Auto Accident First Steps

Wednesday, October 29, 2014

Family Of Woman Paralyzed In Auto Accident Sues Driver Who Left Scene

When Philip Cho offered Kelsey Ibach and her friends a ride outside a River North nightclub, they accepted what they thought was a kind offer.  Minutes later, allegedly drunk and driving over the speed limit, he crashed the vehicle and left the scene, abandoning his seriously injured passengers.

Ibach, 25 years old, is now paralyzed from the waist down, confined to a wheelchair, and in need of intensive rehab.  Her family is suing Cho and the two nightclubs he visited before the accident.  They have also sued Cho's employer, an entertainment company.

According to reports, the speeding, intoxicated driver plunged his 2008 BMW through a fence and into a ditch below the road, where it landed on its roof.  He then failed to summon help before fleeing the scene of the accident.  A passing motorist found the wreck with two of its dazed passengers outside.  One had a severed thumb and another was later found to have broken vertebrae.  The most seriously injured, Ibach, was inside, trapped in the back seat, with broken ribs, a punctured lung, a blood clot on her brain, and a crushed spine and pelvis. 

According to one report, he allegedly told the injured passengers to tell police he had been carjacked.  When they pleaded with him to call an ambulance, he ignored them.

Cho is reported to have taken a cab to a location far from the scene.  He was charged with failure to report an accident and other traffic offenses.  He is currently out on bail, with a bond set at $200,000. 

Ibach was a journalism student at the University of Michigan.  Her friends have been raising money to help pay her medical bills, while she hopes to regain feeling in her legs and walk again.

Victims of any accident deserve compensation, particularly those involving reckless and wanton conduct.  If you have been injured by the negligence or wrongdoing of others, you are entitled to seek damages for your injury, rehab expenses, and other costs.  The experienced personal injury attorneys at Ryan, Ryan & Landa have successfully represented clients in all types of automobile accident cases.  For a free case consultation, call (847)416-1989 today.

Friday, October 3, 2014

Auto Accident

Individuals harmed in automobile accidents will often find themselves receiving phone calls from both the at-fault driver's insurance company as well as their own insurer.  The temptation for any injured party is to explain the facts of the accident, the current status of their injuries, and try to provide relevant information to the callers.  To put it bluntly, don't do it.

Liability adjusters from insurance companies solely want auto accident victims to make admissions that will harm their ability to establish both liability and damages.  For example, getting an injured person to say they are "ok" in the immediate aftermath of an accident will later be used as evidence that problems which arose after this statement are either faked or not related to the accident itself. 

Furthermore, it is always important to keep in mind that talking to your own insurance company is not a good idea.  In the event you were injured by a driver with minimum insurance coverage, you will ultimately proceed against your own underinsured motorist coverage (and insurance company) to secure a recovery.  Your insurance company knows this and knows it is adverse to you.  

Be smart.  Contact an attorney to protect your rights and speak for you.   


Thursday, September 25, 2014

Uninsured / Underinsured Motorist Coverage

The following scenarios are very commonplace.  You or a loved one is seriously injured in an automobile accident where the at-fault driver has only state minimum insurance coverage.  Alternatively, perhaps the incident occurs where a hit and run driver causes the collision and flees the scene.  Far too many people believe that they have no recourse in these instances. 

 In fact, the answer is oftentimes just the opposite.  Drivers routinely purchase uninsured-underinsured (UM-UIM) motorist coverage as a part of their automobile insurance policies.  What this does practically is provide you a remedy in each of the aforementioned scenarios.  

Specifically, if the individual who caused your injuries does not have sufficient insurance coverage to compensate you, then you can make a claim against your insurance company on your underinsured motorist coverage.  Similarly, if the individual who caused your injuries has no insurance or flees the accident scene, you can make a claim against your own insurance company on your uninsured motorist coverage. 

It is vital that all drivers understand that these means of recovery are available and that you pay insurance premiums to your insurer so that they can be used when necessary.  



Monday, May 19, 2014

Injured in auto accident - what should I do?

The most common mistake individuals harmed in auto and motor vehicle accidents make is believing that the insurance company of the driver that hit them, as well as their own insurer, are out to protect their interests.

Insurance companies have very specific goals following this type of occurrence: to negate your ability to prove liability; to confirm you are not hurt (before you may truly know one way or the other); and to devalue your potential claim.  This includes your own insurance company, which will be adverse to you if you have an uninsured (UM) or underinsured (UIM) motorist claim.  For people injured by a hit and run driver or who are harmed by someone with state minimum coverage, this will likely be the case. 

If you are injured in an auto accident you should first immediately seek medical help.  This ensures you receive all necessary care and also documents your injuries right away.  Be sure to document your injuries with photographs and videotapes that will illustrate the immediate consequences of your accident.  Avoid giving statements to any insurer regarding the facts of your accident or your injuries.  Instead, contact a lawyer who is experienced with representing injured victims and can begin protecting your rights.

At Ryan, Ryan & Landa, we are experienced in dealing with insurance companies on behalf of injured victims and achieving maximum possible recovery.  We can and will protect your rights.  Please contact us today.



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