May 13, 2008

Questions & Answers for Injured Victims in Missouri ~ Get the Advice of an Experienced Personal Injury Lawyer

I’ve never been injured in an accident before, what do I need to do?

You’ve made the right first step by looking to get advice from an experienced injury attorney. Getting good advice upfront will serve you well. David A. Payne is an attorney that can take care of virtually every aspect of your case. Please call now to get the help you need.

"David Payne is a lawyer that will fight for his clients & advocate for the injured!"

How much will it cost me to proceed with my claim if I hire a lawyer through mo-injurylaw.com?

If there is no money recovery, then you pay nothing. However, think about the cost of not hiring an experienced attorney and being re-victimized by the insurance company!

How much is a lawyer going to charge?

In all personal injury cases, David Payne Attorney will charge a contingency fee; a percentage of the recovery from the insurance company or other party responsible for you loss (typically 1/3). Fees vary depending on whether the case settles prior to lawsuit, or if a lawsuit must be filed. If you do not get a recovery, we do not collect any fees or costs. 12862326.jpg

Why would I need to file a lawsuit?

Any case where the insurance company does not offer adequate compensation to pay for your injuries and a "cost/benefit" analysts shows a greater likelihood of return by filing a lawsuit is a situation where a lawsuit should be considered. Each client has the sole and absolute discretion on whether to file a lawsuit.

If the insurance company makes an offer that is unacceptable to you, the only other remedy is to file a lawsuit and proceed. Again, the choice of filing the lawsuit rests with you.

April 12, 2008

Cassville Car Accident & Injury Lawyer ~ Tips for Hiring a Lawyer

Hiring a Lawyer David A. Payne Lawyer for Southwest Missouri Injury Law

How do I choose the personal injury lawyer that is right for me?

Ask about the experience and background of the lawyer. Ask with whom you will primarily be dealing with from the lawyer office. Ask how the lawyer will talk with you about the concerns of your case as the process moves forward from the initial conference. Will you meet with him personally when dealing with his office?

Ask the attorney about their experience in taking cases to trial. You want to hire an attorney that has experience taking the Insurance Companies to court.

You may think: I want to settle my personal injury case so what is wrong with an attorney that settles all of his cases instead of filing lawsuits and going to court? The problem with this approach is most insurance companies discount the lawyer's who only do this approach, they discount the claims this lawyer handles--leading to a lower and discounted settlement for you.

Most insurance companies keep track of lawyers' trial record by doing a computerized search based on the firm's taxpayer ID number. If your lawyer settles all personal injury cases, the insurance company knows that and it will be reflected in the pre-trial offer for your claim. So if your lawyer does not try personal injury cases, the insurance company knows they won't have to go to trial. Reactionary as the insurance industry is to documentation and data, they accordingly adjust their settlement offers to reflect and indicate how they assess the risk of your case to them per the data they have regarding the value of YOUR claim.

TRUST: If you don't have trust in you lawyer's complete ability to satisfactorily handle you claim; If you feel your expectations exceed the capabilities of your lawyer and/or any lawyer you are considering hiring; You should consider looking for another attorney with whom a greater trust can be established. Being served by a professional personal injury lawyer need not be a tedious relationship. The process of claims and litigation is far too aggravating in and of itself, your relationship with your lawyer need not be an additional burden.

April 10, 2008

Table Rock Lake & Cassville Injury Attorney ~ I've Got Answers

David Payne will work your case to get maximum recovery in a prompt fashion. We we take you case, it becomes our case and our worry. Let us help you and call David Payne Injury Attorney.

Cassville Injury Law Southwest Missouri Accident Attorney

Will I hurt the person I am suing by bringing a personal injury claim against them or their insurance?

This is an often asked question by our personal injury clients who deserve compensation for injuries but are afraid that they will do harm to the person who caused their injuries. Virtually all injury claims are handled by insurance company lawyers and paid by insurance, so the person (or company) will not have to pay any money out of their own pocket unless the circumstances are out of the ordinary. Clients often have control as to where our our office collects money.

