3 Reasons Why You Did Not Get a Medical Claim Settlement

Medicine is expensive. Most cannot afford medical care out of pocket. So, our medical system depends on insurance to help pay the bill. Insurance companies, despite their ads, are for-profit companies who do not want to spend a cent more than their policies dictate. This is their nature. This is how they make money. It is to their advantage and patients are poised to benefit least.

As such, many find they do not get the settlements they need. Here are three reasons why you did not get a medical claim settlement.


Not Having Enough or Correct Documents


Keep every related document you receive regarding your medical experience. If everyone did so, a large number of settlements would not have the chance to be denied. Keeping all your documents in order is a “help them help you” scenario. Insurance adjusters are mandated to provide justification for every penny they dole out. If you have all of your receipts and documents in order, adjusters will have more reasons to say yes than no.


Items to have on hand include receipts, medical bills, invoices, past pay stubs for lost work, police records and doctor reports if required.


Moving Too Quick … or Far Too Slow


As businesses, insurance companies try to settle claims quickly and cheaply. Though you might have gotten a settlement, you likely did not get a fair medical claim settlement and you risk out of pocket expenses from unforeseen symptoms.


On the opposite side of the spectrum, most states have a set time window in which you can make a claim. The time frame varies from days to years depending on location. Hiring local legal help when you’re unsure on filing claims is your safest option for navigating the medical claim landscape.


Signing Medical Releases to Another’s Insurance Company


If your own insurance company needs specific medical information to process your bills according to your policy, go ahead.


If an at fault individual’s insurance is pushing you to sign medical releases, do not touch a pen. Often, they will try to use your medical history to mitigate or negate your claim entirely.


When in doubt at any stage of a medical claim settlement, please reach out to a lawyer who specializes in claims. The attorneys at Pat Maloney know how to work with insurance companies and have a success record to prove it. If you need help, call today!


Hire a Serious Personal Injury Lawyer – Pat Maloney

Debilitating injuries shatter lifestyles. The pain that comes with injury also comes with legal demands. When daily living is capitalized by discomfort, knowing that you hired a serious personal injury lawyer at Pat Maloney is a beacon of comfort. After being injured, your job needs to be on healing and getting back to normal life. Court cases, settlements and claims do not fit that job description.


The Attorneys at the law offices of Pat Maloney are serious personal injury lawyers and here is what you can expect when you hire them.


Honest, Prompt and Clear Communication

You deserve to know what is happening at each stage of your case. Our lawyers will not dance around the details.


First, they will sit with you to evaluate your medical bills, quality of life and pain endured to determine your case’s worth.


Then, you will get updates on crucial stages throughout your case till the end, but, most importantly, our lawyers will be there for you whenever needed and however needed.


Full Spectrum Service from the Start

A serious personal injury lawyer knows that the doing a job is only worth working if it is done right. Our lawyers cater to you throughout the whole legal process. There is no other “discount” package around. Every case takes a different route, so, should you need it, here is what you can expect from us:

  • All necessary paperwork filled and filed, we will navigate the legal landscape for you.
  • Evidence collection, we will gather everything you need.
  • Witness testimony organization, we will record and organize statements.
  • Personal statement preparation, you will know what to say.
  • Negotiations, we will work to ensure insurance companies do not short change you.
  • Representation in court, should you go to court – we will be there with you.
  • Distribution of your settlement after a successful case, we will organize distribution for any injury related expenses you have.

Continued Support Beyond the Finish

At Pat Maloney, we work for people with names and faces, not clients and cases. Though we hope no further injuries of pain occur, we are dedicated to the individuals we serve and will continue to take up your cause for you, because, that is simply what a serious injury lawyer does.


If you have an injury and need help with your case, we would be happy to serve you. Call today.


Tips on How to Get a Car Wreck Settlement in San Antonio

Car accidents occur by the thousands nationwide, every day. Almost every one of them comes with insurance claims and possible legal action. However, each location deals with insurance and legal claims differently, including San Antonio. Though many steps are similar, knowing these tips about how to get a car wreck settlement in San Antonio will boost your chances of success.

