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Kada je u pitanju totalna šteta, zadržati auto možete, međutim ne može se dobiti vrijednost koje osiguranje procijeni. Primjer: osiguranje procijeni auto na 10.000, ako želimo zadržati auto, osiguranje će oduzeti 1000 dolara. Zašto? Iz razloga što je to auto vrijedno 1000 dolara u dijelovima, zbog toga mi možemo dobiti samo 9000 dolara.

Kratak odgovor na pitanje može li se zadržati auto ako osiguranje procijeni da je totalna šteta je, možemo. Međutim, dobit ćemo manje novca nego što je auto vrijedno.

Nadamo se da vam je ovo pomoglo.

Ako imate bilo kakvih pitanja nazovite nas na 314-350-4710 rado ćemo odgovoriti na sva pitanja i dileme koje vas muče.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Can I Claim a loss of use from my vehicle if it is damaged in a car accident?

An example of this is if you have been damaged after a car accident by the truck, van or car you use for work. The answer to that question is that you are entitled to insurance compensation from your insurance company. Example: If you make $ 4,000 a week by driving a van and unable to drive for two weeks, that would be $ 8,000. The law requires us to reduce our loss as much as we can. If you can rent a van for $ 1,000 for a week. And you continue working for the next two weeks and earn $ 8,000. Then your damage is not $ 8,000 but $ 2000. Which you had to pay for the van to rent it.

We hope this has helped you.

If you have any questions call us at 314-350-4710 and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

The answer is yes, you can keep a car even ti’s total loss. However, you will not receive full value for it. Basically, the insurance company will keep, retain the salvage value of the vehicle. What is that mean? Let’s assume, you are rear-ended, and the car is a total loss. The insurance company comes looks at it and said, the value of your car is $10.000. However, you’ll ask them can I keep the vehicle? and they said, sure, however, we’ll only give you $9000, and you are like, wow, why is that the case? Even a total loss vehicle, a salvage vehicle had some value. If they took it to the scrapyard, they will get $1000 for it.

Therefore they’re going to deduct that from your recovery. To answer the question, can I keep the vehicle after a car accident? Yes, you can. However, you will get less money for it. We hope this has helped you.

If you have any questions call us at 314-350-4710 and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

That is one of the first things that will get resolved, once you’ve been involved in a car accident. There are few things to consider when it comes to property damage after a car accident. The insurance company for the at-fault driver, they’ll usually reimburse you for the reasonable value of that same vehicle.

What is a reasonable value?

In some instances, clients will come and say, hey, Nedim this car had a sentimental value to me, because of an ex-wife. Unfortunately, that’s not going to count. Where do they get the reasonable value? Is it from Kelly blue book, private sellers, dealerships It’s actually of the above, but an insurance company’s got there own property damage adjusters? They’ve got own system to figure out, what the reasonable value of your vehicle is. I think the last time I talk with the insurance company is the comparable car within 50 miles radius of where you live. If they come back to you and say, Ok, your car is a total loss.

Do you have to accept if they offer you $10.000, and you feel your car worth $12.000-$13.000? No, you don’t have to accept that, but then the burden shifts to you to prove that, that car really is worth $12.000-$13.000.

How do you do that? You go back to all of the above, Kelly blue book, private sellers, you do your own research, and if you can prove to them, that a comparable vehicle is actually worth $12.000-$13.000 instead of $10.000, then you’ve got some room to negotiate with them.

Diminished value of your vehicle #

The other issue to consider when it comes to property damage is the diminished value of your vehicle. It’s a bit easier to do when the vehicle is brand new, so let’s assume, you purchase the vehicle right now, you take it off the lot, and you got rear-ended. Obviously, that vehicle drops drastically in price, because of the car accident. It’s going to show on car facts. So, how much is that worth? Couple of phases to go about doing that is, – go back to the dealer and say, hey listen, I just purchase a vehicle, it was involved in the accident. What’s the value of this vehicle now, and they may, or may not give you the price.

The other venue is there are professional businesses out there, that will come out and take a look at your car. One of them, that I worked is www.collisionclaims.com You pay couple hundred dollars, they’ll come out to take a look at your car. They will prepare your professional presentation, what your car lost in value because of an accident.

Those are the few things, what you have to consider when it comes to property damages.

We hope this has helped you. If you have any questions call us at 314-350-4710

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Medical Experts are very important when it comes to car accident cases. They are not cheap by any means, but in most instances, they help us understand then pinpoint the injuries that clients suffered. And they can pinpoint causation our clients were injured through the negligence of another driver.

The few examples that I explained this week: Head clients that had their backs injured cervical spines, lumbar spine and such. In three of those cases, the orthopaedic specialist that is treating our clients has advised that clients need surgery. Clients are reluctant that to do it at this time, and so the experts have given us the opinion of how much a future surgery will cost, and that has helped us make the insurance companies understand the extent of our client’s injuries, that the accident cause these injuries. Those opinions are very expensive but they drastically helped us resolving cases for our clients. That’s why medical experts important in personal injury cases. We hope this has helped you.

If you have any questions call us at 314-350-4710 and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

Watch YouTube video about this topic

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Car Accident Claims

If you’re making a vehicle damage claim or a claim for injury, here’s how to get the most from your settlement.

If you have been involved in a car accident, you may be wondering how to best proceed with settling a vehicle damage or injury claim against the other driver. So you can put the accident behind you and get on with your life. In this article, we’ll offer some tips on the best strategy for setting a car accident claim.

One of the most common questions we’re asked at the beginning of the claim process is about the amount of compensation an injured party may receive.

Unfortunately, the answer isn’t always straightforward so we’ve compiled an easy to read the guide below that should answer many of the questions you may have.

What To Do After You’ve Had A Car Crash

Even though the other driver may have caused the accident. You usually will not be dealing directly with the other driver is attempting to settle your claim for damages. Typically you will work directly with the other driver’s insurance company.

Because of this, it is important to gather information while you’re at the scene of the accident, including the name and contact information for the following:

1. the other driver
2. the other driver’s insurance company
3. any witnesses to the accident
4. any law enforcement officers the come to the scene.

It is also a good idea to take photographs while you are still at the accident scene. Most of us carry cell phones, and most of those cell phones have camera capabilities. While you are at the accident scene, take pictures of the following:

1. the locations of the vehicles.
2. areas of physical damage on each vehicle.
3. the license plates of each vehicle.

How Much Compensation Can I Claim For A Car Accident?

The amount of compensation you can claim for a car accident injury can vary drastically, as with most types of accident claims. This is simply because realistically not every car accident injury is the same meaning the car accident claims payouts can vary from case to case. The best approach to getting an accurate assessment of the amount of car crash compensation you could claim for an injury is to speak with us, or a solicitor of your choosing.

What Types of Damages Can I Collect?

If you are making a claim for property damage only, some of the different types of damages you may be entitled to collect are:

• vehicle damage
• personal property damage — compensation for items such as a computer that may have been in the car, or a bike on a carrier, if those were damaged in the accident.
• car rental — most insurance companies will reimburse you for a rental car that you needed while your vehicle was being repaired.
• out-of-pocket expenses — for example, if you had to hire a taxi to get home from the accident scene or police station.

Claiming For A Car Accident

There are several simple steps you should take in order to improve the chances of a favorable result when we handle your compensation claim.

• You should have taken photos of the accident scene and obtained details of the third party. Alternatively, if the police have attended the scene they will usually have sourced this information for you.
• Some injuries, particularly soft tissue whiplash injuries, can take up to several days after the accident to fully develop. It is important to visit your GP after an accident to make sure the extent of the injuries have been fully verified by the doctor and that there are no other serious underlying injuries.
• Keep a record of all your costs and expenses that relate to the accident such as medical treatment, taxis and travel costs, prescriptions, and loss of earnings if you can’t attend work. All these costs can be recovered from the third party when we settle your claim.

Let us know about the accident. Not only can we give you the best possible advice in the aftermath of an accident. But we can also help with replacement vehicles and car hire, medical appointments and rehabilitation and make sure you are fully compensated for all pain and suffering and out of pocket expenses.

The Claims Process

To begin your claim we will send a letter to the defendant. Once you’ve provided all the relevant details of the accident. If you need a medical report we can also arrange for an appointment with one of our specialists.

The defendant has to respond to the letter that we send within a certain timeframe and they will either admit or deny liability for the accident. If they admit liability we can usually settle the claim without having to go to court.

We will deal with all correspondence with the third party insurers. Presenting the evidence to them and negotiating the best possible payout for your injuries and other losses.

To process a claim you must be over 18 or if not then you must have a friend or family member who is over 18 to act as your ‘litigation friend’ and we would speak with them about your case.

We would need to know details of the accident, how and where it happened, and details of the third party (the person who caused the accident). But if you don’t know this information we can sometimes claim through the Motor Insurers Bureau (MIB) who will pay compensation in cases where the other driver can’t be traced.

Why Choose Our Car Accident Solicitors?

A car accident claims is to compensate victims of road traffic accidents for their pain and suffering when they’ve suffered injury due to somebody else’s negligence. If you are planning on filing a car accident compensation claim, and you should. It is always a good idea to have a solicitor representing you for several reasons.

First and foremost, with a solicitor by your side, the car insurance company will not be so quick to tempt you with a dismal settlement for your car crash in exchange for dismissing the case.

Many car insurance companies want to get car accident victims a quick settlement instead of having the case potentially go to court. While this may seem like a good offer at the time. The truth is, what they offer is likely to be far lower than what you are entitled to and what you will eventually get if you file an accident compensation claim.

Another reason for hiring a personal injury solicitor is that they are experienced and will know exactly how to present your case and what factors to include in the presentation so that you get the highest compensation possible.

If you have any other questions related to the car accidents, please don’t hesitate to reach out to us at 314-350-4710.

And we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Once the dust settles after a car accident, you may wonder how it’ll affect your car insurance rates. Every situation is unique. We’ll give you a better understanding of when and why your premium may or may not go up.

Insurance Rates increases after a car accident

The best-case scenario, from our perspective and yours, is that you never get into an accident. But accidents do happen, which is why you have auto insurance in the first place. When the unexpected happens, your insurer will help you through the process from initial claim to settlement. If your rate will increase because of a recent claim. You’ll likely find out about it when your policy renews. But here’s the good news: rates don’t automatically go up.

Rates don’t always go up

We discredit this myth elsewhere, but it certainly bears repeating: car insurance rates don’t always go up after an accident. Minor accidents and fender benders may not translate to a rate increase — particularly if you have a history of otherwise-safe driving.

The same goes for fault. If you weren’t at fault in an accident, your premium could stay the same. Some insurance policies also include accident forgiveness, which rewards safe-driving patterns by looking at your driving record on the whole (and not just a recent incident).

But sometimes insurance rates do increase

Just as rates may not rise after a minor accident you didn’t cause, your premium is more likely to increase after a major at-fault accident. Your driving record is a major factor in determining your premium, so a recent blip can have an impact when your policy renews.

And if you had a safe-driving discount on your policy that was awarded for a claim-free driving record, the loss of that discount would also cause a rate increase.

How long do rates stay raised?

After an accident (or moving violation, for that matter), your driving history follows you around longer than you probably want it to. Insurance companies usually factor in the severity of the accident and the cost of damages to determine the increase and the length of time you’ll be subject to higher rates. Your accident surcharge may gradually decrease each year you go without another accident. In many states, the surcharge will be lowered gradually over the span of 3 years until it’s nonexistent as long as you avoid another accident.

Contact Us

Remember, you have a car insurance policy for a reason. Even if you get a rate increase after an accident, your coverage probably saved you money by helping to pay for post-accident expenses.

To make sure you get the most from your insurance policy, you generally want to have the most coverage you can comfortably afford.

If you have any other questions related to car accidents, please don’t hesitate to reach out to us at 314-350-4710

and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

A car accident can happen anyone at any time: Going to work, hold a warm cup of coffee in one hand. Suddenly you hear creaking of steel as your neck jerks back and forth. But it’s not your fault.

The driver behind you hit the back of your car, possibly while checking or writing a text message, or while changing radio stations.

A car accident is not your fault, but you still have one more item on your schedule.

What should you do?

A traffic accident has never been pleasant, but the following information will help you achieve the best possible outcome.

What to do after a car accident if it’s not your fault: First steps

Many of the steps you take when a car accident is not your fault are the same no matter who is at fault.

But there are some things you can do to protect your interests in the event that the other party leaves the scene of the accident, fails to report the accident, contradicts your assessment of the event, or cooperates otherwise.

Immediately after the accident

First of all, after a car accident, take a deep breath and stay calm. If you are injured, contact your doctor immediately (record your injuries if necessary).

Check with all those who have been with you and those who may have been involved in the accident. Help those in need of an ambulance, but do not move the injured person apart unless absolutely necessary for their safety.

If possible, be sure to move vehicles from traffic to the other end of the road; you do not want to cause unnecessary downtime or another collision.

Gather information

If this is clearly the fault of another driver, such as a rear-end collision, then he or she is responsible for reporting the accident to their insurer.

But don’t just assume that the other driver will take care of it;

Leaving the scene of an accident is a crime, but only if there is evidence of a crime. Therefore, you want to collect the following information:

• The name, address and telephone number of the other driver
• The name of the insurance and the policy number of the other driver
• Witness statements and their contact information (if applicable)
• Photos of the location (including other driver’s license plates) and the location of the impact
• Consider calling the police

Even if it is not clear to you that you may have contributed to the accident. Gathering the information above will help you resolve the case. If there are physical injuries (whether you, another driver or passenger), or significant damage, call the police.

A police report could give you the edge to confirm your version of events or when you reach a settlement.

After a car accident: what to do when you get home

Assuming you have not sustained serious injuries, you will need to take care of some additional steps after you get home (or the next morning, but as soon as possible).

If you have injuries from an accident, be sure to keep detailed (and permanent) notes.

At best, the other driver will report the accident to your insurer, and the insurance company will pay you damages to your car and any medical expenses.

Contact your own insurance company

Traffic accidents often happen in the blink of an eye, which means you may not have the full picture of the events leading up to the collision. And that you may have been wrong, at least in part.

Also, there may be times when another insurance company denies liability. In either case, your appropriate company needs to know, then it will either initiate proceedings against another insurer or initiate a collision claim for your vehicle.

And by proactively contacting your insurance company, no matter what the fault, you establish a well-intentioned effort to report the accident.

Consider Suing another driver’s insurance company

In most cases, the other driver’s insurance company will take care of the damage. But it is possible, especially in the absence of a police report, to cross over to their policyholder and refuse to pay you compensation.

In this case, your insurance company may cover your damages, sue another company, or try to reach a settlement that will suit everyone. But you always have the ability to hire a lawyer and sue another driver’s insurance company yourself.