Do I still have a claim against someone else's insurance if my medical bills were paid by my insurance?

Under the collateral source rule in Missouri, you are entitled to be compensated for your medical bills regardless of whether they have been paid your health insurance. The same logic holds true for lost wages and other losses.

How long will it take for me to receive a financial recovery in my case?

While a definitive answer who be nice here, there is no definite period of time in which a personal injury case will settle or go to trial. Every case has its very own unique set of facts. What we can promise: We will move your case forward towards settlement or verdict at trial in a manner that avoids any unnecessary delays.

Most cases settle and we need to wait until the patient has finished receiving medical care and treatment (or reached maximum medical improvement). We then order any and all remaining medical bills and underlying records from your health care providers. Then, we prepare and submit a demand package to the insurance company, letting them know what WE expect to resolve your claim. We usually receive an offer in a reasonable time period; if not we recommend filing a lawsuit.64588%2C1175074281%2C2.jpg

Again, we take great care to diligently pursue your case with vigor to eliminate any unnecessary delays in resolving your injury case promptly. Your case is our case! We will fight for you to get the highest possible recovery quickly.

We will do everything we can do to move your case forward.

April 9, 2008

Personal Injury Missouri ~ Attorney in Southwest Missouri

Missouri Injury Lawyer David Payne

"Put the Experience and Power of a Zealous Advocate to work for you and your family"

Many questions naturally come after you have been injured. The Missouri Injury Attorney Blog attempts to answer many of the questions for you. I hope you find the information helpful and please don't hesitate to call if I may be of further help and assistance. You don't have to hire an attorney to speak with one.

What is Assumption of the Risk?

In Missouri, if you have knowingly and voluntarily assumed the risk inherent in a particular action or inaction that causes an accident, you can have your claim denied or your damages greatly reduced. Defense lawyers in Missouri love to raise the assumption of the risk defense in any personal injury case they can. But the assumption of the risk defense is applicable in very few personal injury cases in Missouri.

I suffered personal injuries in a truck accident. Do your lawyers handle truck accident cases?

Yes, our lawyers handle personal injury cases involving truck & 18-Wheeler accidents.131473%2C1205836220%2C1.jpg There are some additional issues in truck accident cases, however, that lawyers need to be aware of when handling truck injury cases and I have experience in truck cases and have had success in truck accident lawsuits.

First, with respect to the investigation, there is more to consider in truck accident cases. For example, most big rig trucks carry "black boxes" that measure various parameters that can assist the lawyer (possibly a truck accident reconstruction expert) in determining how the accident occurred. Also, there are extensive federal regulation applicable to the trucking industry and a complex set of regulations that cover the operation and maintenance of these commercial trucks. This gives a plaintiffs' lawyer a ton of helpful information about the truck driver and his vehicle that is typically not available in most car accident cases.

There are also many different legal considerations lawyers must explore in truck accident cases. The truck driver may have violated a specific statute or regulation with respect to the kind of cargo he was carrying? How long he had been driving the day of the accident, and the days leading up to the accident? A lawyer must also consider whether the company that hired the driver may also be responsible under the theory of negligent entrustment or negligent supervision if they failed to properly screen the truck driver during the hiring process or if they failed to properly train the truck driver.

You would be amazed at how many drivers, particularly big rig trucks, are improperly trained or have horrific driving records. A claim for negligent maintenance, a related legal theory lawyers pursue in truck accident cases when the company and/or truck driver failed to properly maintain the truck can also be pursued by a skilled lawyer.

Can you recommend a local doctor to treat me for my injuries?

Yes, we can. Our preference is that clients seek treatment from their existing health care providers (or request a referral). However, if you do not have a doctor or your provider requires payment upfront, we can provide you with a list of quality health care providers who will not require payment until after the resolution of your case.

I am feeling quite a bit better, but I am still hurting, should I continue to receive medical treatment for my injuries?

