Personal Injury

Personal Injury

Legally, a personal injury is an injury to your body, mind or emotions, not damage to physical property. It covers physical harm, such as broken bones, bruises or any serious injury suffered in an accident. It also includes the emotional and psychological injury that can follow a humiliating or life-threatening experience.

A personal injury case arises from someone else’s negligence. If you were injured through the fault of another person or business, that person or business is legally responsible for paying damages and/or compensation.

When should you get legal help?

Insurance companies try to settle personal injury claims as quickly and cheaply as possible. They are in the business of making money and holding on to it, so they don’t like paying claims.

Their tactics are often summed up as delay, deny and defend. They will likely deny that their insured caused the accident. They may delay payment as long as possible, hoping you will be desperate enough to take the first offer, which is rarely their best. You are not their client, and their interest is protecting their client. They may challenge every part of your claim, even your injuries, and may force you to go to trial, which can be long and expensive.

If your case involves complex issues, such as significant injuries, it is usually wise to hire an attorney. An attorney knows how to handle complex liability questions and complicated medical opinions, understands the tactics insurance carriers use, and can protect your interests throughout the process.

If you have a personal injury case, you can only make a well-informed decision about how to proceed after discussing it with an experienced attorney.

The Law Offices of Raymond A. Raya, Esq.
Monmouth County Lawyer
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