Have a lawyer evaluate your claim from a car accident

Now that you know what to do after a car accident that you are not guilty of, you may have additional questions about legal options.

A lawyer can help you decide what action to take if the case is not easily resolved.

If you have any other questions related to car accidents, please don’t hesitate to reach out to us at 314-350-4710

and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

The short answer: No. A car accident and collision aren’t the same.

Collision implies there’s no one to blame whereas accident can imply that someone is at fault.

This is a bit subjective though and it really depends on who you talk to.

It may just seem like a grammatical issue or maybe even a personal vocabulary preference, but the way you use the words carries a lot of weight in your insurance case.

As WNCN points out, even the phrase “crash” can carry unwanted connotations that don’t accurately describe the situation in the view of the law.

Is the pronunciation important?
Understanding what each word means is crucial whether you’ve been involved in some sort of vehicular incident or just to know for future reference in the off chance something happens.

In casual conversation, we call them “accidents” too, because that’s how people talk.

But when we’re talking to a jury or an insurance adjuster, we prefer to call them “car crashes” or “wrecks,” or “collisions”, because it turns out that, usually, they were somebody’s fault.

When we are talking with friends, this language does not matter much.

But when we are in front of a jury, the choice of words can matter a lot.

If you have been in a collision, you might start noticing that you get different reactions from people if you call it a “crash” than if you call it an “accident”.

And this can make a difference to your eventual settlement.

So now, even police officers must recognize that they are investigating car “crashes,” not mere “accidents.”

But, old ways are hard to break, and it will take constant reminders to adjusters and even judges to refrain from referring to the police report as an “accident” report.

What do we do?
At Bajric & Ramic Law Office, we know exactly what we do.

Our job is to hear your story, gather the details, and see if we can make a case for you. Automotive accidents (or collisions) are stressful and often painful times.

We want to make the entire process easier on you, regardless of whatever semantics are being debated.

If you have any other questions related to car accidents, please don’t hesitate to reach out to us at 314-350-4710

and we’d be glad to answer any other questions that you may have.

Thank you very much and you have a wonderful and safe day.

Difference between a car accident and collision

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

An example of this loss of use is if you have been damaged after a car accident by the truck, van or car you use for work.

The answer is that you are entitled to insurance compensation from your insurance company.

Example – Loss of use

If you make $ 4,000 a week by driving a van and unable to drive for two weeks, that would be $ 8,000.

But, the law requires us to reduce our loss as much as we can.

If you can rent a van for $ 1,000 for a week. Continue working for the next two weeks, and earn $ 8,000, your damage is not $ 8,000 but $ 2000, which you had to pay for the van to rent it.

We hope this has helped you.

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If you have any questions call us at 314-350-4710

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

That is one of the first things that will get resolved. There are few things to consider when it comes about property damage aspect.

The insurance company for the at-fault driver, they’ll usually reimburse you for the reasonable value of that same vehicle.

What is a reasonable value?

In some instances, clients will come and say, “Hey, Nedim this car had a sentimental value to me, because of an ex-wife.”

Unfortunately, that’s not going to count. Where do they get the reasonable value?

Is it from Kelly blue book, private sellers, dealerships.

It’s actually of the above, but an insurance company’s got there own property damage adjusters. They’ve got own system to figure out, what the reasonable value of your vehicle is.

The last time I talk with the insurance company is the comparable car within 50 miles radius of where you live. If they come back to you and say, Ok, your car is a total loss.

Do you have to accept if they offer you $10.000, and you feel your car worth $12.000-$13.000.

No, you don’t have to accept that, but then the burden shifts to you to prove that, that car is worth $12.000-$13.000. How do you do that?

You go back to all the above, Kelly blue book, private sellers, you do your own research, and if you can prove to them, that a comparable vehicle is actually worth $12.000-$13.000 instead of $10.000. Then you’ve got some room to negotiate with them. The other issue to consider when it comes to property damage is diminished value of your vehicle.

It’s a bit easier to do when the vehicle is brand new, so let’s assume, you purchase the vehicle right now, you take it off the lot, and you got rear-ended. That vehicle drops in price, because of the car accident.

It’s going to show on car facts.

How much is that worth?

Couple of phases to go about doing that is, – go back to the dealer and say, hey listen, I buy a vehicle, it was involved in the accident. What’s the value of this vehicle now, and they may, or may not give you the price.

The other venue is there are professional businesses out there, that will come out and take a look at your car. One of them, that I worked is www.collisionclaims.com You pay couple hundred dollars, they’ll come out to take a look at your car.

They will prepare your professional presentation, what your car lost in value because of an accident.

We hope this has helped you.

If you have any questions call us at 314-350-4710

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Ponekad se susrećemo sa ovim problemom, gdje privatna zdravstvena osiguranja imaju pravo da dobiju neku naknadu nakon što ste vi dobili vaš novac od auto osiguranja.

Iako Missouri, kao država ne dozvoljava zdravstvenim osiguranjima da dobiju novac nazad za medicinske troškove koje su platili, vezano za auto udes, ako je taj zdravstveni plan pokriven pod tim federalnim zakonom – ERISA zakon.

Šta je ERISA zakon?

Takozvani Employee Retirement Income Security federalni zakon, u nekim slučajevima imaju pravo da dobiju novac nazad.

Veoma je važno da se zaključi da li oni zapravo imaju pravo. Da li su pokriveni pod tim zakonom? Ponekad će zdravstvena osiguranja poslati pismo i reći, hej, mi imamo pravo da dobijemo novac nazad ako vi nešto dobijete od osiguranja, od auto udesa. Ali nažalost nisu upravu. Tako da je veoma važno da se ustanovi da li je taj plan pokriven pod tim zakonom.

Kako to ustanoviti?

Tu ima par puteva kako se to može ustanoviti. Ali je veoma važno da se naglasi najbolji put. Da se to ustanovi jeste polisa, ili taj plan, ili taj jezik u planu. I veoma je važno pročitati čitav taj plan da se ustanovi da li oni imaju pravo ili ne.

Važno je to ustanoviti što prije moguće, prije nego što se završi slučaj. Onda imamo mogućnost da sa njima pregovaramo i da spustimo tu cifru što su oni platili za vaše medicinske račune.

Mi veoma drastično spustimo tu cifru. Jer oni isto tako znaju ako ne budu kooperirali sa nama, mi imamo pravo da samo dignemo ruke od čitavog slučaja i niko neće ništa dobiti.

Tako da je veoma važno prije nego što se završi slučaj da se ustanovi da li je vaše privatno zdravstveno osiguranje pokriveno pod ovim zakonom, i da li imaju pravo da dobiju taj novac nazad.

Ako imate bilo kakvih pitanja? Nazovite me na 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Missouri generally speaking does not allow reimbursement rights to private health insurance plans.

What is ERISA law?

Federal law preempts state law and there is it’s called ERISA Law and Car Accidents . Employee Retirement Income Security Act, basically, a federal law that governs these health insurance plans, and sometimes they are allowed to be reimbursed from your car accident settlement.

It’s very important to really figure out if they have those reimbursement rights. Because sometimes they will claim to have them, then when you look at their plan language and it’s clear as day that they’re not.

So, it’s very important to figure out if the plan is actually self-funded. And, there’s a couple of ways to go about doing it, so if the plan is provided by your employer or your spouse’s employer and you’re covered by that plan, you have to look a little bit deeper. However, if you get that plan from a private place, so you get it from a broker, most likely or in most instances is not self-funded and they don’t have a reimbursement right.

Health insurance plan

To dig deeper, so, one of the other ones is if the health insurance plan is provided by the federal or state government. Those are actually not governed by ERISA. There’s a separate federal law that governs the state or federal governments. It’s… The name slips my mind right, but it’s a different federal law.

That if the plan is provided by the employer they have to fill out some forms with the government. One of those forms is the 5500, and when you take a look at that form It’s basically a tax form if you take a look at that form. And if the box check just saying insurance, then you’re probably not dealing with a self-funded plan.

However, if the general assets are checked or trust is checked on that form. Then you need to do some further investigation and figure out if they really are a self-funded plan. However, nothing is more important than taking a look at the plan language itself.

My advice

So, what I always advise my clients is, get me the entire policy. The entire plan, so we can dig deep and figure out if they are entitled to reimbursement under the ERISA laws. If they aren’t entitled to reimbursement obviously we have to pay them.

It’s important to figure that out before you settle the case. They are only entitled to get that money back if you make a recovery. They know before we settle the case, if they don’t want to negotiate with it then we’ll just walk away and nobody’s going to get anything.

So, in most instances there are in the plan itself for example, there are provisions on getting those liens reduced. We are in most instances able to get them reduced drastically. So, more money remains in our client’s pockets.

If you have any questions? Please don’t hesitate to give me a call at 314-350-4710.

Watch this video on YouTube

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

To je pitanje koje se često završi prvih par sedmica nakon auto udesa. Par stvari koje moramo imati u vidu. Recimo da osiguranje izađe da se proračuna materijalna šteta auta i kaže: „Totalna materijalna šteta auta i mi ga želimo isplatiti i mi vam nudimo 10.000 dolara.“ Međutim, Vi mislite da je auto vrijedno 12.000 ili 13.000. Odakle oni dobijaju tu vrijednost? Da li je to Kelley Blue Book, da li su to privatne trgovine ili to dobijaju od dilera, odakle cifra od 10.000 dolara? Osiguranje ima sistem, imaju svoje ljude koji se bave tim stvarima. Oni traže neku vrijednost u radijusu oko 50 milja od vašeg mjesta boravka. Ako vam ponude 10.000 i vi niste zadovoljni tom cifrom, imate sljedeće opcije: morate dokazati da je to auto zapravo vrijednijen od 10.000.

Kako to uraditi?

Morate uraditi zadaću. Provjeriti koliko je to auto vrijedno na Kelley Blue Book. Morate provjeriti koliko auto vrijedi kod osoba što ih privatno prodaju, morate provjeriti kod dilera vrijednost vašeg auta. Drugi način da se ustanovi vrijednost auta, mora se platiti, a to su profesionalni servisi, platite čovjeka koji će raditi za vas, dođu pregledaju auto i naprave procjenu. To pošaljete osiguranju i na osnovu toga počinjete da pregovarate.

Nadamo se da vam je ovo pomoglo.

Ako imate bilo kakvih pitanja nazovite nas na 314-350-4710

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Da li mogu dobiti gubitak upotrebe vozila ako je oštećeno nakon auto udesa?

Primjer toga (gubitak upotrebe vozila) jeste, ako vam je oštećen nakon auto udesa kamion, kombi ili auto koje koristite za posao. Odgovor na to pitanje je da vi od osiguranja imate pravo da dobijete odštetu na to.

Primjer: Ako sedmično zaradite 4000 dolara vozeći kombi i niste u mogućnosti da vozite dvije sedmice. To bi bilo nekih 8000 dolara. Međutim, zakon nam nalaže da mi moramo smanjiti naš gubitak onoliko koliko je to u našoj moći. Ako vi možete za sedmicu dana iznajmiti kombi za 1000 dolara. Zatim, nastaviti raditi sljedeće dvije sedmice i zaraditi 8000 dolara, vaša šteta nije 8000 već 2000 dolara, što ste morali platiti za kombi da ga iznajmite.

Nadamo se da vam je ovo pomoglo.

Ako imate bilo kakvih pitanja nazovite nas na 314-350-4710

Pogledajte YouTube video na ovu temu

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

We come across this situation quite often actually. Let’s assume, you are on the job. And you are driving from scene to scene and you get involved in the car accident and injured on the job.

What are your rights, what can you do?

Actually, in that case, you’ve got two when the use of recovery. The first one is going to be, the worker’s compensation system. Under Missouri law, work comp system. If you’re injured on the job, you are entitled to get, lost wages. If the doctor tells you that you are unable to work, they have to pay for your medical treatment. And they have to give you permanency based on that injury.

So, once you get better, once you reached the maximum medical improvement, you can get your worker’s compensation case wrapped up, get the compensation that you are entitled to underwork comp system, and the next step is to pursue your third party recovery from the at-fault driver in the car accident or their insurance company.

In any case, you want to wrap up your work comp case first, and then pursue the third party case. Why? Because once you start wrapping up your third party case, you will have to pay some money back to be workers compensation carrier for the compensation paid on your behalf. There is a formula out there that kind of dictate how much recovery they can get from the third party. But in any case, your lawyer can get that reduced even further.

Why that is the case, why we are ably reduced even further?

Well, if you don’t wrap up your third party case then the work comp carrier doesn’t get anything. It’s in their interest to work with us, to tell us, hey listen, if you go ahead and wrap up your third party case, we are willing to take a little bit less money then what we would be entitled to. So, everybody’s happy in the end.

If you have any questions about car accidents and job injuries, give me a call 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Danas ćemo Vam navesti stvari koje trebate da uraditi odmah nakon što ste udes desi.
Nekih 6 miliona udesa se desi ovdje u Americi godišnje. Većina njih ne prouzrokuje tjelesne ozljede, ali jedan od tri prouzorokuje iste. Tako da je veoma važno znati, šta uraditi odmah nakon auto udesa.

PRVO

Prva stvar koju trebate uraditi jeste, nemojte ići sa lica mjesta.
Nema veze koliko je mali auto udes, ostanite na licu mjesta, nemojte da idete nigdje.

DRUGO

Druga stvar jeste, zaštitite scenu gdje se udes desio, tako da auta koja dolaze na tu scenu ne udare u vas ili u auto koje je bilo sa vama u udesu.

TREĆE

Od stvari koje trebate uraditi jeste, nazvati policiju. Nema veze koliko je udes mali, u svakom slučaju nazvati policiju.
Ako oni vam kažu da neće da izađu na lice mjesta, to je do njih. Ali u svakom slučaju nazvati policiju.
Nemate pojma koliko sam problema imao sa udesima gdje osobe ne nazovu policiju i onda se priče mijenjaju nakon tog udesa.
Napravite dobar zapis, zapišite sve što možete. Šta se desilo, kako se desilo, jer ljudi zaboravljaju, i onda kad se odmah zapiše šta je se desilo, možemo se prisjetiti kasnije.
Slikajte što više možete, slikajte auta, slikajte druge osobe, slikajte scenu, slikajte raskrsnicu, slikajte semafor koji je tu, slikajte sve što možete, jer vam slike mogu kasnije pomoći u auto udesu. Razmijenite informacije sa drugim vozačima.
U svakom slučaju, ime, prezime, osiguranje, i sl., kontakt, broj telefona, adresa. Šta je veoma važno, jeste, uzeti informacije od svjedoka.

