Common Car Accident Questions and Answers


By Attorney Terrence M. Polich

If you have been in an accident, you have questions.  As experienced personal injury attorneys, we have the answers.  

1. I don’t know if I have a case, do I have to pay you to find out?  

One of the first questions I often hear from potential clients is do I have to pay you just to talk to you about my accident case?  The answer at Lawton & Cates is an emphatic, “No!”  We don’t charge for initial consultations and if you hire us to handle your claim there is no fee unless you win.  

2. What should I do about my vehicle damage claim from the accident?  

Typically, most people are able to handle their property damage claim without our involvement.  However, as part of our services we can advise you on your property damage claim and help make sure you get the most possible from the insurance company.  We typically do not charge an attorney fee on the vehicle damage portion of any verdict or settlement. Learn more by visiting our page that discusses our personal injury lawyers in Madison.

3. Who is going to pay for my medical bills while I heal?  

One of the important services we perform in your injury case is helping you determine how your medical bills can and should be paid.  If you have health insurance, medical payments coverage (“Med-Pay”), Medicare, Medicaid, BadgerCare or are uninsured, we can help you determine what is the best way to proceed.  We also make sure that in cases involving subrogation liens or hospital liens, that they are valid or can be reduced or eliminated according to the applicable law.   

If you are uninsured, we can help you keep the creditors at bay while we prosecute your injury claim.  

4. Should I talk to the bodily injury insurance adjuster for the driver who hit me?  

We advise people not to talk to the insurance adjuster for the driver who hit you.  The insurance adjuster’s goal is to resolve claims as favorably as possible for the insurance company, not for you.  Whenever you talk to them, the adjuster is taking notes and sometimes recording the conversation.  Anything you say can come back to haunt you later if your case goes to trial.  And you can bet the adjuster will put the most favorable spin for the insurance company on whatever you say.  

They will also try to get a medical authorization from you allowing them to get all of your medical records since birth.  They do this so they can begin constructing pre-existing condition defenses and prior injury defenses.  Don’t fall for it.  If they want your pre-existing medical records, it means they are building a defense, not trying to settle your case in good faith.  

We never charge you for a consultation at our law firm in Madison Wisconsin, so if you have more questions, simply give me a call.  After practicing personal injury law for over twenty years, I am sure we can help.  

Attorney Terrence M. Polich is an attorney at Lawton & Cates. Attorney Polich is an experienced trial lawyer, specializing in auto accident, motorcycle accident, bicycle accident and other injury cases.