2 Things You Need to Know About Personal Injury Settlements

“Settling out of court” is usually the preferred outcome for personal injury settlements. In fact, about 95 percent of all personal injury cases are settled before they go to trial. It’s no wonder: it saves everyone involved time, money, and — often most important — stress.

There’s something to be said for just putting the whole thing behind you and getting on with your life, as long as all parties feel they’ve been treated fairly.

Here are a few things that might surprise you about personal injury settlements:



Patience Is Your Friend

A big reason so many personal injury settlements are reached pre-trial is that the negotiation process can seem to take forever and the clients involved are impatient to get on with it. It’s extremely important to trust the process, trust your attorney, and not give in to the temptation to settle for less.



Separate the Myths From the Facts

Don’t fall for any common misconceptions that could make you anxious to rush the personal injury settlements process.



  • Myth: Retainer fee is required in order to obtain a good attorney.
    Busted: No reputable attorney requires a retainer fee in order to represent clients in personal injury settlements. In most cases, the attorney gets paid only after the case is completed.
  • Myth: Most personal injury cases wind up in court.
    Busted: As noted above, only about 2 to 5 percent get that far. Most personal injury settlements are agreed upon out of court.
  • Myth: Personal injury cases can take years to settle.
    Busted: The majority of cases are uncomplicated and straightforward, often settled within two years.
  • Myth: You don’t need a lawyer if you don’t plan to wind up in court.
    Busted: Just because most cases are uncomplicated doesn’t mean it’s a good idea to pursue a personal injury settlement yourself. Why take a chance? Leave it up to the professionals at the Law Offices of Pat Maloney.


Our personal injury settlements attorneys are ready to help you. Contact us today.

3 Things You Need to Tell Your Truck Accident Lawyer

When you sit down with your truck accident lawyer to discuss your case, it’s not unlike a doctor’s appointment. Small details matter, and if you fail (or forget) to share every symptom with your doctor — no matter how insignificant or unrelated it seems — they can’t prescribe effective treatment.

The same applies to your truck accident lawyer. No matter how small, insignificant, or even embarrassing, minor details can make the different between winning your case or going home empty handed.

From the first moment you sit down with your attorney, total honesty and complete disclosure is a must. Here are five things your truck accident lawyer needs to know, things you might be surprised they need to know.



Past Injuries and Illnesses

If you’ve ever suffered an injury or illness in the past — and who among us hasn’t — tell your attorney every gory detail. The lawyer for the opposing party can and will use your health history against you in order to claim your pain and suffering is due to an unrelated cause. In addition, you should tell your attorney if you’ve had any other injuries or illnesses since the accident.



Your Past Legal Record

Technically, your past legal history should have no bearing on your current court case. That doesn’t mean every speeding ticket or misdemeanor isn’t going to come up in order to establish a pattern of reckless behavior. Background checks are routine, but it’s best to ensure that your truck accident lawyer won’t encounter any surprises.



Your Financial History

Have you ever filed for bankruptcy in the past? Or are you filing concurrently with your injury case? It’s important your lawyer is aware of this so they can work to make sure at least some of your settlement stays in your bank account, not your creditors’.

Trust between a truck accident lawyer and a client is paramount. Our attorneys are the best at what they do; you can rest assured your case is in capable hands. Contact us today.

6 Things You Didn’t Know About Third-Party Insurance Policies

Third-party insurance policies are something few people think about. It’s something you’ll be grateful to have — or wish you had — when something happens and you understand why they’re necessary.


Most of us are familiar with what is termed “first-party” insurance. It’s purchased by an individual or a business entity to protect against unforeseen calamity. Examples include:


  • Home or other property insurance.
  • Health insurance.
  • Life insurance.


Third-party insurance policies are purchased by an individual (first party) from an insurance company (second party) to protect against the legal actions filed against you by someone else (third party) (definitions courtesy of Business Dictionary). A more familiar term for “third-party insurance” is liability insurance.


Examples of third-party insurance include:

  • Workers compensation.
  • Malpractice insurance.
  • Employment practices insurance, which covers claims such as wrongful termination.


Homeowners and auto insurance policies generally contain elements of both first- and third-party policies.


What you know about third-party insurance policies can help you — and what you don’t know can definitely hurt you.


  • You (the first party) are financially responsible for your own damages, which means if someone slips and falls on your property and you hurt your back helping them up, you still have to pay for your own treatment as you normally would. And it won’t prevent the other person from filing a liability claim against you.
  • Even if you’re not at fault in a car accident, you can be held liable. In this case, the liability part of your insurance policy can be invaluable.
  • Bodily injury coverage, which is required in all 50 states, protects you from financial ruin if you’re found liable in an accident. This covers costs such as medical bills, loss of income, and legal costs.
  • In a car accident, third-party insurance also covers damage to property other than cars, such as trees, fences, or even buildings.
  • Do you rent your home or apartment? You still need a third-party insurance policy to cover the cost of your belongings if the dwelling is damaged or destroyed by events like fires or storms. It can also kick in if a visitor to your rented home is hurt while they’re there.
  • There’s usually a limit to how much a third-party insurance policy will pay, so it’s important to read and fully understand it. You’re on the hook for whatever the policy doesn’t pay out.


Don’t be caught unprepared and uninformed. We can ensure your third-party insurance company lives up to its obligations. Contact us today.

Best Tip Ever: Hire a Personal Injury Lawyer in San Antonio

There’s a line from a movie that goes, “It’s not the years, it’s the mileage.” When it comes to hiring a personal injury lawyer in San Antonio, experience is everything. When you’re choosing someone to represent your case, keep a few traits of the best attorneys in mind.



They Know the Territory

The rules, regulations, and — most importantly — the statutes of limitations in relation to personal injury cases can vary widely from state to state. That’s why when you live in one state but were injured by an object or device that was built in another, your case can quickly become complicated if you don’t have a personal injury lawyer in San Antonio who knows how to navigate often-conflicting laws.

Therefore, one of the questions you should ask during a free initial consultation is how many cases like yours the attorney has handled and how many they’ve successfully argued for their clients.



They Are Born Negotiators

A personal injury lawyer in San Antonio who has a high rate of cases settled fairly before going to trial is a lawyer to seriously consider representing you. Like it or not, time is money, and the more skilled a lawyer is at getting you what you deserve and promptly, the better it is for your settlement.



They Are Respected

An attorney who takes shortcuts or tries to “pull a fast one” in court only wins in the movies. In reality, a personal injury lawyer in San Antonio who takes the time to do things right earns respect, even from their opponents. Plus, when you know your attorney is focused solely on you and your case and is not already looking past you for the next client, it does wonders for your peace of mind.


Rest easy with the best personal injury lawyers in San Antonio. Contact us today.