Policijski izvještaj

Nemate pojma koliko je se puta desilo do sad da svjedoci nikad ne završe na policijskom reportu.
Iako ostanu tu na licu mjesta i pričaju sa policijom. Ako ste u mogućnosti, uzmite kontakt informacije od svjedoka, pošto oni mogu kasnije biti veoma dobri za vaš slučaj. Napravite report sa svojim osiguranjem. Nazovite ih, recite im šta je bilo.
Ako oni vide da ste vi krivi, oni će platiti vašu štetu, ali nikad na licu mjesta udesa ne priznavati da ste krivi, to pustite policiji, to pustite osiguranjima neka rade za vas. Ako ste ozljeđeni, normalno ako ste ozljeđeni u ovim slučajevima nemate šta puno tražiti osim čekati da vam dođe hitna pomoć i da vam pomogne. Ali ako niste odmah ozljeđeni, ako tek nakon par sati osjetite da se ne osjećate dobro, da imate neke bolove.

Obavezno idite doktoru

Idite doktoru, nemate pojma, koliko puta sam imao klijente gdje čekaju mjesec dana da odu doktoru i onda im osiguravajuće kuće kažu, čekao si mjesec dana to znači da ovaj automobilski udes nije mogao prouzrokovati vaše ozljede. Ako vas nešto boli, idite doktoru odmah, nemojte čekati mjesec dana. Čuvajte sve, čuvajte svu papirologiju, čuvajte sve to na jednom mjestu, jer vam može zatrebati kasnije. I zadnja stvar, zato smo mi tu. Konsultujte se sa advokatom. Ne košta vas ništa i mi bi rado odgovorili na sva pitanja koja imate nakon auto udesa.

Ako imate neka pitanja, nazovite nas na broj telefona 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

About 6 million car accidents occur in the US annually. Most of them are only property damages. But one in three actually do cause personal injuries.
It is important to know, what to do as soon as the accident happens so you are prepared. Obviously, you are hoping that it never happens to you. Unfortunately, we deal with a car accident here in the office. And they happen, it is what it is and these are thing you need to do.

The number one thing that you have to do is, STOP, don’t ever leave the scene of an accident

Even if it’s just a minor accident. The second thing that you can do is, and obviously, some of these only apply if you are not seriously injured. If you can do them if you are injured just wait for medical help to arrive.

The number two thing is to protect the scene, make sure that no oncoming accidents, traffic will be involved in the same accident. 

Number three, call the police.

Even if it is a minor accident one of things you need to do, call them. Sometimes your insurance company will want a police report and they’re going to give you trouble if you did not call the police. I’ve had a lot of issues when people do not call the police.
Make an accurate record. When the police arrived, make sure you tell them exactly what happened as far as you know.
Do not speculate on anything, don’t admit say hey it is my fault or and of that.

If you are able, and most of us carry a cellphone around, take pictures. Take pictures of a car, pictures of a car accident scene, pictures of the intersection. Whatever you can, take pictures of. They may be useful down the road. Exchange information, this is one of the important things. Get the names of the driver of the other vehicle. Get names and contact information of any witnesses that may have seen the accident.

Report the accident to your insurance company, and tell them what happened. They are gonna make a determination as to how they want to proceed with that. If you are injured, seek medical care. So many people just do not seek medical help that they need.

They are trying to tough it out, it’s gonna go away. And in a month later they’re forced to go to a doctor. And the insurance company is gonna say; well because of the gap in treatment we are not going to honour these injuries.

Keep a file of all things that happened from the day of a car accident. One of the most important things you need to do is to seek help from an attorney.

If you have any other questions for me, call me at 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Probably, a better person to answer this question would be your insurance agent.
However, trough my experience with these car accidents, pretty sure I can talk about it cause I’ve seen it all.
What we have got to, kind of differentiate is at fault, meaning you cause the accident, it was your fault vs not-at-fault accident.
Meaning somebody else causes the accident yet you are running it through your own insurance company. Generally speaking, car insurance rates go up about 30-31% on average nationally after one at-fault accident with more than $2000 in damages or $450 per year. It is just a little bit more for al fault accident with bodily injury involved.

How much can your auto rate increase after an accident?

There are so many factors that are going to coming to play after that, that is very difficult to say.
Sometimes it’ll stay the same, so, for example, the accident was really minor, around $2000 it may stay the same, and the insurance company will let it slide. On the other hand, if it’s a major accident, major personal injuries, your insurance may increase.
It’ll go between 12-80% for a fault accident. In Missouri, the average rate for car insurance is $1288, and rates after a car accident are $1500-1600. That’s about 22% increase in Missouri after one at-fault car accident.
If you got more than one, then your insurance is going to skyrocket, meaning a fault accident you cause them.
On the other hand, the not-at-fault accident is different. If you, let’s say, rear-ended by an uninsured motorist, and your uninsured motorist coverage kicks in. It’s still going through your own insurance company. However, it wasn’t your fault. Chances are if it is your first time your rates will not increase at all.

However, if you have got more than one not-at-fault accident in the last three years the insurance company will not increase your rates because of this last one. But, they’ll increase your rates based on your history and how much insurance companies had to payout.

In a minor car accident is it really worth to file a claim with my insurance company?

The general answer that I get from experts is; if the damages are around the number for your deductible, do not do it.
Even if it is a couple of hundred dollars more than your deductible. The other thing is that some of these insurance companies have got accident for plans. Which means some of them will charge you a little bit more. But if you are involved in an at-fault accident for the first time they are not going to raise your premiums. You get a free pass, I guess.

If you have any other questions for me, call me at 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Da li će moje auto osiguranje poskupljati ako imam udes?

Moramo razlikovati dvije vrste udesa; udes gdje ste vi krivi i gdje niste krivi. Oba idu preko vašeg auto osiguranja.

Primjer 1: gdje ste vi krivi

Statistički je dokazano da će se vaše osiguranje povećati za 31% ili nekih $450 godišnje ako imate jedan auto udes gdje ste vi krivi. Dosta faktora utiče na to da li će vam auto osiguranje poskupljati.
Neki od njih su; kolika je šteta. Ako je šteta negdje oko $2000, neki od ovih auto osiguranja će reći, ok, nema nikakvih problema to je malo.
Međutim, ako nanesete veliku štetu i velike tjelesne ozljede, onda možete očekivati da će vam se osiguranje povećati.
U Missouri-ju specifično, prosječno osiguranje za godinu dana košta nekih $1288, a ako imate jedan udes gdje ste vi krivi, košta nekih $1570.
To je porast od nekih 22%.

Primjer 2: udes gdje vi niste krivi

Neko vas udari pozadi, ta osoba nema osiguranja i vi još uvijek idete preko svog osiguranja da popravite auto, za tjelesne ozljede isl. Zakonski gledajući na to, osiguranja ne smiju vam povećati osiguranje samo za taj jedan udes gdje nije vaša krivica.
Međutim, ako ste imali 3-4 udesa zadnje 3 godine, gdje vi niste krivi, a gdje su osiguranja morala platiti neki novac.
Onda oni gledaju čitavu vašu historiju, koliko će biti vaše auto osiguranje.

Pitaju me često, iplati li se ovo prijavit na osiguranje?

Kad dođe do materijalne štete, ako je šteta bilu zavšeg “deductible” kao što zovemo, što morate platit iz svoj džepa.
I ako je skuplje za $100-$200 ja bih vam preporučio da ne prijavljujete osiguranju takve udese.
Ali, ako je šteta veća, u svakom slučaju bi trebalo prijaviti. Neka osiguranja imaju programe gdje vam oproste prvi udes.
Neka od njih naplaćuju malo više za te usluge, kao prvi put vam je džaba gratis.
A ako prouzrokujete neki udes, nećemo vam povečati cijenu osiguranja.
Osiguranja kao što je Liberty Mutual ja mislim da ne plaćam ništa više ali imam te beneficije.
Neka od njih zahtijevaju da ste sa njima par godina prije nego što možete dobit te beneficije.
Treba se u svakom slučaju raspitati, da li vaše osiguranje ima to pošto može uticati na cijenu udesa.

Nadam se da će vam ovo pomoći. Ako imate bilo kakvih pitanja nazovite me na 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be car accidents and police reports. Even if you’ve never been in a car accident before, you may have heard of a police report.

What is a police report?

It’s actually a report generated by a police officer who shows up at the scene of an accident.
In the same, he’s going to have some facts, date, time, location of the accident, and sone of his opinion asked what happen in the accident.

How do I get a police report?

At the scene of the accident, you will get, it’s called, accidental funeral card, which will have the police report number on it.
One way to get it is to contact the police station, responsible for that police report, and order the same.
It usually takes a couple of weeks to get it and cost 6 to 20-30 bucks.
The other way to get it is, if you file the insurance claim, you can ask your insurance adjuster to send you a copy of the police report.

What is the content of the police report?

As I mentioned previously, it’s got fact, and it’s got some opinion.
The facts would be, time, date, location, identifying information; name, phone number, address, insurance information…
Some of it will be the narrative of the police officer as to, what he found out one he talked to all parties involved.
What he found out talking to the witnesses to the police report. Sometimes you hoping that if the witness stayed at the scene, the police officer will have it in his police report.
However, I’ve seen it, not be the case. If you’re able to make sure you get the witness information at the scene of the accident.
As I mentioned, fact vs opinion. Facts are basically, as I said location, time, date, etc.
The opinion is determination od the police officer as to what happened in the accident.

How does the insurance company use the police report?

It’s got a lot of identifying information and the first thing that insurance companies want to do once the accident happens is to get their hand on the police report and start contacting all parties involved, cause they want to get recorded statement from them.

Why do they want to do that even if it is all in the police report?

The question is the admissibility in court. Facts are admissible in court, but opinions are not.
The police report got a lot of opinion from the police officer and therefore generally it’s not admissible to let’s assume prove guilt.
The police officer in his police report said you are at-fault therefore that’s the case, you can’t use it for that purpose here in Missouri.

That’s kind what you get from the police report after a car accident. If you have any other questions for me, call me at 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is uber and lyft accident.

Whose insurance applies if you are injured as a passenger in an uber or lyft accident?

If you are rear-ended as a passenger in an uber or lyft vehicle, then obviously if the vehicle that caused the accident, the one behind you did have insurance, then their insurance is gonna kick in and cover all of your damages, if they had enough coverage.

What if the accident is caused by the lyft or uber driver, what if he ser or she have called?

Well, in that case, their insurance company kicks in, so the uber or lyft drivers insurance company kicks in if they had a business use exception under the same.

There’s got to be that exception otherwise they’re not gonna pay for it. If they did have it, their insurance company is gonna pay for it.

However, if they did not have that business use exception. And they’re at fault then the good news is that uber and lyft do have an uninsured or underinsured coverage of a million dollars.

What about insurance?

Even if the insurance for the lyft or uber driver kicks in. But God forbid it’s not enough for your injuries. Then uninsured and underinsured coverage that uber and lyft carry of a million dollars kicks in and they pay for your bodily injuries.

It will also kick in if the other driver that hits you did not have coverage and the insurance for the uber/lyft driver doesn’t kick in.

The example we used initially as an uber or lyft passenger, you guys get rear-ended. The vehicle that caused the accident behind you did not have coverage. And the uber and lyft drivers insurance doesn’t kick in.
Then again uber and lyft do have uninsured or underinsured coverage up to a million dollars for your bodily injuries.

If you have any question about uber or lyft accident call me 314-350-4710. Thank you.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

What are you entitled to if you are injured by a drunk driver in a car accident?

Basically the steps are almost all the same, except when it comes to damages, there’s an extra aspect to it.
Those claims or lawsuits are usually worth a little bit more money, while I say a little bit, probably a lot more than your standard car accident.

Let’s assume you get rear-ended by a drunk driver, so, you are still entitled to get property damages paid by either his or her insurance company if they had it at the time of the collision, or your underinsured motorist coverage if they were not insured at the time of this collision. So, back to your damages.

Number one!

You still are entitled to property damages.

Number two!

You are still entitled to your medical bills.

Number three!

You are entitled to your lost wages.

Number four!

You are entitled to pain and suffering.

In addition to those four that you’re entitled to, even if the driver was not drunk.
You are now also entitled to punitive damages against that driver if that case goes in front of a jury and they decide because of his drunk driving he should be made an example of, and he should be punished.
Therefore the punitive damages aspect of a drunk driving claims.

Insurance companies try their best to resolve those before lawsuits file, sometimes we have to file it and push it all the way through.
They end up paying on them, anyways because at the end of the day the cards are stacked against them if the vehicle was driven by the at-fault party also driven by a drunk driver.

Is the drunk driver automatically at fault if an accident happens?

And, the answer is no, he’s not!
Let’s assume you driving down the road and you rear-end a vehicle that stopped at a stop sign.

Whose fault is it?

Well, it’s your fault but let’s assume the driver that you rear-ended was drunk. Can we fault him for anything in this instance? The answer is, no, we can’t!

Therefore, they’re not automatically at fault. It gets trickier the deeper we go into it. So, let’s assume you are using your cell phone, driving down the road, you blowers red light, and you t-boned somebody, whose fault is it?

Well, turns out it’s your fault! Let’s now assume that the other driver was drunk at the time of this collision.

The question is, is he at fault? He may be because Missouri is a pure comparative fault state, so that drunk driver may carry a little bit of the fault.

Let’s assume he saw you coming down the street and he’s still proceeded to enter the intersection.
So, a little bit of fault can be attributed to him.

Could he have avoided this collision?

For the fact that he was drunk, it’s a fact question for a jury to decide. So, the short answer to the question, is the drunk driver automatically a fault if there’s an accident?
The answer is no.

We still need to prove that there was some negligence on their part.

If you have any questions call me at 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be whether or not you are covered under your own uninsured motorist policy if you are struck by another vehicle that is either left the scene or uninsured and you were the pedestrian.

Unfortunately, these things happen, and I’ve handled quite a few pedestrians related accident cases. The question is always, and a lot of people don’t even know that your uninsured motorist coverage under your own policy covers you, and in most instances your immediate family, if you are injured as a pedestrian.

The statistic

The statistic shows that a lot of pedestrians are injured annually in the US. And the statistics also show that there is a lot of hit and run accidents on pedestrians. Meaning that person that commits or is at fault for the accident left the scene. There are a lot of instances. And I think the numbers here in Missouri are around 15-20% of an uninsured motorist. Meaning that your chances are 1 in 5 that if you’re struck by a vehicle as a pedestrian that person will not have coverage to protect you. Therefore, your uninsured motorist coverage kicks in.

So, you are protected, if you have car insured policy. As well, your immediate family, your wife, kids and so on. I think your kids also protected if they’re away in college, and God forbid something happens to them. Don’t be discouraged once those bills start rolling in from the hospital and all that stuff.

Talk to a lawyer

Talk to a lawyer, he or she will give you more than enough information about UM coverage that will kick in. Make sure that there is a report police file.

