to more compensation then a first offer would provide. The insurance company’s goal is to settle your case before you seek treatment and before the extent of your medical injuries are even known. This is because the value of your case often increases after you receive treatment and have a better understanding of the scope of your injuries. If you receive an offer to settle from an insurance company, contact an attorney today. They can work with you to discuss your case and help you protect your right to recover the compensation you deserve. 3. You Can Get Another Examination After Your “Adverse Exam” Sometimes, an insurance company will require you to be examined by a doctor before they will pay out any benefits. This is known as an “adverse exam,” because the exam will be with a doctor of the insurer’s choosing. You will have no say in selecting the provider. You may not be able to refuse the exam without risking denial of your claim entirely. However, you can get a second exam, by a doctor of your choosing, after your adverse exam. After having an independent examination from a different medical professional, you can use those results to ensure that you have an unbiased medical opinion. 4. You May Be Entitled to More Than Just Compensation for Property Damage Insurers don’t want you to know that, in addition to compensation for property damage,you can also receive compensation for injuries sustained in the accident. If an insurer tries to pay out only for property damage expenses, know that you may be entitled to more, including lost wages, pain and suffering, mental anguish, and cost of medical treatment. If you sustain physical injuries or incur expenses related to medical care and treatment, contact an attorney today. An experienced car accident lawyer can help you determine the full amount you could be entitled to recover. 5. An Attorney Can Help You Fight to Maximize Your Claim Knowing what insurance companies don’t want you to know is extremely important to the success of your claim. The main thing insurers don’t want you to know is that you might get better results by hiring an attorney to help you with your case. In an insurance company’s ideal world, you would not be represented by an attorney. That’s because having an attorney levels the playing field between you and the insurance company. For many injury accident victims, an experienced attorney provides you with the best opportunity for recovering fair compensation. An experienced car accident attorney can help you gather evidence to help prove your case, negotiate with the insurance company, and take your case to trial, if necessary. At the Fob James Law Firm, we know how complicated and frustrating it can be to deal with an insurance company, especially in the aftermath of your car accident. We want you to know that you don’t have to go through this process alone. Our team of personal injury attorneys has helped countless accident victims recover compensation, and we are ready to help you too. Contact us today online or by phone at (205) 407-6009 for your free consultation to discuss your case and see what we can do for you.
We’re aggressive Birmingham trial attorneys fueled by our passion for people like you. We take fewer cases than other personal injury law firms in Alabama so we can provide the utmost care to your situation. Although we have the resources of a large personal injury firm, we serve you with the attention and compassion of a small injury firm.
We work day in and day out to obtain justice and a top-dollar settlement for you. Whenever you need an update on your case or a listening ear, you can call your attorney day or night, 365 days a year.We’re in it for the long haul, and we’ll do it together.
- Multi-Million Dollar settlement Securities Fraud
- High Seven Figure settlement Nursing Home Abuse
- $700,000.00 settlement Confidential Settlement
How can we help you?
We help our clients with the following case types, but please reach out if you don’t see your situation listed.
I and eighteen other families were involved in a land dispute with a multi-national company twenty years ago. A Lawyer made a presentation to us saying it would cost well into six figures and we could lose. After much prayer, We, on two occasions, contacted a well-known law firm out of Montgomery, Alabama to represent us. They chose not to take our case but recommended Fob James in Birmingham saying there are three things about him which are: Number one: He is a Christian. Number two: He will not take your case unless he thinks you are right. Number three: If he takes your case, he will bite in like a Bull-dog and will not let go until you get the answer. We found these three things to be true, know our prayers were answered, as Fob negotiated on our behalf without having to go to court and eighteen families received fair market value for our homes and property. I highly recommend the Fob James Law Firm- Milton E. Pointer
Outstanding Job. Hired Fob…for advice on how to handle a fraudulent cyber attack and potential litigation relating to the securities business. Excellent service and insights.- Mal
Fob James is a hard-working and knowledgeable attorney to whom I have referred personal injury cases. I trust Fob will put his clients first and pursue the most favorable outcomes on their behalves.- Dillon Hobbs
Knowledge with wisdom. Fob James IV has a gift for applying knowledge with wisdom. When I needed someone to act on my behalf, Fob represented me fiercely, but with a wise approach, and was able to reach a positive resolution of my problem. He communicated very well with me and for me. I would highly recommend Fob James IV.- Becky
Learn more about personal injury cases.
Read our legal articles to gain a better understanding of personal injury law and the claims process.