This is a medical question and not one for your attorney. But as your attorney I always advise that my client's follow the advice of the doctors they trust. That is your decision to make after consultation with your health care providers. In getting treatment for the injuries from your auto accident, you must focus on your health, not the legal consequences.


April 3, 2008

Branson West Car Accident Lawyer ~ Even More Questions That Bother Them SO

Monett Injury Law Aurora Car Accident Attorney Cassville Auto Insurance Claim

Okay, I've hired an attorney, now what? How is a decision made regarding whether to accept a settlement offer out-of-court or go to trial?

You will meet with our personal injury lawyers to discuss together what would be best for you and your family. Any attorney worth his salt will not to make the decision for you, but to assist you and help to evaluate the offer and provide the information to you, based on our attorneys' years of experience handling personal injury cases in Missouri.

What is the process the insurance company and the insurance adjuster will use when deciding how much money to offer, at least initially? What is the criteria they use to make in its initial offer?

Most insurance companies major insurance providers in Missouri use computer software to determine the value of auto and truck accident cases. Yes, a COMPUTER! The most prolific is one used is Colossusand this computer program values accident cases for insurance companies. Colossus is believed to be used by more than 50 percent of the nation's claims insurance adjusters. 4999%2C1206336071%2C1.jpg
Many of the other insurance companies who don't use Colossus, use a similar program. These programs are designed to minimize the risk of the insurance company and pad their bottom line.

What attorneys must do is provided the best and most DOCUMENTATION to the adjuster so the the adjuster can then feed the monster, Colossus, with the info it needs to spit out a higher number than it would have otherwise.

Essentially, the insurance company inputs the data it receives: relevant medical records, proof of lost wages, the severity of the accident, and where the accident occurred--all based on documentation provided to the adjuster, most of which comes from your attorney.

The computer might give a higher value for a case in Greene County or Jackson County than it would, for example, for the same case in Ozark County or Dade County. It also inputs the taxpayer ID number of your personal injury lawyer which determines if your accident lawyer has a history of taking cases to verdict in Missouri or whether they simply settle all of their cases. Colossus looks to your injuries as described in your medical records, even the way you doctors and health care providers "code" you injuries has a great way of adversely manipulating the monster the Colossus is. One of the most important questions is regarding permanency of your injuries--if proven, permanent injuries have great value to Colossus. Colossus also gives higher values for objective injuries measured by diagnostic testing rather than soft tissue injuries which often involve subjective medical findings

This Colossus calculator does give value for muscle spasm (Colossus gives particular weight in cases without a defined objective injury), restriction on movement, radiating pain, anxiety and/or depression, headaches, dizziness, and any visual disturbance. Colossus also gives higher value to cases where the patient went to the hospital for initial treatment of the injuries.

Colossus then generates a range of settlement values for that case. The problem with Colossus : it does not grasp the complexity of human beings and allow for subjective information. There is no computer program that can ascertain the specific value of a person's pain and suffering, how an injury really impacted a person's daily and future life. There is no way a computer can answer this question.

This is why your attorney must adequately and persuasively articulate why your injures are different. Prepare fight and file a lawsuit, if needed. When your accident lawyer files a lawsuit, sometimes the insurance companies do give a second look to the real trial value of the case, particularly when they know that the accident lawyers handling the case are willing to go to trial.


April 2, 2008

Republic Missouri Car Accident Attorney ~ Herniated Disc from Auto Crash

David Payne is an experienced auto injury lawyer and understands that help is needed at just about every corner for client's to understand the process. Part of that help is giving resource to the client about what is know about their diagnoses. Below is some info a common injury from a car wreck or any injury.

Call David Payne for a prompt and free phone consultation. No Fee, Unless YOU win!!

My doctors have told me I have a herniated disc--What is a herniated disc?