If you have any other questions related to struck by a hit and run driver as a pedestrian please don’t hesitate to give me a call at 314-350-4710. Thank you and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is an interesting one, and it is phantom vehicle law here in Missouri. Nothing is, I want to say nothing is worst, but few things are worst than being involved in a car accident. And one of those situations can be if the other vehicle actually leaves the scene of the accident.

Another point can be, that vehicle never really touched your vehicle. But kind like pushed you out of the road by entering into your lane on the highway. I had one of those. Or the vehicle enters your roadway, coming from the opposite direction. And you are forced to swerve to avoid that vehicle and then you hit a tree. Had a case like that as well.

Am I and then people are actually worried that the insurance companies not going to cover because no other vehicle touched your vehicle and just looks like you ran off the road and hit a tree.

Possibility of recovery under the phantom vehicle law in Missouri

However, there is a possibility of recovery under the phantom vehicle law in Missouri. And the phantom vehicle as used by an insurance company refers to a vehicle involved in an accident where neither the driver nor the vehicle can be identified after the fact. It’s a tricky one to prove, so that’s why it’s also very important to contact a lawyer that’s handled these things before.

Because, obviously first thing first, you got to call the police, and you got to tell them what happened. The other thing is, if there was a witness that stops after the accident, you get their information, obviously if you are able, to not to badly injured to do that. Get their information, because their testimony may be vital to proving that there was another vehicle.

Because, if you are by yourself in the vehicle, and you hit a tree because another vehicle entered your roadway and you swerved to avoid him. It’s just your word, against the insurance company, who is going to say like, well we don’t believe you basically. It’s very important to get a police report. Get contact information of any witnesses that stop after, and see if they have seen anything.

The phantom vehicle does not require to contact some other jurisdictions

One other thing that is particular to Missouri is that phantom vehicle does not require to contact some other jurisdictions required that there was contact and basically for red car swipes a white car. You’re going to have some paint swipe on each one of those.
It’s kind of easier to prove, but in Missouri does not require contact. Meaning that if you driving down the road, two-lane, one in each direction and the driver coming towards you. Swerves into your lane you swerved right to avoid that vehicle, without touching it. In Missouri, you are still entitled to recovery under the phantom vehicle law if you are able to prove it obviously. In other jurisdictions, if there was no contact you will not be able to recover anything.

Hope this helps, if you have any questions regarding a car accident here in the St. Louis area. Don’t hesitate to give me a call at 314-350-4710. Thank you and you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be deposition in a car accident case lawsuit. Depositions are part of the discovery phase in a lawsuit. The lawsuit is commenced once we file a petition and the second phase of the lawsuit is usually discovery. The first phase of in the discovery is written in derogatories and then usually the second phase is the depositions.

What is a deposition?

A deposition is basically an opportunity for parties to sit down with people that have got the information that is pertinent to the case and ask them oral questions.

Who can be deposed?

Usually, the car that was involved, if there are passengers if there are witnesses, the doctors that have been treating the people that were injured and in certain instances the investigating police officers.

Who will be present at those depositions?

It’s the witness, the lawyers that will be asking questions, so if there is more than one party to the proceeding, there is going to be usually their lawyers are going to be present at those depositions and allowed to ask questions of the deponent.

The deposition testimony

The deposition testimony is given under oath. So what you have to keep in mind that any of all answers that you swore to be the truth. And the whole truth and nothing but the truth. So if you are caught lying that’s not a good thing you can be subject to civil as well as criminal penalties. And the most important thing is to as truthful as you can. Piece of advice that I give my clients is that it’s okay not to know to answer an answer. It’s okay to ask for clarification if you don’t understand the question that’s been asked. And it’s okay to not guess to certain things. If you are asked to guess the distances, the speeds and so on. It’s okay to say I don’t know the answer to that question or I’m not 100% certain. So it’s perfectly fine.

What type of questions will be asked in the deposition

Those questions are very similar to interrogatory questions, except that once you kinda open the door, once the question is answered in the certain way lawyers tend to pursue that pattern. It’s gonna be who you are, your name, address, date of the birth social security number the fact of the lost.

How are you related to the accident?

If you are a plaintiff you are gonna be asked: What happened, date, time location? And if you are the plaintiff the third part is going to be injuries. Treating physicians your diagnosis, your prognoses and so on, medical bills related to the accident. Those are the typical questions that you are gonna see in a depositional in a car accident case.

Hope this helps. If you have any other questions about a deposition in a car accident case give me a call 314-350-4710.

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Today’s topic is actually going to be motorcycle law and accidents in the state of Missouri. We do mostly car accidents here at the office, but we also handle motorcycle accidents which are very similar but yet different from car accidents.

Legally speaking do I need a motorcycle licence if I want to try the motorcycle in the state of Missouri? 

Yes, you do! You have to pass the written exam, as well as the on-cycle skills test in order to get your motorcycle drivers licence. That’s the M. endorsement on your driver’s licence. If you don’t have that you can get a ticket and if you’re involved in an accident you may be prevented from recovering for your personal injuries. It’s important to follow those lost get a motorcycle licence. I was thinking about getting it once, and then you know I got married had a kid and I was like too dangerous to me. When it comes to insurance minimums they are the same across the board, so you have to have bodily injury liability per person. $50k bodily injury for all persons involved. $10k property damages and then they have to sell you the $25k uninsured motorist coverage.

I would advise you get higher limits in particular if you gonna be on that motorcycle.

In particular, get very high $250k for the uninsured motorist as well as underinsurance motorist coverage. Recently the Missouri legislature repealed the mandatory helmet law for people 21 years old and older. If you’re 21 and older you don’t have to wear a motorcycle helmet from riding a motorcycle. If you’re under the age of 21, you still have to wear a motorcycle helmet. A little crazy that law, I know, but it is what it is so far. If you’re injured in a motorcycle accident same law supply as for the car accidents. If you’re not at fault you are entitled to recover your property damages, medical bills, lost wages, pain and suffering in case of some wrongdoing by the tortfeasor. Common wrongdoing like DOI driving under the influence of alcohol. You maybe be entitled to punitive damages as well. That’s the Missouri motorcycle accident law.

If you have any questions for me, don’t hesitate to call me at 314-350-4710. Thank you and stay safe out there.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Can you prove someone was texting and driving when the car accident occurs?

Yes. It is extremely difficult.

There are two ways we can go about it

Number one – cell phone records.

You can petition to have a cell phone records used in your case in order to prove that another driver was texting while driving. Specifically at the time that the accident occurred. They would need to be subpoena through the court system. However, in most instances, it will be difficult to prove that, at the exact time when the accident occured, the negligent driver was texting and driving.

Number two – Witnesses.

They can include bystanders who saw the accident take place, other drivers or pedestrians. Witnesses should provide their statement to the police officers at the scene of the accident as quickly as possible. In some cases your witnesses may need to be a subpoena, to give a testimony about the texting while driving behaviour they saw. In our experience witness, testimony is best when trying to prove texting and driving and preferably in conjunction with cell phone records. Together witnesses and cell phone records are the best.

Statistic

It’s scary because the statistics about texting and driving are scary. The National Safety Council reports that 1.6 million crashes each year on US roads are caused by texting and driving.

One out of every four accidents in the United States is caused by a driver that was using a mobile device while driving. And if that’s not scary enough, AAA did a study as well. Talking to teen drivers.

Hope this helps and if you have any question or need additional information about this or any other topic, please don’t hesitate to give us a call at 314-350-4710. Thank you very much and you have a good day.

Also, read more about another topic: https://brlegal.net/docs/should-i-give-a-recorded-statement-to-the-insurance-company/

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Faktore koje razmatramo pri procjeni auto udesa u raskrsnici. Slijede faktori i zašto može biti teško dokazati odgovornost u sudarima u raskrsnicama.

1. Promjena priče – Ovo je moja omiljena.

Vozač koji je kriv često negira odgovornost i mijenja činjenice kada ih saslušaju policija i njihovo osiguranje. Priča se promijeni.

2. Odsustvo svjedoka.

Svjedoci obično nastavljaju svoj put bez zaustavljanja i davanja imena policiji. Nemamo svjedoka.

3. Detaljna pravila puta.

Zakoni koji se tiču raskrsnica, signala i propuštanja drugom prometu mogu biti malo komplikovani i svi vozači ne znaju iste.

4. Vješta odbrana.

Osiguranja ili njihovi advokati obično mogu pronaći ili napraviti neki element nepažnje sa vaše strane, koji će umanjiti vrijednost vašeg slučaja. Sada idu faktori koji utiču na jačinu vašeg slučaja odgovornosti u raskrsnicama.

Zakon u Missouri-u ako vas neko ozlijedi u auto udesu, a vi nemate auto osiguranje. Ako upravljate motornim vozilom u saveznoj državi Missouri po zakonu morate da imate auto osiguranje na svom vozilu. Ako to nemate tada su veće posljedice za vozača koji nisu osigurani nego ikada prije.

Vožnja bez auto osiguranja u državi Missouri

U osnovi ako vozite u Missouri-u bez auto osiguranja, posljedice su da ste ograničeni šta možete naplatiti ako ste ozlijeđeni krivicom drugog vozača. Missouri je sada jedna od država ovdje u USA koja je uvela zakon da ako ne platiš ne možeš igrati ovu igru. To znači da – Ako ste povrijeđeni u nesreći bilo gdje u državi Missouri i nemate auto osiguranje, možda ćete biti ograničeni na to da se u potpunosti oparavite zbog svojih ozlijeda. Čak iako je drugi vozač kriv 100%.

Nemate svoje auto odiguranje?

Ovaj zakon kaže da neosigurani automobilista ne može povratiti bilo kakvu ne-ekonomsku štetu koja nastaje usljed saobraćajne nesreće. To znači da ako nemate svoje auto osiguranje nemate pravo na bilo kakvu naknadu novca za pretrpjeli bol ili strah svojih ozlijeda. Jedino što ćete vjerovatno oporaviti su troškovi vaših medicinski računa i materijalna šteta na vozilu. Zakon to dodatno produžava i ograničava. Oporavak čak iako nemate svoj automobil. A neosigurano vozilo pozajmite od prijatelja. Možda čak ne znajući da automobil koji pozajmljujete nije osiguran.

Ako vas udari vozač koji je 100% kriv?

Ako vas udari drugi vozač koji je i dalje 100% kriv, ostaje vam zabranjeno da dobijete naknadu za svoje povrede. Ima nekoliko izuzetaka od ovog zakona, kao i svakog zakona. Npr. Ako vas je udario vozač pod uticajem droge ili alkohola.

Ako imate bilo kakvih pitanja ili su vam potrebne dodatne informacije nazovite nas na: 314-350-4710. Hvala i prijatno.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Rear end collision factors we consider in evaluating injury cases. Today we are going to talk about factors we consider in evaluating injury cases. Today’s topic is the most common – the rear end collision. Rear end collisions are one of the most common types of auto accidents, most occur when the stopped vehicle is waiting in traffic, waiting to turn left or right, or waiting for a light to change.

Police report

The police report will frequently place fault on the moving vehicle. Usually for following too closely or for inattentiveness. The driver of the moving vehicle will often admit liability to the police officer to you or other witnesses at the scene. Insurers usually pay considerable attention to police reports. However, sometimes carriers order defence attorneys will claim no liability due to sudden and unexpected stopping, failed to signal when stopping to turn, not yielding before pulling into the trafic or brake defects. An experienced injury attorney will want to learn about the following items when assessing the certainty of liability in your rear end collision.

1. Vehicle position.

Was your car stopped in traffic? Waiting for the light to change, turning left or right slowing down for traffic, waiting to turn into a drive-in.

2. The other driver’s speed.

What was the approximate speed of the vehicle that struck yours?

3. His or her following distance.

Did you see how far away the colliding vehicle was before the crash?

4. Your use of turn signals.

If you were about to turn, did you have your turn signal on? For how long?

5. The vehicle damage.

Is the damage to the car minimal, moderate or it’s severe? Do you have any pictures of the damages? Pictures usually are very helpful in these cases.

6. Any drivers statements.

Did either of you or the other driver say anything about the fault at the scene?

7. The existence of witnesses. Where there any impartial witnesses to the accident?

Somebody that was walking by maybe.

8. Alcohol use.

Were either of you or the other driver drinking prior to the accident?

9. Any credible passengers.

What I mean by that. Did either car had riders in them, and how persuasive are the accounts of the accident? How persuasive are they as witnesses?

10. The driving conditions.

Was the road slippery due to the rain or snow? Was it sunny, dark, foggy or stormy?

11. The functioning of your lights.

Were your signal and brake lights working at the time of this collision?

12. Any defences.

Is the insurer suggesting that break defects, icy conditions, sun in the eyes, or failure to signal to blame? Can the prove that? – key question.

Those are the factors that we consider and if you have any questions for me give me all at 314-350-4710.

We will be more than glad to chat with you about your accident. Have a safe day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Faktori sudara otpozadi koji advokati razmatraju u procjeni slučajeva za tjelesne ozlijede. Danas ćemo razgovarati o faktorima koje razmatramo u procjeni slučajeva povreda. Današnja tema je najčešća – sudar otpozadi. Sudari otpozadi su najčešća vrsta automobilskih nesreća. Najčešće se događaju kada zaustavljeno vozilo čeka u prometu, čeka skretanje ili čeka da se promjeni svjetlo na semaforu.

Policijski izvještaj

Policijski izvještaj često će predstavljati krivicu za vozilo u pokretu. Što obično znači – ako niste držali bezbjedno odstojanje ili zbog nepažnje. Vozač vozila u pokretu često će priznati odgovornos policajcu, vama ili drugim svjedocima koji su bili na licu mjesta. Osiguravajuće kuće obično poklanjaju značajnu pažnju policijskim izvještajima. Međutim ponekad osiguravajuće kuće ili njihovi radnici neće preuzeti nikakvu odgovornost zbog naglog ili neočekivanog kočenja. Neuspjeh da se signaliziraju pri zaustavljanju ili neispravnosti kočnica. Iskusni advokat za auto udese želi znati sljedeće stavke prilikom procjene ovakvih slučajeva odgovornosti u sudaru.

1. Položaj vozila.

Da li je vaš automobil bio zaustavljen u prometu čekajući da se promijeni svjetlo na semaforu? Da li ste pokušali da skrenete lijevo, desno ili nešto slično.

2. Brzina drugog vozila.

Kolika je približno bila brzina vozila koje je udarilo u vaše. To nikada nećete znati tačno ali približno će biti dovoljno.

3. Udaljenost drugog vozila.

Jeste li vidjeli koliko daleko je bilo vozilo od vašeg auta prije sudara. Ni to nećete tačno znati ali ljudi odprilike znaju procijeniti udaljenost.