Tip One: Document Everything


Facts are your friends. After taking care of any emergency situation, make sure to gather the following information:


  • Contact and Insurance information of everyone involved. Get pictures if you can
  • Photos of the scene
  • License plate and vehicle identification numbers
  • Contact information of any and all witnesses
  • Recordings of what happened from witnesses if possible
  • The reporting police officer’s contact and badge information


Tip Two: Remember to be Timely


Time plays an important role when processing a car wreck settlement in San Antonio. Three important time frames to remember are 10 days, 15 days and 2 years.


10 days is how long you have to report an accident to report an accident to TxDot if a police officer was not present and serious injury, death or car damages cost over 1000 dollars. This normally occurs when accident participants did not originally anticipate high repair costs.


15 days is how long insurance companies have to approve or deny your claim. Some may try to push you to a decision prematurely to save money and others may attempt to drag your case out. Once your claim has been approved, insurance companies in San Antonio have 5 days to fulfill it.


2 years is your window from an accident to take legal action. Should you have on going medical expenses, lost wages or pain and suffering from your accident that have not been properly reimbursed, San Antonio will honor your claim for 2 years.


Tip Three: Know who to call for help


Securing a car wreck settlement in San Antonio is generally straight forward, but, if you are being pushed by insurance companies or have not been fairly treated, it is time to call for help. Choose a local accident attorney who knows San Antonio laws and how to get you what you deserve.


The attorneys at Pat Maloney specialize in car wreck settlements and have a record of getting clients the settlements they need. Give them a call. They know how to help.

3 Secrets of Workers Compensation Settlements

It’s no secret that it’s not always easy to get workers compensation settlements. Some cases are open-and-shut. Some employers’ insurance companies don’t fight you every step of the way. But even when everything goes smoothly, you may still have some surprises in store.



Every Part of Your Case Has Value

It might surprise you to know that every detail factors into how much is paid out in workers compensation settlements. This includes:



  • Whether your disability is partial or total, temporary or permanent.
  • How much time you have lost from work, day by day, hour by hour.
  • The sum total of all your related medical bills, which means it’s critical to keep track of all your paperwork.
  • Whether you’re willing to accept a lump-sum settlement or structured payments.
  • Pain and suffering, for yourself and your family.


Settlements Aren’t Simple

Getting workers compensation settlements isn’t as simple as saying “okay” and getting a check. There are many factors to consider, such as:



  • You don’t have to accept the first amount offered to you, but consider this: If negotiations fail and you proceed to litigation, there’s a chance the judge won’t see things your way and you’ll wind up with nothing.
  • One of the stipulations of accepting working compensation settlements is often giving up the right to seek further compensation for the same injury later, if the symptoms linger.
  • If you’re deep into the process and are worried that your employer hasn’t offered any kind of a settlement at all, it may not be because they’re hedging their bets or digging in their heels. Depending on what state you’re in, there may be regulations that stipulate exactly when a settlement can be offered, and you simply haven’t reached that point yet.


Once It’s Done, It Can’t Be Undone

As mentioned above, once all parties involved agree on workers compensation settlements and have signed on the dotted line, you can’t come back later and ask for additional money, even if you need more treatment for the same injury.


Make sure your case is done right the first time with a professional from the Law Offices of Pat Maloney. 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.

You Need a San Antonio Accident Attorney—Here’s Why

Accidents happen every single day. Most of the time, they are simple affairs: fender benders. However, there are some instances in which things become more complicated; at that point you need a San Antonio accident attorney in your corner to handle your case. Here are some reasons why you need to hire an attorney if you have been in an accident:


  • When the fault of the accident is contested. If the other driver or their insurance company does not admit or accept fault, you need someone to fight this battle for you in court. There is too much at stake for you to try to do it alone.


  • When you have paid a substantial amount of money out-of-pocket. If your medical expenses and loss of income begins to eat into your savings significantly, it is time to consult an attorney. An attorney can help speed along your case and prevent your losses from mounting further.