Spinal discs are round cushions that lie in between the vertebrae of the spinal column-we all have them. These discs basically act like little shock absorbers between the vertebrae, cushioning them when we contort our bodies. These discs consist of both an external shell and a liquid substance in the middle. A metaphor often used with juries in personal injury cases is that the discs are like jelly donuts.

If a disc is injured from trauma during an auto accident, the "jelly" may, and often does, leak out of the disc. If the inner core of the disc extrudes back into the spinal canal, it may impact a nerve root and that is where the pain comes in. The weak spot in a disc is directly under the nerve root and a herniated disc can put great pressure on the nerve, which can cause great pain to radiate throughout the whole body.

Where exactly the pain radiates to depends on where the disc herniation occurs. When a patient has a symptomatic herniated disc, the pain is not felt in the disc area; rather, the disc herniation is pinching a nerve in the spine that causes 'radicular' pain. This radicular pain is typically described as a pain that shoots through the body, usually to one area in particular.

Each nerve in the spine is connected to a particular area of the body. This pain can be nerve root pain, or even leg pain if the herniation is in the lumbar (back), or yet still arm pain from a cervical (neck) herniated disc.

A herniated disc is rarely diagnosed in the ER after an auto crash. This is because the disc is invisible on an x-ray and a patient typically needs a CT scan or MRI test so that a physician can pick up a disc herniation. A discography, myelography, or an electromyography are sometimes also used to diagnose herniated discs.

However, even is diagnosed with a herniated disc, it is worth noting that most experts agree that these diagnostic tests cannot diagnose the injury victim's pain. There is no clear cut correlation between the degree of the herniation and the patient pain symptoms.

What is a herniated disc case worth by settlement or at trial?

Sorry, I can't give a definitive answer. The answer, naturally, is that it depends on the injury and overall facts and circumstances of the case. Some herniated disc injuries leave a patient in constant pain for the rest of their lives. Some try traction, steroid injections, therapy and surgery and still find themselves in pain that will last a lifetime. 169471%2C1205708232%2C1.jpg


The more complicated cases involve preexisting injuries of the victim. A favorite tactic of lawyers defending personal injury cases on behalf of the insurance companies involving herniated discs is pointing the finger at preexisting degenerative problems with a patient's spine, such as spinal stenosis, osteoarthritis, and spondylolisthesis. Most of these are conditions that begin in many people in their early 30s and are not related to trauma and often accompanied with pain of any kind.

Therefore, it must be established that the patient's problems are not due to the degenerative condition, but to the trauma sustained in the accident.

All of this begs the question of what happens when a person has a preexisting herniated disc or some type of degenerative changes and was asymptomatic (without symptoms) before the accident.

If you have either one of these issues, you and your attorney must be able to clearly articulate the difference between your problems and treatment before the auto accident and your current condition. If there is no difference in your condition after the accident, your chances of a substantial recovery may very well diminish dramatically. On the other hand, if there is a notable difference in your way of life after the accident that would not have occurred in the absence of the auto accident, your chance of a quality settlement will likely increases dramatically.

Call David Payne for more information and advice from a local personal injury attorney in Missouri.

April 1, 2008

Branson Car Wreck Law~Questions Answered

"David Payne and the lawyers at Cardin & Payne are ready to talk with you about your car wreck."

~Nixa, Ozark, Republic, Aurora, Monett, Cassville, Mt. Vernon are all areas in which David Payne takes cases~


Will I have to go to court to recover money? What about an out-of-court settlement?

If there is no settlement offer, obviously you must either go to trial or get nothing. In most all cases, the choice is yours because there will be a settlement offer on the table. Because I carefully screen personal injury cases and because I have a reputation with insurance companies for getting excellent recoveries for my clients, the vast majority of our clients receive reasonable offers to settle before trial. Because of the factors involved, it is virtually impossible to predict whether your particular case is one that will be settled or one which must be decided by in court by a jury.

How much of my time after I hire a lawyer will my matter take before I get results?