4. Vaša upotreba žmigavca.

Ako ste trebali da skrenete, da li ste uključili svoj signal, koliko dugo je taj signal bio uključen?

5. Oštećenje vozila.

Da li je šteta automobila minimanla, umjerena ili čak velika?

6. Imate li slika?

Slike su idealne u ovakvim situacijama gdje možemo neke stvari dokazati. Sve izjave vozača. Da li ste vi ili drugi vozač rekli nešto o neispravnosti na mjestu događaja policiji, svjedocima ili slično.

7. Postojanje svjedoka. Da li je bilo svjedoka nesreće osim vas ili drugog vozača? Ako jeste moramo što prije sa njima popričati.

8. Upotreba alkohola.

Da li ste vi ili drugi vozač pili alkohol prije nesreće?

9. Svi uvjerljivi putnici.

Da li je automobil imao druge putnike sa sobom? Koliko su ubjedljivi njihovi izvještaji nesreće. Koliko se takvim ljudima može vjerovati? Da li su dobri kao svjedoci?

10. Uslovi vožnje.

Da li je put bio sklizak zbog kiše ili zbog snijega?

Da li je bilo sunčano, mračno, maglovito ili olujno? Funkcionisanje vaših svjetala. Da li su radili vaši žmigavci ili kočioni farovi. Bilo kakva odbrana. Da li je postoje dokazi koji sugeriraju da su vaše kočnice bile oštećene, ledeni uvjeti, sunce u očima, neuspjeh signala ili slično krivi ili doprinose ovom udesu.

Ključno pitanje ovdje jeste – može li se to dokazati? Može li se dokazati neipravnost kočnica.

Ako imate bilo kakvih pitanja vezano za auto udese slobodno me nazovite na 314-350-4710. Hvala i prijatno.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be Notice of a Claim or a Lawsuit and can a Government employee be sued after a car accident? The law in Missouri generally prevents you from suing government entities, however, there are a few exceptions.

If a government employee rear-ends you – can you sue him/her?

One of them is an exception if an employee of the Government commits a wrongful act a negligent act. We are gonna take the example of a car accident. If a government employee rear-ends you – can you sue him/her?

The short answer is: Yes, you can. While the law prohibits you from using the Government directly, if an employee of the government, the keyword is the government in the course of employment. The employee can’t just be having fun out there and commit a wrongful act, it’s gotta be in the court of employment. If he is going from point A to point B and is on the clock and rear-ends you, you can sue him. The government just like any employer in the state of Missouri is responsible for the actions of its employees.

You can sue the government entity

However, while you can sue a government entity for a wrongful act of its employees, it’s not easy. There is a little statute that says that you have to give the government the notice of 90 days that you intend to file a claim or file a lawsuit. If you don’t do that. Then your claim falls through. Keep in mind if you get injured by a government entity and its employees you have certain time limitations.

If you have any questions for me give me a call at 314 – 352 – 6800. Thank you very much and you have a wonderful day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Can I get a rental vehicle when my car is being repaired after an accident? This question arises right away after a car accident: Can I get a rental vehicle? In some instances, the damaged vehicle for the client isn’t driveable or is not safe to operate on the roads and they ask:

Can I get a rental?

The short answer is: Yes, you can. However, it depends on where we are in the process of liability determination. And who is going to pay for it? I advise my client that the easiest way to get a rental vehicle is to file a property damage claim through your own insurance company. If you have rental coverage they are going to put you in a vehicle right away. They are gonna take care of it for you much faster.

Then if we go with option #2 Option number 2 is – If we wait for the at-fault driver’s insurance company to finalize their liability determination. It may take a week or two.

Why?

They are going to wait for the police the report, they will want to talk to their insurers about what happened before they accept liability. In the meantime, you are kinda stuck without a vehicle. We do advise our clients sometimes: Hey go out, rent a vehicle, give your own card and then once the liability is been accepted they will have to pay for it if the vehicle is not driveable.

Those are your options and if you have any other questions give us a call at 314-350-4710. Thank you very much and you have a wonderful day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s question is going to be about whether or not you need to hire a lawyer if it turns out that the accident was actually your fault.

And the short answer is NO, you don’t need to hire a lawyer because if you were insured at the time of this collision, you will get lawyers assigned to you by your insurance company.

Having said that, if the accident was actually pretty serious and there could be some extensive damages there, you may want to hire a lawyer. And here’s what I mean by that:

Sometimes insurance companies play these stupid games where if we are requesting policy limits from them for our client to sign the release, they’re going to start lowballing which if cards are played right and they don’t pay those damages, then we can come after the insurer. So if the damages are extensive and you want somebody to look over the work of the insurance company lawyers and this is the big and if you’ve got the financial means to hire a lawyer to to look over that. Yes, then you should definitely get a lawyer to sleep easier at night. So hope that answers your question.

If you have any other questions for us, give us a call. 3143504710. Thank you very much. And you have a wonderful day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

And today’s question is going to be, can I get a rental vehicle after a car accident if the shop is unable to get my car in for a couple of weeks, a month and my car is actually drivable?

The short answer is no, you really can’t. And this this only came about with the, you know, corona situation and parts being unavailable.

So if the accident happened today and it wasn’t your fault and you go to a shop and they say, yep, we can fix it for you, unfortunately, we can get the parts and it’s going to take us, you know, 30 days to get the parts into fix your vehicle. The question then becomes, well, my vehicle’s damaged.

I want a rental and the insurance company won’t give it to me until the vehicle is in the shop. So actually they are right to a certain extent. So if the vehicle is drivable and it’s safe to operate, meaning no parts that are necessary for safe operation in traffic or damaged. So if there’s just a little fender bender and it’s just aluminum that’s bent, you know, the blinkers, everything else is working just fine.

Then you have to wait until the car gets in the shop and they do it and then they can give you a rental vehicle. Unfortunately, you know, if it’s if it’s like that, there’s not a whole lot you can do in this. I said that that only came about with the parts shortage in recent times. So hopefully that will that will get resolved soon. But as I said, the short answer is if it’s drivable, if it’s safe to drive in, the shop needs 30 days to fix it. You still have to drive it.

So I hope that helps. And if you have any other questions called, call us at 3143504710. Thank you. And you have a good day.

Here’s a good one. Got a call from a client that wants to see his physician after car accident. And he tells me, hey, my doctor won’t see me after the car accident. What’s up with that? Is that even legal to do? And this is not the first time that I’ve come across this. And so let’s start at the top. Is it legal for a doctor not to see you if you were involved in a car accident?

Unfortunately, the law is a little fuzzy about that. But the doctor can actually do can refuse to see you if you were in a car accident. You know, they can’t discriminate against you based on race, gender, sex and so on and so forth. But they can refuse to see if you were in the car involved in a car accident. And then the next question is, why won’t my doctor see me after a car accident? Well, there are many reasons for that. And the most common ones are billing practices are different. Doctors just don’t like lawyers. And then the third one is they’re going to be afraid that they’ll get called to testify in depositions and trial and so on and so forth. So it’s just extra work for them that they don’t really need.

They really get paid really well for doing what they do, and they don’t want to deal with the extra, you know, headaches. So why doesn’t he think they’ll get paid? Well, there are extra paperwork that needs to be filled out sometimes in car accidents. It doesn’t work out our way. And then the doctors don’t get paid. And then I think the most the biggest reason doctors don’t don’t want to see patients after car accident is the fact that they don’t want to deal with lawyers and the litigation process. They think that they’re going to have to take time away from their day to do the positions. And they think that they’re going to have to take time from their days to do to to testify in court.

That really doesn’t happen a whole lot, but that’s the reasons why doctors do it. So unfortunately, it happens a lot. We do have a network of medical professionals that do work with people that are involved in car accidents. So if you need a referral, don’t hesitate to give us a call and then we’ll give you a list of doctors that do work with car accident victims. If you have any other questions for us, give us a call. 3143504710. Thank you. And you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Great topic today because it’s happened to most likely all of us. So the question is, can I be held liable if I wave somebody to make a left turn in front of me and then they get hit by another vehicle in the lane next 2 hours?

So here’s the scenario. You’re in traffic, it’s backing up and then there’s a guy in the left turning lane right in front of you wanting to make a left turn into his driveway. Right. And you’re stuck and you want to be nice and you let the car in front of you move further forward a little bit, and then you wave them on. You’re like, Come on, make a left turn. It’s okay. I’m a great guy. So he or she does that wants to make a left turn. However, the car in the lane next to us doesn’t see him or her and then boom T-Bone collision.

So the question is, can I be held liable?

Well, I was just trying to be nice. I didn’t do anything wrong. Unfortunately, you did some motorist on Missouri roads. You’re actually kind of supposed to look out for those drivers as well. So then you waive them on when you said, hey, listen, come on, it’s safe. Don’t you know I’m just standing here? You’re kind of giving them, you know, the impression that it really is safe to make a left turn. And when they go, they rely on your actions to make that left turn. Otherwise they wouldn’t have done it. And then they get hit by that driver in the lane next to ours.

So the answer is yes, you could be held liable, so don’t be too friendly on those Missouri roads. I hope this helps. And if you have any questions, give us a call. 3143504710. Thank you very much. And you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be seatbelt defense in car accident cases here in Missouri. So what does that really mean? Well, if you’re involved in a car accident and the other driver is at fault, you are entitled to some compensation for your injuries. Right. So the seat belt defense basically means that the other driver can use that argument to say, hey, because you are not wearing your seatbelt, that should count against you.

And so I’m going to say about 30 plus states allow the seatbelt defense in the United States and some like 15, I believe actually I think 30 don’t allow it at all. So they reject it and about 15 of them do allow it.

So Missouri is one of those states that does allow the seatbelt defense to come into play. And what that basically means, if we go to trial, the defense has the right to bring it up and say, hey, listen, because you are not wearing a seatbelt, that should count against you.

However, they are limited by statute to only 1% of damages reduction. What does that mean? Well, if you’re entitled to $100 and because you are not wearing a seatbelt, they will deduct $1 from from your recovery. Hope this helps. And if you have any questions for me, give me a call. 3143504710.

Thank you. And you have a good day.

You can find more useful information HERE.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

After a Car Accident ( The Accident Scene)

After a car accident, most people are shaken up and are not thinking clearly. Obviously, if you are,  here is not a whole lot you can do but seek the necessary emergency medical care.

However, you should attempt to gather important information at the accident scene.

Immediately after the accident, you should try to remain calm.

Check yourself and others involved in the accident for injuries.

If anyone is injured, administer basic first aid and call 9-1-1 to request the police and emergency medical services.

Do not move anyone who is injured unless there is a risk of greater injury (for example, the car is on fire).

Read More About: Mistakes After a Car Accident

Be courteous with the police and emergency personnel. Provide a factual account of the crash (what you know or believe happened, not what you think might have happened).

If there are no injuries and the accident is very minor, and if it is safe to do so, move the cars off the road. Otherwise, wait for the police to arrive so they can document the crash. If you are able, you will also want to do the same.

If you are not injured and it is safe to do so, take the following steps to document the accident:

1. Get the names, addresses, employer name, email and phone numbers (home, work, mobile) from everyone involved in the accident (including passengers), and the license number for the driver.
2. Get the same information from any witnesses who saw what happened and ask them to give you a statement of their observations (you may wish to do this first since witnesses often leave the scene quickly).
3. Write down the insurance information for the other driver(s) involved in the accident, being sure to include the policy number, insured’s name and the claims phone number.
4. Provided it is safe to do so, take pictures of the overall accident scene from multiple angles (take video if your mobile device has this option) and pictures of the damage to your vehicle (outside and inside) and the others involved.
5. Photograph the positions of all traffic lights and stop signs, including your vehicle in the photos.
6. Describe the weather and road conditions.
7. Try to sketch the accident scene and jot down how you believe the accident occurred.
8. If you are injured, ask another person to take photographs of your injuries.
9. Get the responding officer’s name, department, badge number and the accident report number.

Things you should NOT do include saying the accident was your fault, or “my insurance company will pay for everything,” or “it’s okay, I have full coverage.”

Read more about: Who is Going to Pay for my Medical Bills?

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

One of the most common injury cases that we handle here at the office is car accident cases, or truck accident cases, or motorcycle cases. And inevitably every time an accident happens, there are large amounts of medical bills that need to be covered. And if you have med-pay or medical payments coverage under your own policy, that is a good thing.

Why, and what is med-pay?

So med-pay is really not mandatory, so your agent does not have to add it to your policy when you purchase a policy. Meaning that you have to ask for it if your agent is really a good one they will ask you to add it to your policy. It’s really beneficial just in case an accident happens. Medical payments coverage kicks in if you have medical bills that are related to your car accident.

Meaning it does not have to be anybody else’s fault, you can hit a tree, and your med-pay coverage will still kick in and cover your medical bills, and the benefits of med-pay are, that it’ll start covering your bills right away. You don’t have to wait until the end of the case, to get those bills covered, and as I talked in my previous videos.

Medical Providers

Sometimes medical providers do not want to wait to get there, you know bills paid and they are going to send your bills to a collection agency, and that may impact your credit score. So med-pay kicks in right away, so if you get a bill you can send it to your car insurance policy, or if you are represented by us we do it on your behalf, that’s going to get covered right away. The other point is that those bills there’s no deductible. Meaning that, all of the bills are going to get paid. If you do have private health insurance, you should obviously submit it through that first. And then if you’ve got some co-pays your med-pay would cover that as well as deductibles.

Med-pay I’ve seen it range from $1,000 to you can add it to $100,000. It’s really not that expensive. I think a lot of my clients do have it, and they’re usually minimal like a $1000, $2000, $5000. I’ve seen $25.000 policies. They’re great here in Missouri, so have it, great. If not, ask your agent to add it to your policy. At the end of the day you know God forbid an accident happens. It may be a lifesaver been dealing with medical bills.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Medicinski eksperti nisu jefitini, ali nam puno pomognu u slučajevima auto udesa.

Konsultovanje sa medicinskim ekspertima

Medicinski eksperti sa kojim smo se konsultovali ove sedmice su uspjeli pismeno pokazati koliko su naši klijenti stvarno ozljeđeni od ovoga auto udesa. Zatim povezati te ozljede iz auto udesa sa medicinskom njegom koju naši klijenti zahtjevaju.

U ovim slučajevima o kojim pričam, medicinski eksperti predlažu našim klijentima da imaju operaciju leđa, vrata i slično. Međutim klijenti trenutno nisu spremni za tako veliki poduhvat u njihovim životima.
Tako da su ti medicinski eksperti u ovom slučaju, ortopedi, bili u mogućnosti da nam napišu pismo. U pismu nam objasne šta su ozljede, te da su ozljede vezane za auto udes.

I potom daju nam neku procjenu koliko bi ta operacija koštala ako dođe do iste, kao u ovim slučajevima što će najvjerovatnije doći u budućnosti.

