Brian Robert Murphy is an award winning car accident attorney here to help you. Unfortunately, a car accident can happen at any time. In Rock Hill, car accidents happen many times every day. With more and more vehicles on the road, car accidents are increasing. Additionally, aggressive drivers, cell phone distracted drivers, and drunk drivers are causing mayhem on our streets. 

After being injured in a car accident, many people don't know where to turn. Medical bills pile up. Insurance adjusters make unreasonable demands. Lost wages mean getting behind on bills.

You are not alone. Our law firm can help you recover the money you deserve. Call us to see how we can help maximize your settlement.

A Rock Hill Personal Injury Lawyer Can Battle the Insurance Companies

Insurance companies are notorious for deploying any trick, trap, or cheat to pay car accident victims less money. What’s worse, they imbed these cheats into software programs that result in lower payments. Don’t take my word for it. The former guru for Allstate’s software program admits that these programs were tuned to “generally ‘lower settlement values’ and increase [the company’s] profits.” [1] That guru has detailed how insurance companies can lower settlement values, including requiring “adjusters with no formal medical education or credentials to second-guess medical professionals by altering significant details of medical reports and selecting injury codes that yield lower recommended settlement values.” [2]

This report makes it clear that the insurance companies can ignore your doctor and make up details of your injuries to pay you less. Although the law is clear, these insurance companies ignore it and pressure injured people to take less than the law allows. Unfortunately, many injured people don’t know or don’t understand the rules of combat.

Make no doubt that you are in the middle of a big battle. Insurance companies hire platoons of adjusters, investigators, and lawyers to fight for their interests. Additionally, they have expensive and fancy software systems that scrutinize and analyze your medical bills and injuries. The result is lower payments for valid claims. When injured people don’t understand the rules of the battle, they get cheated out of money they deserve.

How a Rock Hill Car Accident Attorney Can Help You After a Car Accident

We’ve seen countless adjusters try and cheat injured people after a Rock Hill car accident. Insurance company adjusters will attempt to pay victims less by refusing the add up the total amount of medical bills, using health insurance rates for bills, or claiming that an injury couldn’t have happened in this type of crash.

Our lawyers know how to fight with the insurance companies for full compensation after a Rock Hill car accident. Full compensation means the full amount of your medical bills – according the law. Applying the law to each individual situation can be tricky. The Law Offices of Brian Robert Murphy, LLC are trained to apply the law of South Carolina to each of our clients’ unique circumstances.

Don’t Bring a Knife to a Gunfight – Get a Battle Plan

An injured person must arm themselves with the law to do battle with the insurance company after a car accident. Negotiating without understanding the law of injuries is like bringing a knife to a gunfight.

When you fall for the insurance company’s tricks, traps, and cheats, you can leave hundreds, if not thousands of dollars on the table. Worse, you might not even have enough money to pay back your medical bills.

Our Rock Hill Car Accident Lawyer Can Help You Get Medical Treatment

Most of our clients have never been in an automobile accident before. While they may have a primary care doctor, many of our past clients have told us that their doctors refused to see them after an automobile accident.

Our experienced team of attorneys and paralegals can help guide you to the medical professionals that can and will treat injured people after a car accident. While some of our clients have health insurance that will pay for treatment, other clients have no access to health insurance. We have access to medical providers like physical therapists, orthopedic doctors, and chiropractors who will help injured victims with little or no up-front payment.

Our Battle Plan helps you beat the insurance company’s tricks, traps, and cheats.

Don’t go to battle alone. Our Rock Hill law firm combines legal experience with a meticulous process to help you beat the insurance company’s tricks. We have spent considerable time and effort creating this plan and we tailor it for each client.

Our Battle Plan Process methodically processes your claim, so you get full compensation as fast as possible. We help you with each stage of the case from getting medical treatment to negotiating with the insurance company. Finally, our plan includes representation by a lawyer in a lawsuit if necessary.

What Role Does My Health Insurance Play after a Car Accident?

Many people ask if they should use employer provided health insurance to pay for medical bills after a car accident. The answer in almost every case is yes. The reason is that it could end up putting more money in your pocket at the end of the case.

Health insurance providers negotiate directly with medical providers. These negotiated rates can be up to or more than half off the cash price for services. Some health insurance plans require reimbursement when one of their insureds obtains a settlement, a process called subrogation. Other insurance companies do not have this obligation.

Since the law requires an at fault driver of pay the full amount of the medical bills, the difference between the health insurance reimbursement amount and the settlement from the at fault driver could lead to increased cash in your pocket.

Personal Injury Law Explained

Personal injury law protects people whose rights have been violated by the wrongful actions of others. It is often referred to as tort law. The term “tort” means civil wrong. A tort occurs when one party violates another’s right.

For example, if a driver runs a red light and hits your car, then the driver has committed a tort against you. The law allows you to recover money damages from the driver responsible for your harm. The amount of money damages awarded depends on how much harm was caused and what kind of harm occurred.

Let’ s take a closer look at an example. Suppose you were struck by a drunk driver. You could sue the drunk driver for medical expenses, pain and suffering, and lost wages. The drunk driver would likely argue that he had not done anything wrong because he did not intend to hurt you. However, the law does not require proof of intent. Instead, the law requires only that the drunk driver acted negligently.

Negligence is defined as failing to exercise ordinary care under the circumstances. To win your case, you must show that the drunk driver failed to exercise ordinary care. Ordinary care is the standard of conduct expected of a reasonably prudent person under similar circumstances.

The goal of this area of the law, just like any other area of law, is to deter negligent behavior. The law holds negligent parties accountable for the harms they cause. By holding liable those who violate others’ rights, tort law acts as an incentive for people to behave responsibly.

How Can a Rock Hill Car Accident Lawyer Help with Pre-Existing Injuries?

Health insurance companies are notorious for exploiting people's pre–existing conditions for the purpose of lowering settlement amounts. However, there are statutes that ensure the person who was responsible for causing the accident is liable for any resulting medical problems. There are also statutes that prohibit insurers from avoiding paying for a pre–existing injury if the accident worsened the injury.
The law does not excuse someone from his or her wrongful conduct. The law states: "The fact that a person is vulnerable to injury or death because he or she has a pre–existing condition or weakness does no serve to excuse an otherwise careless defendant who has caused the harm, or allowed the harm to occur when there is a duty of care to act to prevent it." Ralph King Anderson, South Carolina Requested Charges – Civil, 2009, §13 Damages – Pre–Existing Condition.

 
A car accident lawyer can comb through the medical records to look for pre-existing injuries to classify them correctly. The value of a person's claim can vary widely by classifying injuries as pre–existing, caused by, or exacerbated by the car collision.

Deadlines in Rock Hill South Carolina Auto Accident Claims

The statute of limitations is one of the most important deadlines you should know about in car collision claims because it determines how much time you have to either settle your claim or file a lawsuit against the person responsible for your injuries. In most cases, this deadline is three years after the date of the injury.
However, it’s very important to calculate this deadline so you don’t miss out on any legal rights. Additionally, it’s best for an experienced personal attorney to review the claim to ensure that the statute of limitations isn't shorter than three years. An example of this would be a government employee who caused the injury. The statute of limitations could be two years in that case.

Guaranteed, or our Rock Hill Car Accident Lawyer will work for free.

We are confident in our legal service and our Battle Plan Process. So confident, that we guarantee we will recover money for you, or we will work for free. That’s right: If we don’t get a settlement or verdict for you, you owe us no fee*.

While Our clients are responsible for the expenses of their cases, our firm advances those costs in most cases. Our guarantee