  • When you want to use an alternative dispute resolution method. An attorney can handle negotiations with the insurance company and the other party/parties involved in the accident. Your attorney can try to get a settlement for you without having to go through the courts or put you through any additional mental or emotional strain.


  • When you don’t have more time to invest in settling your claim. If you have missed time from work, you are probably already out a substantial amount of money and simply cannot afford to spend any more time in court. If you turn your case over to an attorney, they can handle all the details so you can concentrate on life.


No one ever wants to be in a car accident. It is at best a nuisance and at worst a life-altering event. Having a San Antonio accident attorney on your side can help ease some of the distress you are experiencing. For more information, contact the Law Offices of Pat Maloney at (210) 226-8888.


4 Services a Texas Construction Accident Attorney Provides

Accidents, by their very nature, happen unexpectedly. They often prove to be traumatic and can cause great upheaval in an individual’s life. Construction accidents can be especially life-changing. If you or someone in your family has been involved in one of these accidents, engaging a Texas construction accident attorney may be the best course of action. An attorney who specializes in these types of cases can help you out in several ways:


  • An attorney can answer all of your questions. The period immediately following a construction accident can be a time of great confusion and uncertainty. At times like these, it is great to have someone you can trust that can answer your questions.


  • Injury attorneys can handle the insurance companies. While you are out of work recovering from your injuries, dealing with insurance is one of the least pleasant yet most critical chores. Your attorney can take care of these interactions on your behalf.


  • Attorneys can negotiate settlements. After an accident, recovering from your injuries and coping with emotional stress are first and foremost in your mind. When the time comes to settle your injury claim, your attorney will be the one negotiating the best settlement for you. They know what is realistic and fair.


  • Your attorney is your advocate. They will be by your side every step of the way. Filling out paperwork, making phone calls to insurance companies, and handling legal matters are just some of the ways your attorney advocates for you. Ultimately, they are your main ally, and will guide you through the difficult process.


Hiring a Texas construction accident attorney may be one of the best decisions you make. You will need someone on your side during this tumultuous period, someone who knows the ins and outs of the legal system. Your attorney is on your side! For more information, contact the Law Offices of Pat Maloney at (210) 226-8888.


6 Benefits of Working with a San Antonio Personal Injury Lawyer

Accidents happen every day and they can be devastating, not only physically, but also emotionally. If you or someone you know has been injured in an accident, it is important for you to be aware of your legal rights. Hiring a San Antonio Personal Injury Lawyer, it is arguably the best decision that can be made in handling your case.












1. Personal injury lawyers have built their practice on these types of cases, and they can tell you from the beginning whether to pursue legal action. If you are unlikely to win your case, an attorney will tell you beforehand, thus saving you time and expenses.


2. Usually, attorneys work with a team that has experience and expertise in specialized areas. The investigative team can spend the time and resources on your case that most people cannot afford to spend by themselves.


3. Lengthy and complicated trials are often not necessary to resolve a case. Having a lawyer handling your case opens up the possibility of an alternative dispute resolution (ADR).


4. Some San Antonio personal injury lawyers work on a contingency basis and do not collect any fees unless your case is won. However, without an attorney, you are responsible for certain expenses that are not related to attorney services (such as medical bills).


5. Attorneys are used to working directly with insurance companies, so they are more adept at understanding the workings of insurance corporations and will not be confused by their tactics nor will they feel pressured to settle for a less than satisfactory sum.


6. The desired result of a personal injury case is a settlement that will leave the injured person in a better position financially. Personal injury lawyers are especially skilled at negotiating the best settlements possible on behalf of their clients.


These are just some of the many benefits of hiring a San Antonio personal injury lawyer. If you are interested in more information, feel free to contact our offices at 210-226-8888 or by clicking here.


How to Hire a Reliable 18 Wheeler Accident Lawyer

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If you’re in an accident with an 18 wheeler, it’s absolutely imperative you hire an attorney as soon as possible. These large trucks are often owned by freight companies and large corporations, and they typically have high-powered lawyers on their side. Those lawyers may attempt to pin the blame on you, so their employers don’t have to cover your medical bills, car damages and other expenses. If you wantto stand a chance of fighting back and getting the money you’re due, you’ll need to hire an 18 wheeler accident lawyerfast.