Zato su nam eksperti potrebni u ovakvim slučajevima. Iako su veoma skupi, pomažu nam da naši klijenti dobiju maksimalnu odštetu od auto osiguranja.

Nadamo se da vam je ovo pomoglo. Ako imate bilo kakvih pitanja nazovite nas na 314-350-4710

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

The biggest issue

One of the biggest issues that we deal with on behalf of our clients, or medical bills after a car accident.

They can be life-changing because those medical bills can go up pretty quickly, a couple of days stay at the hospital can be in the hundreds of thousands of dollars range and it’s scary. It is scary. A lot of my clients ask me well what are my options how can I get rid of this?

A couple of ways to go about it and we are going to go through the most simple ones to the more complicated ones. Obviously, if you have health insurance that should kick in right away. So that health insurance can be through your employer, that health insurance can be health insurance that you purchased privately. It can be through your spouse, or through your parents. They should kick in and cover those bills and whatever is leftover. The deductible co-pays that would be your responsibility.

Medical Payments Coverage

The next one would be your medical payments coverage which we talked about in a previous video. If you have medical payments coverage under your own car insurance policy, they should kick in. Unfortunately, MedPay coverage is really not that high. I mean the highest that I’ve seen is here in Missouri is twenty-five thousand dollars. Even though you can purchase more and so if you’ve got hundreds of thousands of dollars of bills. You don’t have any health insurance it’s just a fraction of those. And the next one is your MedPay of the vehicle if you were a passenger a vehicle that MedPay coverage will kick in and cover those bills. Then the last bills if you do have a personal injury case and we get a settlement on your behalf. At the end, we would deal with all of those medical bills that are outstanding.

Medical Providers

Unfortunately, some of the medical providers are not willing to wait that long and they may you know send your bills to a collection agency. And may affect your credit score. Then the very last one is I tell people if you’ve got the means to go ahead and pay you will get the money at the end of the case. Try to set up a payment plan so it doesn’t affect your credit history. Medical providers are pretty flexible when it comes to their collection practices. They will be willing to work with you on setting up those payment plans.
And then medical bills that medical providers sometimes will work on a lien basis with us. It means they will wait until the end of the case to get that paid. But it’s that there’s never an easy answer when it comes to medical bills and a lot of people struggle with that and sometimes it does affect the credit score.

Unfortunately legally speaking we as attorneys cannot go in and then pay that medical bills for you and then wait for the case to settle to get our money back.

So hope this answers some of your questions that you may have had about medical bills after a car accident.

If you do have any further questions please call me at 314-350-4710. We would be more than willing to answer any and all questions that you have.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Could the collateral source rule here in Missouri?

To explain it I’m gonna give you a few scenarios. Then you can kind of see how that rule has weakened personal injury car accident claims. And the injured parties right of recovery. Back in the 90s before 2005. The jury in Missouri was allowed to hear the actual amount billed for a medical bill from the hospital.

Let’s assume the medical bill from a hospital was $10.000. The person had health insurance, there were discounts and then the health insurance paid only let’s say $2000. Back in the day, before 2005 the jury in Missouri was allowed to hear that the actual amount of damages was $10.000 dollars for those bills.

No discounts were allowed to be seen by the jury. Basically, the reasoning behind it was, why would we allow the wrongdoer. The person that caused the accident to get a pitfall because the injured party had health insurance at that time. And then, in 2005 that rule changed and with the tort reform. Now all of a sudden the jury was allowed to hear that the actual amount to satisfy the medical bill was let’s say $2000. However, the injured party was allowed to rebut that presumption and still show to the jury. The actual cost of these medical bills was $10.000. And then the jury in Missouri was left to decide what amounts they’re going to consider. And then, back in 2017, that rule changed again.

It rode it further the injured party’s rights. It said that the only number that the jury will be allowed to see is smaller. The number that’s able to satisfy the medical bill, meaning the $2,000 number.

What does that really mean for injured parties in Missouri?

Well, if you have got health insurance if you are a responsible individual. And you are paying premiums to have health insurance, the at-fault party is now allowed to use that against you. Meaning, they can use the discounted numbers. So, in the scenario that we used previously, an accident happens, the injured party goes to hospital the bill is $10,000. If the party had health insurance that bill will be $2,000.

If the injured party did not have health insurance. So, they’re not paying their premiums, that bill will still be $10,000. As you can see the party without health insurance will be allowed to collect more money than the person that was responsible, and had health insurance at the time of this collision.

So, basically, the collateral source rule is really punishing you if you had health insurance at the time of this collision, and it has eroded plaintiffs claims over the last 15 years.

I hope this kind of explained the collateral source rule.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Govorimo generalno o procesu auto udesa i procesu na sudu auto udesa. Većina slučajeva auto udesa završi se zapravo prije suda. 90% plus slučajeva, uvijek se završi prije suda i tužbe za lične povrede.

Odlazak na sud

Međutim, nekada moramo ići na sud. Ja kada sjedem sa svojim klijentom, ja uvijek kažem, računajte da ćete biti sa mnom 6 mjeseci do godinu dana, ako ne budemo morali ići na sud. Ako budemo morali slučaj predati na sud, onda računajte da ćete biti sa mnom još godinu do dvije. Prvi korak, u svakom slučaju, jeste kada klijent završi sa svojim medicinskim tretmanima, mi pokušamo da se dogovorimo sa osiguranjem od druge stranke koja je prouzrokovala udes. I kao što sam rekao 90% plus slučajeva se završi već u toj fazi. Nažalost, nekad se to ne završi.

Zašto moramo ići na sud?

Dva razloga inače su tu zašto moramo ići na sud. Ne možemo da se dogovorimo u vezi koliko je slučaj vrijedan. Ili ne možemo tačno da ustanovimo ko je kriv u ovome udesu i tako da smo forsirani da idemo na sud zbog tužbe za lične povrede. Prvi korak na sudu jeste da predamo našu peticiju. Sa tim pokrećemo slučaj na sudu. Drugi korak jeste da šerif ili specijalni prosesor odnese sve te papire osobi koju tužimo, tako da oni znaju da je slučaj na sudu.

Nakon toga dobijamo odgovor od druge stranke napismeno, gdje se oni slože sa onim što je u peticiji. U većini slučajeva se ne slože s tim stvarima i kažu da idemo dalje. Sljedeći korak je pismeno otkriće, gdje zapravo mi pošaljemo pitanja drugoj stranci, a druga strana isto pošalje našem klijentu ta slična pitanja. Ko smo, šta smo, itd. šta se desilo medicinski tretman itd.

Depozicije

Nakon toga imamo depozicije, gdje naš klijent sjede sa advokatima s druge strane i advokati imaju pravo da ih pitaju pitanja. Opet slično onome što smo radili u pismenom otkriću, gdje zapravo oni pitaju ko ste, šta ste, kako se udes desio, kakve imate ozljede itd. Mi također imamo pravo da pitamo pitanja osobe koja je prouzrokovala udes. Nakon toga imamo pravo da napravimo depozicije. Da sjedemo sa svjedocima, koji zapravo neće biti ekspert svjedoci u slučaju. Osobe koje su vidjele, čule i imaju neko znanje vezano za ovaj slučaj. Nakon toga, korak je da imamo depoziciju eksperta. U većini slučajeva su to medicinski eksperti koji mogu potvrditi ozljede naših klijenata i kako će te ozljede uticati na njihov dugotrajni život. Ako se nakon toga ne možemo da dogovorimo.

Slučajevi pred porotom

Nažalost, manji broj slučajeva završi pred porotama, gdje mi imamo parvo da ispričamo našu priču. I druga stranu ima pravo da ispriča svoju priču i onda porote odlučuje šta će i kako će. Tu je u većini slučajeva slučaj završen, međutim, nekad dođe i do žalbi koje onda mogu trajati godinama i godinama. U to nećemo dublje ulaziti. Ali, u suštini to su faze slučaja auto udesa kada ode na sud. Traje oko, možda, dvije godine.

Ako imate bilo kakvih pitanja vezano za isto nazovite me na 314-350-4710. Hvala i 

prijatno.

Today’s topic is going to be a personal injury lawsuit filing. Once we decide to proceed with the lawsuit there are several deadlines that we have to keep in mind.

Lawsuit in Missouri

You have five years from the day of the accident to file a car accident lawsuit here in Missouri. That’s called the statute of limitations. It’s very liberal, to be honest with you, you have enough time to decide whether or not a lawsuit is the right option for you. But, once we decide to that, it’s usually we were not able to reach a settlement with the insurance company, or defendant driver, for whatever reason, and we are filing a lawsuit.

We can have that lawsuit prepared usually within a day or two because we’ve done so many of them and we know what goes into them. But, the very first step is obviously preparing the petition and filing it with a court that has jurisdiction over that case. The petition is very straightforward, we have to name all the parties involved, John Doe vs. Jane Doe. We have to let the court know how they have jurisdiction, and there is the statute out there that says, hey if the accident happened in St. Louis County, you kind of have to file in St. Louis county. There are some nuisance about that, but in most straightforward cases, if the accident happened in St. Louis County, that’s where would be filed. We mentioned that, and then we give general facts as to how the accident happened.

Our client

Our client John Doe was on interstate 270 he was rear-ended by Jane Doe, and that’s how the accident happened. Then we have to mention negligence count and connect the facts to the law. So basically the defendant owed a duty to you not rear-end you, and by rear-ending on 270 she breaches that duty owed to you, and she caused damages to you. You were transported by ambulance and so on and so forth. We have to kind of connect those dots there as well. The last step in the petition is to ask for a remedy. We usually put out there the standard jurisdictional $25000 or more. That will get us into the circuit courts of St. Louis county. That’s basically what needs to go into the petition.

If you have any questions, call me at 314-350-4710. Thank you.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today we are going to talk a little bit about all phases that go into a car accident lawsuit. In this video, I’m going to just generally talk about all of them. And then in subsequent videos, I’ll try to go a little bit deeper into each one of those sections. Every time I sit down with my client, my stance is counted on being with me for the next six months to a year. If we’re able to resolve this as a claim, and if not then we’re going to litigate. And then count on being with me between year or two. So, the timeline of a personal injury:

The first stage of a lawsuit

So, the very first stage of a lawsuit we try to do this as much as possible, and we have to keep in mind that the vast majority of personal injury car accident cases are resolved before we have to file a lawsuit. So, about 90% plus are resolved before we ever have to file a lawsuit. The first phase is the pre-lawsuit demand. If you are able to resolve that case there and then without having to file a lawsuit, we do it, obviously keeping in mind the value of the case, what the client wants and so on.

Next step

Next step, if we don’t get a resolution before filing a lawsuit is obviously to file that personal injury lawsuit. That involves paperwork to make it to court. The next step is the issuance of summons, which means that either the sheriff goes to the defendant and hands them the paperwork, or we find a special process server to do that on our behalf. That gives notice to the defendant drivers while is there an insurance company that lawsuit has been started.

Answers

The next step is going to be the answers. The insurance company or the lawyer for the defendant enters on their behalf. And they answer our complaint basically admitting or denying all the allegations that we put into our petition.

Written discovery

Next step is written discovery. Basically we exchange would the defendant questions we send the asset to the defendant. And then the defendant sends one set to our client and we filled those out with our client.

Next step would be the deposition of parties

We sit down with the defendant and then we get to ask him or her any and all questions that we do not answer trough discovery, or where we want to go a little bit deeper. And defendant and their lawyers have got the same right to sit down with our client and ask any and all questions. Well, I said any and all questions, obviously, they can’t just go digging around, there are some perimeters that they have to abide by. If we can’t reach an agreement after that, that’s fine if not, then we have got depose non-expert witnesses. Somebody that saw what happened, heard what happened, he’s not going to give their opinion, so it’s just going to be, what, how, why.

Next step is going to be, this is very close to trial because the expert depositions are very very expensive. If we have to depose orthopaedic specialist those can run into thousands of dollars and we try to hold of form that, until very close to trial. If we are unable to settle after that, obviously then we go to trial.

The jury of our peers is going to sit there, listen to our arguments, and they make that decision.

Hopefully, this helps, and if you have any other questions about the timeline of a personal injury, call me at 314-350-4710. Thank you very much, and you have a good day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Imao sam par slučajeva gdje su moji klijenti ozljeđeni kao pješaci od strane automobile koje ili ne ostanu na licu mjesta. Tj. pobjegnu ili nemaju dovoljno, ili nemaju nikako osiguranje za auto. Nameće se pitanje da li moje auto osiguranje plaća ako sam ozljeđen kao pješak?

To se zapravo dešava veoma često, statistički pokazuje da dosta pješaka su ozljeđeni nakon auto udesa od automobila. Također statistički ovdje u Missouri, negdje između 15-20% na Missouri putevima nemaju osiguranja. Ne dao Bog da vas neko udari kao pješaka, šanse su da neće imati dovoljno, ili neće imati nikako osiguranja.

Da li imam ja pravo od strane mog auto osiguranja da dobijem neku odštetu

Odgovor je veoma jasan, da. Imate pravo, ako ste ozljeđen kao pješak, vi imate pravo da dobijete odštetu od vašeg auto osiguranja pod rubrikom “Uninsured”. Tj. neosigurana stranka, nedovoljno osigurana stranka ako to vozilo nije imalo dovoljno pokrića tj. nije imalo dovoljno osiguranja.

Dolazi do pitanja, ko još ima pravo na to?

Ne samo vi, nego i vaša familija ima pravo na neku odštetu. Ne dao Bog da se njima nešto desi, znači žena, djeca i osobe koje žive sa vama u kući. Oni također imaju pravo, tj. djete iako ode na koledž negdje van grada ima pravo da dobije neku odštetu. Ako je ozljeđeno kao pješak od strane automobila u nekom udesu. Imate pravo, ako dođe do tih nekih problema da počnete dobijati račune i da ne znate kako ćete ih platiti. Okrenite se prema vašem auto osiguranju. Negdje sam u prethodnim video snimcima naveo da je veoma važno imati dovoljno osiguranja, ne dao Bog kad se ovako nešto desi.

Ako imate bilo kakvih pitanja gdje ste ozljeđeni kao pješak, nazovite me na 314-350-4710. Hvala vam i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

This is kind of tricky question because it depends who you really are and who claim is against.
For the purposes of this question, let’s assume you are not a minor and this claim is not against the governmental organization.
So, it’s a straight rear-end car accident collision.

Then the answer is, you have 5 years after the car accident to file a lawsuit. That’s called the statute of limitations, here in Missouri. If you don’t do anything within those 5 years, you will be forever barred. The reason for that is, in Missouri, it’s actually very liberal, other states have much shorter statute of limitations of one, two or three years for these car accident claims and lawsuits.

