The Process Explained
The Settlement Timeline
Why settling too fast is the biggest mistake you can make.
Phase 1: Treatment & Investigation (0 - 12 Months)
This is the longest phase. You must focus on healing. If we settle while you are still seeing a doctor, the insurance company will not pay for any future bills. We wait until you reach Maximum Medical Improvement (MMI).
Phase 2: The Demand Package (Month 12 - 14)
Once you are healed, we gather all medical records, police reports, and wage loss documentation. We send a comprehensive "Demand Package" to the insurer giving them a chance to pay the full value.
Phase 3: Litigation (Month 14 - 24+)
If they refuse to pay a fair amount (which is common in high-value cases), we file a lawsuit. This starts the court clock.
- Discovery: Both sides exchange evidence.
- Depositions: Lawyers question witnesses under oath.
- Mediation: A final attempt to settle before trial.
Phase 4: Trial
If mediation fails, we go to trial. A jury hears the evidence and decides the verdict. This is rare, but we prepare every case as if it will happen.
Warning: The "Fast Cash" Trap
Insurance adjusters may offer you a check for $5,000 or $10,000 within days of the crash. Do not sign it. By signing, you release them from all future liability. If you need surgery next month, you are on your own.