You Can Find A Lawyer That Helps
Though nobody likes to entertain the thought of needing an attorney, it is an unfortunate fact that most people will need the services of a legal professional at least once in their lifetime. As the world gets more complicated, this possibility increases. Rather than waiting until an emergency arises, establish a relationship with an attorney now. Read some tips here on how to do that.
A great tip if you're thinking about hiring a lawyer is to make sure the lawyer you select answers all of the questions that you have. You don't want to pick a lawyer who can't give you a straight answer because you'll be left in the dark and won't know what's going on.
When you are hiring a lawyer, make sure that there is a discussion about the payment plan that you want to instill. Sometimes, you may not have all of the money upfront, so you will want to workout a monthly plan that suits you comfortably. Get this done ahead of time so you don't have to worry about it later.
One thing that is very important when selecting a lawyer is ease of access. One of the most common complaints people have about lawyers is being unable to get in touch. You shouldn't get stuck wondering what's going on with your case just because you have a lawyer that's on vacation.
You should establish a budget before you start looking for a lawyer. Go over your finances and assess how much you can afford to spend on a lawyer. You should not let lawyers know about your budget when you ask for quotes but this is a good way to narrow down your research.
During a meeting with a prospective attorney, do not hesitate to ask as many questions as possible. When you consult with them initially, they need to be able and willing to answer the questions you ask them. They have the knowledge, so you can run anything by them. If they are unwilling to do that, just walk away because they are wrong for you.
Make it clear up front that you would like your legal fee agreement in writing from your lawyer. This will help you avoid the surprise of an unexpectedly high bill. Make sure that all expenses and fees are itemized, so that you'll have a clear understanding of what exactly you are paying for.
Make sure you are comfortable with your lawyer. Take everything into consideration, from how you feel when you first meet him to his level of expertise and knowledge. If you don't feel comfortable, look for another lawyer.
Do not underestimate the importance of your lawyer's personality. An aggressive lawyer can be an advantage but an experienced and confident lawyer could help you win your case too. You should meet with different lawyer and find one who has the kind of personality and philosophy you need for your case.
Trust your first impressions of your lawyer. If a lawyer does not seem trustworthy or works too hard to convince you to file a lawsuit, you should not hire them. You should find a lawyer who makes you feel comfortable, takes the time to explain things and clearly has your best interest in mind.
Ask a prospective lawyer when they are available to answer your calls or respond to your needs. Your needs may vary, depending on your circumstances,so you want to be sure that your lawyer's standards meet those needs. Just because one lawyer only works during the day does not mean that there are not great lawyers that are available any time of the day.
Before you hire a lawyer to take your case, make sure that you look into their credentials. Inquire what law school they graduated from and the states that they took the bar in. This will determine where they are allowed to practice law. You can also look into previous cases that they have won or lost.
If you cannot afford a lawyer, consider representing yourself. Find a lawyer who is willing to help you prepare a good defense and give use some useful advice. Some lawyers will help you build a solid defense and bill you for a the few hours they spent working with you.
After getting a recommendation for a lawyer, try setting up a brief meeting with them. Once you act on a recommendation, you will need to meet your potential lawyer face-to-face. Many offer free first-time consultations, so this is the perfect opportunity to interview them. You should ask them tough questions, have them describe past cases they've worked on, and see a list of previous clients.
If you are getting a divorce, and the details do not involve child custody or complicated details, consider settling out of court. If the divorce is simple and nothing is being contested, an out of court agreement can be drawn up by an attorney. The agreement only needs to be finalized by a judge with no legal representation by either party required.
The first step in choosing a lawyer is making detailed notes about your case. Include a chronology of events, any evidence you have in hand like receipts or photographs, names and contact information for witnesses (both those who will support you and those who will not). This will help your lawyers gauge your case.
Don't be afraid to let go of an attorney that you are dissatisfied with. If they aren't doing the work that they promised, or you expected, it is absolutely okay to move on. You may even know more about what you need the second time around, so hiring another lawyer shouldn't be as difficult as it was initially.
Tell your lawyer the truth about everything. The worst thing that you can do is lie to your lawyer about the details of the case. He needs to know the truth so that he can best argue your case without coming across surprises. In the end, lying will only hurt you, so tell the truth.
Know how you will be charged ahead of time. Different lawyers have different methods for billing clients. Some more info have a flat rate, while others are based upon a percentage of potential court winnings. You should also take into account whether the percentage comes before or after court fees. Other expenses you may run into include expert witnesses, transportation, and office fees such as printing or copying.
Instead of becoming a victim who must pay high bills for little quality service, do your homework and find a reliable lawyer. You can easily find someone that will help you in the courtroom. Remember these tips next time you find yourself in a sticky situation, so you can come out on top!
Auto insurers play hardball in minor-crash claims
Profitable strategy
The cases, CNN found, illustrate a carefully developed strategy to make the victims look like they are trying to defraud the insurers.
But documents CNN obtained indicate profit, not fraud, is the reason companies decided to play hardball in small accidents.
For Allstate and State Farm, according to documents obtained by CNN, the strategy was developed in the mid-1990s with the assistance of consulting giant McKinsey & Co.
Looking for a way to boost profits, McKinsey focused on soft-tissue injuries incurred in minor crashes.
While the McKinsey documents -- numbered in the thousands -- are under seal in courts around the country, CNN saw several of them during a court hearing in Lexington, Kentucky.
Playing off Allstate's signature slogan, one document recommends the insurer put boxing gloves on its "good hands" for those who insist on going to court.
The strategy, according to former Allstate and State Farm employee Jim Mathis, relies on the three D's -- denying a claim, delaying settlement of the claim and defending against the claim in court.
"The profits are good, and as long as the community, the public allows this to occur, the insurance companies will get richer and people ... will not get a fair and reasonable settlement," Mathis said.
Both Allstate and State Farm declined requests for interviews.
In an e-mail, Allstate wrote it did not believe it would "have any real opportunity of being successful in getting you (CNN) to do a balanced report."
State Farm wrote: "We take customer service seriously and seek to pay what we owe, promptly, courteously and efficiently, and we handle each claim on its own merits."
The company also said, "Any attempt to generalize that State Farm adopted consultant recommendations as other insurers is just plain wrong."
A company spokesman sent an additional e-mail, saying that the company did work with McKinsey to improve claims handling but State Farm stopped using the McKinsey program in 1999.
Robert Hartwig, president of the Insurance Information Institute, told CNN insurers do not have a strategy of blanket denial of claims. He also said strategies to limit expenditures on minor-impact crashes are needed to fight fraud.
Hartwig specifically singled out lawyers who he claims make a living on car accident victims, saying those lawyers are upset because "the gravy train is over."