The reason for that is, the statue is there to prevent a fraudulent lawsuit.
After 5 years people start forgetting, and it’s getting much more difficult to prove what really happened.
The answer is you got 5 years after a collision, if it’s not a governmental organization, you are not minor to file a lawsuit.

Why is it tricky?

However, this is really tricky, because if you don’t get any treatment or if you don’t do the necessary steps to preserve your rights.
Let’s say you don’t do anything for six months after a car accident, and all of sudden your neck that’s been bothering you for six months, you just can’t do anything about it, and you go back to a doctor. You say, hey, this is related to a car accident.
That gap in treatment is going to be very very detrimental to your case.

Even though you’ve got 5 years to start litigation in a car accident case, I would not advise you to wait to do anything that long. Do everything that you can ASAP because right after a car accident takes the time to take the necessary steps to preserve your rights.

If you have any other questions, call me at 314-350-4710. Consultation is free. Hope we’ll be able to chat with you. Have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be authorisations. What purpose do authorisations serve? In all of our cases, in our car accident cases, we will need to order medical records and bills. I can’t just call the hospital or the doctor up and say: Hey doc? Did you saw Jane Doe for the accident? Shot me over her medical records and bills. They gonna be looking at me like: Are you crazy?

Initial meeting

Basically, I need to send them something in writing. At our initial meeting with a client, we usually find out all of the medical providers that the client saw. We have the client sign authorisations serve for us to obtain those medical records and bills. Some medical providers will accept our generic authorisation others will have their very specific one. That’s why we all the medical providers that treated our client, so we can have them sign proper medical authorisations. Unfortunately, sometimes clients get to us a bit late. They have given the insurance company, a lot of information. They have signed authorisation for the insurance company to be able to obtain all of those records and bills. That’s a mistake.

Why?

Because insurance company can go back 10 years in your medical records, and go digging for something that is really not related to the accident, but that they can use against you. Our first if that happened is to evoke all of those authorisations, and hope they have not obtained any damaging information for your case.

If you have any questions about authorisations in a car accident case, don’t hesitate to give me a call: 314-350-4710. Thank you very much and you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Even, most of our cases are car accidents and any personal injury lawyer here in the St.Louis area. If they want to be honest with you, they will tell you that most of there are car accidents. We also handle injuries caused by dogs.

We’ve handled quite a few

This is kind of the rundown of the law. Because I think there is a lot of misinformation out there. I’m trying to give it you straight. The owner is liable for the resulting injuries if the injuries were the result of the dog bite. The injury happened on public property, or if the person was lawfully on private property and the injured person did not provoke the dog.

There are 3 prongs of that

The dog owner will be held liable for those injuries. It’s a strict liability which means even if the dog owner try to restrain that dog and you still got bit. That means that the dog owner gonna be on the hook. When it comes to damages basically boils down to, if you suffered economic damages, pain and suffering and so on. Medical bills and etc. There is also negligence claim in Missouri dog bite law, which means that the statute we just talked about is specific for dog bites. The negligence and itself in Missouri are, if a big dog, for example, jumps on top of you, and then you fall and your injury yourself, the dog owner can still be held liable for that if it’s proven that he’s at fault for it.

The 2 most common defences when it comes to dog bites is that the person was unlawfully on the premises

If you trespass, or if you try to steal from somebody’s house and you’re illegally on that property and you get bit by that dog, no you can get anything. And the other one is that the person provokes the dog. When it comes to straight negligence claims in Missouri. The most common defence is comparative fault meaning the person who got bit doing something stupid and that’s why the dog reacted the way it reacted. But, as I said, most instances if you get bit by a dog in Missouri.

If you have any questions, call me 314-350-4710. Thank you and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

There are two types of gaps in treatment. One is the gap between when you got in the accident, and when you first start treating for the injuries from that same accident.

For example

You were in a car accident today but you did not seek medical help until six months later. The other type of gap is when you did see a doctor for your injuries right after the accident. And then let serval months go by before you see him or her again. In a personal injury case, the insurance adjuster will be looking for ways to devalue your claim. If they see that there is a gap in medical treatment. They will try to use this as evidence that your injuries are not as severe as you’re claiming. That is why it is important not only to meet with your doctor regularly, but you should also keep a journal of your visits. Write down pain and suffering. – New or existing from the date of the onset, from the accident.

What is today’s lesson?

Do not miss your appointment with your treating physician and try to see a medical professional as soon as possible after a car accident. If you have any other questions for the gap in medical treatment don’t hesitate to reach out at 314-350-4710. Thank you very much and you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Postoje dvije vrste nedostataka u medicinskom tretmanu nakon auto udesa. Jedan je nedostatak između trenutka kada ste imali udes i kada ste prvi puta započeli sa liječenjem povrede od te nesreće.

Zatražite medicinsku pomoć nakon nekog period?

Npr. Bili ste u saobraćajnoj nesreći danas, ali ste potražili medicinsku pomoć tek 6 mjeseci kasnije. Druga vrsta nedostaka je kada ste vidjeli doktora zbog vaše ozljede, odmah poslije udesa. A zatim pustite da prođe nekoliko mjeseci prije nego ga ponovo vidite. U slučaju auto udesa i tjelesnih ozlijeda osiguranje će tražiti načine kako da obezvrijedi vaše ozlijede. Ako vide da postoji nedostatak u vašem medicinskom tretmanu oni će to pokušati iskorititi kao dokaz da vaše povrede nisu tako ozbiljne kao što vi već tvrdite. Zato je važno ne samo redovno sastajati se svojim doktorom, već i voditi dnevnik svojih posjeta, bolova i simptoma – novih ili postojećih koje imate nakon tog udesa.

Šta je današnja lekcija?

Nemojte propuštati termine sa svojim doktorima i pokušajte da dođete do medicinskog tretmana ili stručnjaka, doktora što je prije moguće nakon auto udesa.

Nadam se da smo odgovorili na pitanje šta je nedostatak u medicinskom tretmanu nakon auto udesa.

Ako imate bilo kakvih drugih pitanja vezano za auto udes ili trebate dodatne informacije. Nazovite nas na: 314-350-4710. Hvala i prijatno.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Will insurance companies hire people to follow and watch me after a car accident? We have probably seen this in the movies, then it happens in the real life, but we have had cases for our clients followed by private investigators who would videotape and take pictures of our clients. It’s a bit of a sleazy tactic, but it is their right to do so.

Easy way to prevent

However, there is an easy way to prevent any of those supplies down the road. One of them is just to be perfectly honest with everybody around you and to follow your doctor’s orders. If the doctor prescribes you that you can’t do certain things – don’t push yourself, and don’t do it. A lot of us kinda go – Hey the doctor said I can’t do this, however, I’m in a little bit of pain, but I’m still gonna go out and do it. Keep that in mind if a doctor tells you not to do something after a car accident. Because the short answer is – sometimes the insurance companies may hire a private investigator to follow you if they feel if there is some foul play involved. In particular, if the injuries claimed are bad ones, and if the liability on them is clear.

Police limits

Or if police limits are out there so they are gonna pay some major money. If it’s proven that those injuries are affecting your life in a negative way. If you have any questions for me give me a call at 314-350-4710. Otherwise have a wonderful rest of the day and I’ll talk to you soon.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

This past week, I had a client come in, his son was involved in an accident and cost some damage to the vehicle itself and some other property. And his question was, will my insurance cover this? And I said, is he on the policy? The client said, no, he is not. He was the excluded driver. So the answer is the insurance company will not cover any of the damages. When does something like this happen?

Let’s take an example

In your household, there is a young person, an old person, a person that does have a very bad driving record, and you want to go insure them as well. Turns out, the Premium is going to be pretty high. Then you say, no, no, I don’t want to insure them. And the agent asks you, will they be driving the vehicle? You say, no, they’re not going to be driving a vehicle, and insurance agent makes you sign a waiver. An exclusion that they will not be driving the vehicle and if they do that, they not going to be covered. If that household member does take your car and causes an accident, your insurance policy will not be going to cover those damages.

I’ve seen it a lot, I’ve seen it more and more often in recent times when you go in, the agent will ask about all your household members that do have a drivers license, and then they will ask you, if you want to add them to the insurance policy, and if you declined they will make you sign, one of those exclusion waivers. And if that person does drive a vehicle that causes an accident it will not be covered. Let that not happen to you, make sure if you want to exclude that driver, do not let them drive that vehicle and if they’re going to driving that vehicle even occasionally, make sure to put them on the policy because it’s going to be cheaper in long-running case they cause some trouble.

If you have any questions call us at 314-350-4710

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

How to pay medical bills is one of the questions that I usually get from my clients that have been involved in a car accident.

And then they tell me:

‘Well, I have heard that the insurance company for the other driver will pay all of my medical bills and they have to pay them as they come.’

Well, that’s not entirely true.

The very first question in any car accident case in the Saint Louis area is:

‘Whose fault is it?’

If it’s determined that the other driver had a fault, then his insurance company will accept liability and they will pay for your damages.

So, the question is: ‘What are Your damages?’

One part of those damages is your medical bills.

So, the insurance company will pay for your medical bills. However, it’s not true that they will pay them as they come.

They will actually pay them at the end of the case, once you have completed your treatment, once all the other damages have been determined and you send all of that information to the insurance company.

Watch out if you’ve got private health insurance, because in some instances your private health insurance company may be entitled to get some of the money back that they have paid for your medical care that was related to the car accident.

If you have any other questions related to medical bills after a car accident,

please don’t hesitate to reach out to us at 314-350-4710

and we’d be glad to answer any other questions that you may have.

There is a YouTube video link about this topic.

Watch video on YouTube

Thank you very much and you have a wonderful and safe day.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today we are going to talk about the issue that comes up in car accident cases a lot, and we deal with it here at the office lot. So let’s assume you are involved in a car accident. You have private health insurance and you end up going to the hospital. About a month later or two, you get a bill from the hospital that states the original amount of the charges $10.000. Your private insurance kicked in and they paid 90% of the bill. And you are stuck with the $1000 because you did not meet the deductible.

What are your options in that scenario? Couple of ways to go.

Option number 1

And the easy way out, if you have got a $1000 laying around, you paid that bill, you will get that money at the end of the case.

Option number 2

You can call up the hospital and say, hey listen can we set up a payment plan, $50, $100 a month, and that way it doesn’t take the $1000 hit pocketbook right away. Most hospital will work with you on that one.

Option number 3

If you have got Medical Payments Coverage (MCP) under your own car insurance policy, we can help you set up a claim. And we can get money for your medical bills faster trough that route.

Option number 4

We as a Law firm can be sent a letter to the hospital, that states, hey guys we represent so-and-so, and there is a $1000 bill. If you wait to get paid until the case is settled, we will pay you directly. Some hospitals will do that, we’ll wait until the case is settled to get our money. Unfortunately, not all hospitals or medical providers will do that. Their take on it is, hey we provided the medical services, that’s the bill, we want to get paid ASAP.  If you don’t pay us we will forward this to a collection agency. Those are the options if you get stuck with the $1000 bill from a hospital after you deductible and so.

If you have any other questions for me, please give me a call 314-350-4710

There is a YouTube link about options if you did not meet your health insurance deductible: watch it here.

Thank you very much and have a good day.

Tema zakon kolateralnog izvora plaćanja medicinskih računa, specifično za Missouri nakon auto udesa.

Literalno u prevodu, to znači izvor, i kolateralni izvor plaćanja medicinskih računa nakon auto udesa.
Da dočaramo malo šta to znači. Dat ću vam jedan primjer i onda ćemo pratiti taj primjer do današnjeg dana.
Prije 2005 godine, ako ste vi ozljeđeni u auto udesu i neko drugi je kriv i vi završite u bolnici.
Bolnički račun će inače da bude, recimo $10000. I ako vi imate zdravstveno osiguranje možda će vaše zdravstveno osiguranje da plati nekih $2000 od toga.

Zbog čega? Šta je uzrok tome?

Bolnice i zdravstvena osiguranja imaju ugovor koji kaže, hej, mi imamo toliko posla zajedno da ako ti meni pošalješ danas račun od $10000 za ove servise. Mi ćemo tebe zapravo platiti samo $2000.
Prije 2005 u auto udesima vi imate parvo da naplatite svoje medicinske račune. U tom slučaju vaš medicinski račun koji je se uzimao u obzir je bio samo $10000.
Zakon kolateralnog izvora plaćanja medicinskih računa se mijenja nakon 2005. Isti scenario, vi ste u bolnici, račun $10000, zdravstveno osiguranje platilo $2000. Sada, osoba koja je prouzrokovala udes ima pravo da koristi vaše zdravstveno osiguranje protiv vas.

Postavlja se pitanje kako?

Ako izađemo pred porote, oni imaju pravo da pokažu da je račun plaćen za $2000. 2005 do 2017 vi ste još uvijek imali parvo da izađete pred porote i da kažete, ne, račun je zapravo bio $10000. Ali pošto sam ja plaćala svoje zdravstveno osiguranje, ja sam dobila sniženje i onda je račun bio samo $2000. Porote su onda morale da odluče koliko od te cifre će oni da uzmu u obzir kada izračunaju vašu odštetu od tog auto udesa.

Zakon se opet mijenja

Nažalost 2017,  Zakon kolateralnog izvora plaćanja medicinskih računa se u Missouri-u se opet mijenja. Sada ozljeđena osoba koja ima zdravstveno osiguranje može samo koristiti onu munimalnu cifru koja je bila dovoljna da se taj račun plati.
To jeste od onih $10000 što je račun bio u bolnici, vi sada imate samo pravo da pokažete porotama da ste imali $2000 računa.

Zašto je to važno?

Važno je zato što osoba koja je prouzrokovala udes i poslala vas u bolnicu. Sada ima pravo da koristi vaše zdravstveno osiguranje protiv vas. Zašto tako?

Hajde recimo, osoba koja je prouzrokovala udes i ova osoba koja je ozljeđena. Tj., ozljeđena osoba nema zdravstvenog osiguranja i ode u bolnicu, njen račun će da bude $10000.
A vi koji ste imali zdravstveno osiguranje svakog mjeseca plaćali. Vaš medicinski račun nakon tog auto udesa će samo da bude $2000.

Po mom nekom mišljenju to nije fer.

Nažalost, to je trenutno zakon u Missouri-u.
Nadamo se da će se promijeniti, ali trenutno ne vidimo da će se to ubrzo desiti.

Pogledajte video na YouTube

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

A lot of our clients are Medicaid recipients, and unfortunately, they also get involved in a car accident. Then the question becomes, what’s going to happen to their medical bills?
If they hospitalized and our medical provider chooses to build Medicaid.

What is Medicaid?

