Personal Injury

Personal Injury

The legal definition of a personal injury is an injury to your body, mind or emotions.  It is not an injury to physical property.  Personal injury covers physical harm, such as broken bones, bruises, or any serious injury sustained in an accident.  It also includes the emotional and psychological injury you experienced as a result of trauma sustained through a humiliating or life-threatening experience.

A personal injury case arises as a result of someone else’s negligence.  If you were the victim of an accidental personal injury caused through the fault of another, that individual or business is legally responsible to pay damages and/or compensation.

When to Seek Legal Help?

Insurance companies try to settle personal injury claims as quickly and economically possible.  They are in the business of making money and holding onto it as long as possible so they can invest it and earn more money.  They don’t like to pay claims as this takes the cash out of their pockets.

The tactics they use can best be defined as delay, deny and defend.  They will most likely deny that the accident is the fault of their insured client.  They will delay giving you money for as long as possible hoping that you’ll be desperate enough to take the initial settlement offer.  It is highly unlikely that the insurance company will provide you with their best offer first.  You are not their client and their vested interest lies in protecting their client.  They will defend any claim you make, even negating your injuries and may force you to go to trial, which can be a long and expensive process.

If your case involves intricate issues, such as significant injuries, then it is usually prudent to hire an attorney.  The attorney will know how to deal with complex liability issues or complicated medical opinions.  They will also be familiar with the tactics used by the insurance carrier and will be able to protect their client.  Ultimately, that combined knowledge and expertise will result in a better outcome.

If you have a personal injury case, you can only make a well-informed decision about how to proceed after discussing your case with an attorney with the appropriate experience. If you would like to speak with me, call 1-732-845-3203 or e-mail Ray at to set up a consultation..

The Law Offices of Raymond A. Raya, Esq.

Monmouth County Lawyer

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