Here are 4 tips to find the best 18 wheeler accident lawyer for you:

  1. 1. Look at past case results. For any 18 wheeler accident lawyer you’re considering, always ask to see their most recent case results. Be sure that the attorney you choose has a record of winning truck accident cases.

  2. 2. Check customer reviews. Take a look at online review sites and make sure past customers have been satisfied with the attorney’s work before you hire them. If you can’t find any reviews, ask the attorney if they can give you contact info for a past client, so you can ask about their experience yourself.

  3. 3. Meet them in person. Always meet a lawyer in person before you decide to hire them. Make sure the two of you communicate well, and that they seem ready and willing to take on the job.

  4. 4. Check their credentials. Do a quick background search and learn a little about the attorney. How much experience do they have? Where did they go to school? What is their Martindale-Hubbell rating? These can all give you insight into their abilities as a lawyer.

Need a reliable 18 wheeler accident lawyer? Then contact the Law Offices of Pat Maloney today. Our experienced team of attorneys can help.

The Ultimate Guide to a Successful Car Accident Law Suit

Sometimes, car accident cases are settled easily. The insurance companies evaluate the damage, they offer some amount of compensation, and everything is done and closed within a matter of weeks. It’s easy and hassle-free. Unfortunately, not every single case is like this. In fact, some cases even require legal action. If the insurance company refuses to pay the appropriate amount of compensation to the victim, the victim may opt to file a car accident law suit so they can seek the full amount of money they’re rightfully due.

If the at-fault driver’s insurance company just isn’t offering enough compensation in your car wreck case, then it may be time to consider filing a formal car accident law suit. Here’s what you’ll need for it to be successful:

  • Ample evidence – First and foremost, you’re going to need plenty of evidence that pins the blame on the other driver – and pulls attention away from you. You’ll want a police report, any traffic camera footage that’s available, eyewitness statements from anyone who may have seen the accident go down, pictures of the car and accident scene, and any other evidence you can get your hands on. If evidence is limited, a day-in-the-life video can be especially helpful, as it can shed light on the true hardships you have experienced as a result of your accident and the injuries it has caused you.

  • A solid story – If you want to be sure that you’re not stuck shouldering any of the blame for a wreck you didn’t cause, you need to have your story down pat. When you talk to a representative of the other driver – their insurer or their lawyer – always stick to the same details. Don’t give more information than you need to, and be careful not to apologize, admit any type of fault, or go back on any elements or details you may have shared earlier in the process. Doing so can show you’re an unreliable and untrustworthy witness, and it can actually implicate you in the wreck. Ultimately, that means you get less money, and the driver who was at fault doesn’t have to pay out the full amount they should. So after the accident, sit down and piece together exactly what happened so you’ll have it straight in your head and won’t have a changing story.

  • An experienced lawyer – Hiring a lawyer can go a long way toward ensuring your car accident law suit is a successful one – especially if the lawyer you hire is experienced. They’ll know what evidence to gather on your behalf, they’ll know how to ensure you’re not stuck footing the bill for an accident you didn’t cause, and they’ll know how to fight for your rights and get you the compensation you deserve.

  • Proof of damages – In addition to having evidence that the other driver is at fault for your wreck, you’ll also need proof of any and all damages you suffered. You’ll need bills that state the costs and expenses you incurred because of injuries or medical care, estimates and receipts from car repair and body shops, and documentation of any days or hours you missed from work. Once all these are gathered, your attorney can accurately determine how much your accident case is worth. This can also help them when evaluating any offers or settlements that come in. If an offer is not up to snuff or won’t cover all your damages and expenses, the attorney can refuse it and try to negotiate a new amount.

Once you have these four elements in place, your car accident law suit should be well-positioned for success. Contact an attorney at the Law Offices of Pat Maloney to get started on your case today.