Obtaining Medical Records after a Motorcycle Accident Personal Injury for Negotiation with the Insurance Company

After any kind of accident or injury involving either a lawsuit or insurance company, you will need copies of your medical records. Medical records help establish the facts of the case and are one of the basic metrics used to determine damages or compensation from a Denver motorcycle injury.

In our adversarial legal system, people and companies usually will not pay unless they have to, regardless of fault. So the first thing that medical records do is establish that an injury or condition was caused by the car accident. If you do not have a Denver personal injury lawyer, unscrupulous insurance adjusters may try and claim that your injuries were pre-existing. As the claimant, you do have the burden to prove your case against any attacks.

Of course you may also need to know how to access and distribute your records if your injury requires the attention of a specialist.

Outside of motorcycle injuries, medical malpractice suits usually revolve around medical records, which may mean the doctor is loath to give them up. However you do have the right to access all of your records because of a piece of legislation called the Federal Health Information Portability and Accountability Act. Generally, the act states that you have access to your own records, or someone else's if you are their representative or guardian. Executors of estates also have access to the deceased party's records. You also may ask for the records if you are related to the deceased and their disease history may shed light on your own problems.

There are a few exceptions to the records you are allowed to access. Usually these are not important for your Denver injury lawyer unless your case is related to psychotherapy or could endanger you. The law requires the medical provider to give you records within 30 days, or give a written reason for delays. Of course some state laws give patients more rights. Colorado injury patient laws are a little stricter. If you need the records and the hospital will not release them, you may need to hire a lawyer. This usually only happens when there is a pending medical malpractice lawsuit.

The doctor or hospital is allowed to charge you a reasonable fee for the records, and sometimes the records are not complete if they consist of several different specialists. You may have to file requests to each doctor to get your full medical history. It is always best to have as complete a medical history as possible before going to court as a car accident victim.

Insurance Adjusters in Motorcycle Accident Claims

In any injury claim - whether it be negligence, car accident or workplace related - dealing with the insurance company is the most critical step you have to take before going to court. All injury cases are serious, but the high speeds at which motorcyclists ride often cause crashes and injuries that cannot be paid for without insurance help.

It is the insurance company's job to make money and therefore they are loath to pay most claims. They are required by law to pay for any of their insuree's accidents if they were deemed negligent in a Denver motorcycle crash. The expenses that must be paid are: all medical expenses, lost work and income, physical rehabilitation or permanent disabilities, property damage, and the social and emotional losses from the accident.

The last two - social and emotional effects are not as easy to add up as simple property damage and medical bills. So insurance companies use a kind of formula where they multiply the normal damages by a factor to get the number that includes pain and emotional trauma. The usual range is around 1.5x to 5x the normal damages depending on the type of injury. So one of the most important jobs for a Denver injury lawyer is to get that multiplier up as high as possible.

The insurance adjuster takes the formula - general expenses times a multiplier plus lost income to get a starting number. This is the number your Denver motorcycle attorney must show is as much the other person's fault as possible. The process is not over because this number is often negotiated. Then the number is reduced by comparative liability to whatever amount the negligent person was liable for.

Negligence for another's Motorcycle Accident

In most injury or accident cases, the key to the case is proving negligence. If you can show that you did not behave in a risky or negligent way, you have a good chance of winning. There are some situations where car and motorcycle accident liability can be assigned to someone who was not even in the car at the time.

The most common situation where someone who is not at the scene of a Denver motorcycle accident is still sued is when one of their employees was involved in the accident. Case law has ruled that employers have a duty to not let their employees drive if they know them to be in a dangerous state.

The employee must be on the clock or performing a job duty. Denver motorcycle lawyers have successfully argued that a drunk employee allowed to drive home was also the responsibility of his employer. In these situations of vicarious liability, one party is liable for the conduct of the other. So a motorcycle delivery company is liable for their deliveryman.

Some state laws also hold vehicle owners liable for the actions of anyone in their car. Let's say you let your friend drive your car and he crosses state lines, gets into an accident and needs to hire a Denver accident lawyer. In some states, as soon as you give someone permission to drive your car you become another party to any accident claims. Stolen cars are different of course.

Well, experience has taught us that children driving is an accident waiting to happen - and that accident can easily result in a lawsuit against the parents. Allowing a minor or anyone else that they know is incompetent they are eligible for suit under negligent entrustment.

In states where minors can get driver's licenses, the parents my be responsible for any negligent driving when they sign the waiver granting the license. Other incompetent drivers in negligent entrustment are drunk, sick, or you know for some reason they would be reckless. A personal injury lawyer is the first person you should talk to if you have any problems from reckless motorcycle driving.