If you watch television or drive on the highway, you have undoubtedly seen advertisements for Birmingham personal injury lawyers. But what, exactly, is a personal injury case, and how can a personal injury lawyer help you? These are questions that many people have. The personal injury attorneys at the Fob James Law Firm are here to answer your questions and provide the help you need. If you have never been involved in a personal injury accident, you may not even know what the term means. Nevertheless, personal injury accidents happen much more frequently than you might imagine, potentially putting you at risk of being involved in one yourself. If you sustain injuries in a personal injury accident in Birmingham, you may be entitled to compensation for your injuries. With money on the line, it is important to be able to recognize what types of personal cases exist and what you need to do to recover the compensation you deserve. What Is a Personal Injury Case? A personal injury case is at its core a “negligence” action. The legal definition of negligence is a failure to act with a reasonable level of care that an ordinary person would have exercised under similar circumstances. To win a negligence case, you must be able to prove four elements: Another person owed you a legal duty to act reasonably under the circumstances; That person breached his or her duty by failing to act as a reasonably prudent person would have under the same circumstances; You suffered actual damages; and The other party’s breach was the cause of your damages. Put simply, any time someone’s negligence causes you harm, you may have a valid personal injury claim. What Are the Most Common Types of Personal Injury Cases in Birmingham, Alabama? You might not realize it, but personal injury accidents can occur virtually anywhere at any time. They can happen on the highway, in the grocery store, at the park, or even at the doctor’s office. Some of the most common types of personal injury cases include: Car accidents, Commercial trucking accidents, Dog bite cases, Medical malpractice, Products liability, Premises liability, and Wrongful death cases. If you think any of the above types of personal injury cases apply to you, contact an attorney today to discuss your claim. What Are Typical Types of Damages in Personal Injury Cases? A personal injury claim provides injury victims with an opportunity to recover monetary compensation for their injuries from the at-fault party. This monetary compensation that the law imposes is referred to as “damages.” Knowing what types of damages are available in personal injury cases is critical, to help ensure you recover compensation for your physical, emotional, and financial damages. The types of damages for which you can typically receive compensation in personal injury cases include: Property damage, Ambulance costs, Surgery expenses, Hospital stays, Prescription medications, Lost wages or loss of earning capacity, Pain and suffering, Disfigurement, and Mental anguish and emotional distress. If you have suffered any of the above damages due to the negligent actions of another, you may be able to recover compensation for some or all of your losses. An experienced personal injury attorney can help you assess your damages and fight to maximize your recovery. What to Do After a Personal Injury Accident in Birmingham If you have sustained injuries in an accident caused by the negligence of another party, contact a personal injury attorney today. Hiring an experienced attorney is one of the best steps you can take to get the compensation you need and deserve. The Birmingham injury attorneys at the Fob James Law Firm have been helping accident victims in need for years. We work each day to obtain justice for our clients, and we hope we can do the same for you. Contact our team today for your free case review and see how we can help.
Motorcycles are one of the most exciting and thrilling modes of transportation. However, they are also one of the most dangerous. Whether you are an avid motorcycle rider or someone looking to get your license, it is important to have a basic understanding of motorcycle laws and regulations so that you can stay safe. The motorcycle accident attorneys at the Fob James Law Firm have extensive experience helping motorcycle accident victims in need. Contact us today to learn more about how we can help you. Motorcycle Laws and Safety Requirements in Alabama: An Overview Before you get out on the road, it’s important to be familiar with relevant Alabama motorcycle laws and regulations. Do You Need a Motorcycle License in Alabama? A question that people frequently ask is, “Do you need a motorcycle license in Alabama?” The short answer is yes. Until recently, the state of Alabama did not require a special license in addition to a regular driver license) to operate a motorcycle. Now, however, you must obtain a Class M license. How to Get a Motorcycle License in Alabama The process of obtaining a motorcycle license in Alabama is relatively simple if you know where to start. To obtain a Class M motorcycle license in Alabama, you must: Be age 14 or above for a restricted Class M license, or age 16 or above for a non-restricted Class M license; Pass a motorcycle knowledge test designated by the Alabama Law Enforcement Agency; or Complete a motorcycle safety course offered by the Alabama Motorcycle Safety Program. Once you complete the requirements, you will be granted the same rights as a driver of any other vehicle on the road. Motorcycle Helmet Requirements Under Alabama law, you must wear a protective helmet while riding your motorcycle. Your helmet must: Be specifically designed for motorcycle rider and passenger use; Have a hard exterior shell of non-shatterable material; Have a firmly secured shock absorbent cradle for the head to support the helmet and maintain separation between the head and exterior shell; Contain impact-resistant, absorbent padding or cushioning material; and Have a permanently attached adjustable chin strap to hold the helmet in place, which the rider must have on at all times while the motorcycle is in motion. It is important to follow these requirements. Failure to comply with these regulations is not only dangerous, but also subjects you to a fine of up to $100 and up to 180 days in the county jail. What to Do After a Motorcycle Accident in Alabama If you have questions about your rights and responsibilities as a motorcyclist in Alabama, or if you have sustained injuries in a motorcycle accident, contact an attorney today. While hiring an attorney may not be the first thing on your mind after an accident, an experienced lawyer can be extremely beneficial to your case. Having an attorney in your corner can be crucial in your fight to get the compensation you need to recover, so don’t wait. The motorcycle attorneys at the Fob James Law Firm has been helping motorcyclists in Alabama for years, and we hope we can do the same for you. Contact us today, online or by phone at (205) 407-6009, to discuss your case and see how we can help.