Surprisingly, most personal injury claims will not require a great deal of time from the client, unless it goes all the way to trial and then, your time will be greater. After the initial interview, your lawyer will do almost all of the work for you regarding the claim, but not all the work. Your problems become the concerns the attorney you hire. Your job is to recover and heal from your injuries from the accident if you have not already done so. The final trial preparation process will require more of a time commitment from you if your injuries are substantial and/or complex.

How much money is my case worth? What is the value of my case?

Predicting the trial value of any Missouri personal injury case is almost impossible. There are too many factors that can affect the value of a case to speculate with any certain degree of accuracy. Your attorney can only give you a very general idea of the value of your case based on cases he/she has handled with similar injuries and will not be able to predict the specific amount of recovery. With all that said, I should be able to provide a general settlement range that can reasonably be expected after review of your personal injury case.

In 2005, a company that analyzes nationwide jury verdicts in personal injury cases did a study that found that the nationwide median jury award in a personal injury case was $38,461 and the nationwide plaintiff recovery probability was 55 percent. However, Missouri personal injury cases resulted in a lower average award.

What if I am hit by a driver who flees the scene of the accident?

In Missouri, if you suffer injuries from the negligence of a hit-and-run driver, you may still be able to recover for your lost wages, medical bills, and pain and suffering as if you knew the identity of the driver by bringing a claim under your own insurance policy's uninsured motorist provision. The law treats that phantom vehicle as an uninsured driver and you recover under your own insurance policy that was put in place to cover such instances. 13653921.jpg

How long do I have to bring a case? Can I sit back and wait and decide what to do?

You must file your case within the Missouri Statute of Limitations, a fixed period of time dictated by the law. It is imperative that you call an experienced Missouri lawyer for an explanation of these time limits, always consult with a lawyer experienced in these matters.

Call David A. Payne at 417 847 7516 or get a hold of him online and you will speak with an experience injury attorney.

March 31, 2008

Cassville Injury Lawyer ~ Questions That Bother Them So

~David Payne is only a phone call or an email away by visiting mo-injurylaw.com. David Payne is an experienced lawyer who handles car accident and personal injury cases all over the Ozarks including Springfield, Branson, Monett, Joplin, Nixa, Ozark, Republic, Mt. Vernon, Aurora, Neosho~

How do I hire David Payne to represent me?

In Missouri, under what circumstance am I able to recover damages as a result of an accident?

To get money as a result of an accident, you must have suffered an injury to your person (body)or property as the result of someone else's negligence. In other words, the person or company who caused the harm must be at fault for your injuries.

If I was injured due to the fault of someone else, how are my money damages calculated?

There three primary categories: medical bills, lost wages, and pain and suffering (almost always the largest component). In cases where an injury is such the injured person must be retrained for a new job, the costs associated with the retraining are also recoverable. You will also be compensated for an permamant injury and any known future medical cost. This money is intended to restore your loss and is not taxable.

What is meant by personal injury? What kind of cases does this include?

"Personal injury" is a broad term that means any kind of accident that leads to bodily injury. David A. Payne is a personal injury attorney. I am a lawyer who represents personal injury clients who have suffered a serious injury in an auto accident, motorcycle accident, truck accident, or as the result of other injuries or circumstances where a money recovery is needed provide some form of justice. By dealing with these specific types of personal injury cases, it allows me experience in knowing the nuances of the laws governing personal injury cases and motor vehicle insurance in Missouri.

What are some vehicle insurance policies that provide coverage in addition to simple liability coverage? What is meant by uninsured/underinsured motorist coverage and do I have these coverages?

In Missouri, uninsured/underinsured motorist coverage applies in two general situations: (1) Uninsured: the at-fault driver has no liability insurance, and (2) Underinsured: where the at-fault driver has insufficient liability insurance policy limits. 87106%2C1189295244%2C1.jpg
Uninsured/underinsured motorist coverage is insurance coverage that covers your accident just as your liability insurance provides compensation for the people that you might injure through your driving. This coverage might also extends to family members who live with you and/or to anyone injured in your vehicle.