Medicaid is basically state-sponsored health insurance for people that are really needed, that are disabled or they not financially yet to have their own private health insurance. So, Medicaid will in most instances pay those bills. However, it will then be entitled to a recovery of those medical bills, if you are successful in obtaining a settlement for your injuries from the at-fault party, or their car insurance company. It’s a straightforward process. We contact Medicaid or the third party people that negotiate on their behalf. They send us a number, and we have to pay them back.

Should I use Medicaid?

This is one of the most common questions I get from my clients.  The short answer is, yes. The reason for that is medical bills will get to pay, you will get the medical treatment that you need. Unfortunately, the way that tort reform has panned out here in Missouri is that you can then expect a lower settlement from your personal injury car accident case because juries in Missouri nowadays are allowed to only consider the paid amount of your medical bills, and Medicaid really only pays 10-20% of the charged amounts. As I said the short answer is yes, use it. But you will have to pay them back down the road once the case settles One last aspect of Medicaid and car accident cases.

As I mentioned previously, it is a need-based program which means that if you’re not financially there to get private health insurance, you will get Medicaid. However, once you get that settlement amounts from the car accident you may be bumped above that threshold. I always advise my clients: “Hey, listen I don’t know a whole lot when it comes to reporting requirements for Medicaid purposes.

So, I would advise you to consult with somebody else. But in any case, you have to be honest with the state of Missouri and those folks that provide Medicaid. And let them know that you’ve made this recovery. If they find out down the road you may have more trouble.

Hope this helps, and if you have any questions don’t hesitate to give me a call at 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

We’re gonna talk a little bit about Medicare and car accident. So, a lot of our clients are Medicare recipients. And when they get involved in an accident, there’s some layer of complication because of Medicare.

What is Medicare?

Generally, Medicare is available to people 65 years and older. And a couple of subcategories would be people with disabilities and end-stage renal disease. So, let’s just assume is the elderly 65 years plus. So, when they get involved in a car accident. Then the hospital or their medical provider may elect to charge Medicare directly for the medical bills.
Generally speaking, Medicare will pay those bills. However, our client is then responsible to reimburse Medicare for those bills that they actually paid out. So, in a car accident, you’re basically entitled to your property damages, medical bills, pain and suffering.

So, the aspect of the medical bill that Medicare paid already. Once the case starts settling will have to pay them back. And there’s a formula that they use. We have to contact them and fill out some paperwork. Then they figure out the numbers that they are allowed to get back based on the amount of settlement. One aspect of that really complicates cases is, unfortunately, it’s also in the more serious injuries. That is the Medicare set-asides.

So, what is that?

As I said you are entitled to medical bills after a car accident. Those bills include past medical bills that have been paid, but they may also include future medical bills that you may be entitled to because of those injuries, and because of the medical care that you will need in the future. It is basically a trust or trust-like arrangement that is set up to hold settlement proceeds for future medical expenses. So, the trust administrator will look at it and, there’s a company that specializes in that stuff. They’ll look at the settlement, they’ll look at the injuries, and then they’ll figure out how much money needs to be put into that trust.

And they will also oversee it and make sure that your future care that it’s related to the car accidents will be paid out of that trust and any other medical care that you may need will be paid directly by Medicare. And your bills will be covered that way.

I hope that helps and if you have any questions for me, regarding Medicare and car accident. Please don’t hesitate to give me a call at 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

My daily work consists of dealing with car insurance companies.

While folks do see their advertisements of: “Hey you are in good hands, we are here you when it counts.”

Allstate

Unfortunately, the reality is not that. The reality is that car insurance companies are in the business of making a profit. And, our number one spot, the worst car insurance companies in the US is without a doubt Allstate. Allstates has been known they’ve lost lawsuits because of this practice. Unfortunately, they’re just not getting better and they are the worst insurance company in America and have been for quite some time. And, it’s their efforts to put profits over policyholders and that’s earned them their place as the number one of the worst insurance companies in the United States. So, according to their CEO Tom Wilson, Allstate’s mission is clear. Their obligation is to earn a return for their shareholders.

Unfortunately, their shareholders in a lot of instances are not their policyholders. So, as you can see there is a conflict because you are paying premiums to that insurance company, and if something happens, you kind of count on them to pay the damages. To your car, your house, whatever, and because their policy is to make a profit for their shareholders.

That conflicts with their policy or their obligation towards their policyholders. They’ve themselves you’re in good hands, that’s what I said initially, they’ve got these commercials that say: “Hey you are in good hands with us.” Unfortunately, it’s come to light that their hands are boxing gloves and once you file a claim, they’re gonna fight you on having to pay anything out as much as they can. Those tactics has worked for them, they’ve made a lot of money.
Unfortunately, they’re not the best company to have a policy with, if you need them. We’ll go a little bit deeper in other videos, but this is right now.

If you do have any other questions for me, give me a call at 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Govorimo o temi, koja je veoma, kako da je nazovemo, strahovita. Nažalost i ja moram priznati da sam koristio svoj mobilni telefon dok sam vozio automobil. Missouri je jedna od tri države u Americi koje zapravo ne zabranjuju direktno pisanje i čitanje poruka u toku vožnje. Ali zakon kaže: “Osobe koje su 21 godinu ili mlađe ne smiju koristiti isti za slanje, čitanje poruka u toku vožnje.”

Statistika

Statistike prave jednu sliku koja se ne može ignorisati. 1,6 miliona auto udesa u Americi su godišnje prouzrokovani od osoba koje koriste mobilne telefone. Od tih 1,6 miliona udesa blizu 400,000 ljudi je ozljeđeno u tim udesima. Ova cifra je zabrinjavajuća, jer 1 od 4 auto udesa, znači 25% auto udesa. 25% auto udesa na ulicama Amerike su prouzrokovane jer korištenje mobilnog telefona biva od strane osoba koje šalju ili čitaju poruke koje dobiju. Statistički 95% mladih osoba, znači osobe ispod 18 godina, priznaju da nije dobro pisati ili čitati poruke u toku vožnje. Nažalost, 35% od istih tih osoba kažu da jesu koristili telefon da čitaju ili šalju poruke na svom mobilnom telefonu dok voze.

Poruka čitateljima

Ostavite korištenje mobilnog telefona na stranu i nemojte ga koristiti kada vozite, jer šanse su velike da se može nešto desiti u toku te vožnje. Ako ga baš morate koristiti, koristite ga da pričate i koristite ga sa svojim Bluetooth na automobilu koji većina automobila danas imaju te uređaje.

Ako imate bilo kakvih pitanja vezanih za auto udese, nazovite nas na 314-350-4710.
Pogledajte video o ovoj temi

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

We deal with medical liens on a daily basis.

What exactly is a medical lien?

Well, when you’ve been injured in a car accident, and you’ve been seen by a doctor or hospital, they know that you may have a settlement coming down the road, and in order to protect their rights to protect their bills, they sent out notices to you to insurance companies, to lawyers and establish a right to get some of that money back.

Why do they still do that if you have private health insurance?

Well, the answer is simple, not sometimes most of the time they think they’re gonna get more money out of it. Them going after you know your settlement instead of your health insurance. That’s a topic for a whole other day. But suffice to say they get more money if they are able to get them to get it directly from the car insurance company. So, who is entitled to establish a medical lien in Missouri? And it’s usually, hospitals, podiatrists, dentists, physical therapists, chiropractors, doctors. And how do they establish that lien? In order for it to be legally enforceable, they’ve got to follow the law and there’s a statue in Missouri that outlines exactly what they have to do and if you skip a step the lien is not valid.

So basically they have to send it in writing, it is certified mail. It’s got to give the name of the party and identified the correct lien holder. It’s got to identify the correct insurance company and obviously the amount of that lien.

How does the lien law work at the end of the case?

Well, the statue basically allows the medical liens holder to receive fifty per cent of the net settlement from the car accident. So let’s assume you are entitled to get twenty thousand dollars after attorneys fees and expenses and there are liens out there. The maximum that those lien holders would be allowed to get is ten thousand dollars.
So, sometimes it works in our favour. Because the bills are out there, and we’ve got liens. And, unfortunately, sometimes the settlement is really not that great because the other driver had minimum coverage.
And then sometimes it really works in our client’s advantage and we in our office try to get these liens reduced as much as we can at the end of the case because the more we get those reduced the more clients make of injuries.

Hope this helps and if you have any questions, call me at 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

I’m gonna touch upon a topic that I’m gonna admit myself I’ve done it. And a lot of people do it and it is so wrong because it is so dangerous. Texting and driving. So, here in Missouri, Missouri is actually one of three states in the United States that do not ban texting and driving outright. I think Arizona and Montana are the other two. However, Missouri does have along with the books that say that people under the age of 21 are not allowed to receive, sent or read electronic messages while driving.

Statistic

It’s scary because the statistics about texting and driving are scary. The National Safety Council reports that 1.6 million crashes each year on US roads are caused by texting and driving.

Nearly 400,000 people are injured in car accidents that are caused by texting and driving. One out of every four accidents in the United States is caused by a driver that was using a mobile device while driving. And if that’s not scary enough, AAA did a study as well. Talking to teen drivers. The fact is that 94% of teen drivers acknowledge the dangers of texting and driving. But 35% of those admitted to doing it anyway.

I have just myself admitted to doing it anyway, and I really tried to get my phone as far away from me as I can while I’m in my car. 21% of teen drivers involved fatal accidents were distracted by their cell phones. Those are the scary numbers that I hope this video is gonna raise awareness, and I hope once you’re behind the wheel and driving put the phone down, don’t use it at all. And if you do have to make that one phone call it better be on that Bluetooth with the vehicle.

And if you have any questions for me, call me at 314-350-4710 be safe.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Sa ovim slučajem sam se susretao par puta u svojoj karijeri gdje, moj klijent zadobije ozljede u auto udesu. Gdje, osoba koja je prouzrokovala taj auto udes ima neki medicinski problem. Hajde da kažemo, srčani, moždani ili epileptički napad, ili izgubi kratkotrajno svijest i prouzrokuje taj udes. Također sam imao klijenata koji su imali taj hitni medicinski problem i onda su prouzrokovali udes i nanijeli štetu nekome drugom.

Šta su opcije, šta zakon kaže vezano za to?

Zakon kaže: “Ako imate medicinski problem koji je neočekivan i prouzrokujete neki udes. Vi niste krivi za isti.” Šta mislim sa tim? Hajde recimo, vi nemate nikakvih zdravstvenih problema. Ujutro krenete na posao, hladno je, nedao Bog imate srčani napad, i prouzrokujete udes. Ako nikad niste imali problema sa tim. I to se samo najednom desi. Vi ne možete biti krivi za to isto. S druge strane, kako se to može zaobići, taj problem, taj zakon? Jeste, ako vi imate historiju tih problema. Hajde da kažemo, imate problema sa srcem, sa epileptičkim napadima u prošlosti. Doktor vam je propisao neke medikamente za iste.

Vi, nažalost, kao i dosta naših ljudi, ne koriste te medikamente kako treba, i prouzrokujete udes zbog nekorištenja tih medikamenata. Imate neki epileptički napad u toku vožnje ili slično. Eh, onda vi možete biti krivi za taj udes zato što ste mogli i bili ste u mogućnosti da spriječite isti kroz korištenje tih lijekova što vam je doktor propisao.

Ako imate bilo kakvih pitanja vezano za medicinske probleme u toku vožnje i udesa. Nazovite nas na 314-350-4710.

Pogledajte video na YouTube

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

I’ve come across this defence, this doctrine quite a few times in my practice. It’s called the sudden medical emergency defence, and it states that if the person who caused the car accident.

Suffered an unforeseen medical emergency, heart attack stroke seizure, etc. They cannot be legally held liable for those actions, because they could not control their actions and therefore they were not negligent.

My experience

It happened a few times in my cases. And there’s a couple of ways to try to go around that one. Because if it really is the truth that person suffered and the keyword here is an unforeseen medical emergency. Then really they cannot be held legally liable for that. So, if you’re done driving down the road, you’ve never had any health issue. Whatsoever you cannot foresee that you’re gonna have a heart attack or a stroke or seizure, when you’re driving to work then you should be fine.

However, a lot of folks out there do have medical problems. Unfortunately, they are aware of the seizures that they had in the past. They are aware of heart issues that they’ve had in the past. And stroke history that they had in the past and they still get behind the wheel. So, if you, if that at-fault person has a history of medical problems and still decide to go, and get behind the wheel, and drive, and then suffer another one. Or if that person was prescribed seizure medicine, they were not taking it for the last three days, and then they caused an accident.

Those are all exceptions to the sudden medical emergency doctrine or defence here in MO. And that’s one way to get around it. Hope you never have to suffer an accident.

Hope you never sell for a medical emergency in Missouri, but if you did have some of these issues, don’t hesitate to give me a call at 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Šta je to, kada dolazi u igru i zašto?

Zakonski gledajući, klauzula za plaćanje medicinskih računa ne mora da bude na vašem auto osiguranju. Vaš agent to vama zakonski ne mora prodati. Međutim to je veoma dobra stvar imati na auto osiguranju.

Prvi razlog

Klauzula za plaćanje medicinskih računa auto osiguranju, uvijek ulazi u igru kada imate račune od doktora, ili od bolnica nakon auto udesa. Nema veze ko je kriv, vi ako udarite drvo i imate medicinskih računa nakon tog udesa, ta klauzula će da plati vaše računa do tog limita koji imate.

Limite koje sam vidio ovdje u officu idu od 1000 dolara, do nekih 100.000 dolara, možete kupiti.
Ja ovdje što sam najviše vidio, bilo je 25.000 dolara. Znači da će vam pokriti vaše medicinske račune nakon auto udesa.

Drugi razlog

Nemorate da čekate, iako nije bio vaš udes, i ako će drugo osiguranje na kraju slučaja platiti vaše medicinske troškove. Vi ne morate da čekate kraj slučaja da se ti računi pokriju. To je dobro iz razloga gdje vaši doktori ili bolnice ne žele da čekaju kraj vašeg slučaja da dobiju svoj novac. Može se desiti da proslijede vaše račune, osobama koje će to postaviti na vašu kreditnu historiju. Što nije dobro za vas.

Treći razlog

Ova klauzula ne košta puno. Može vam puno pomoći u slučaju auto udesa, i u slučaju da imate račune vezane za auto udes.

Ako imate bilo kakvih pitanja vezana za klauzulu plaćanja medicinskih računa pod vašim auto osiguranjem, nazovite me na broj telefona 314-350-4710.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Pogledajte video u prilogu

Često dobijem pitanje; koliko košta angažman advokatskog ureda. Međutim, kada malo dublje razmislim o tome, jeste da većina naših klijenata kada nas kontaktira vezano za auto udes, nisu nikada angažovali advokata i nemaju pojma koliko će ih to koštati.

Odgovor je veoma jednostavan. Mi nenaplaćujemo ništa od klijenata vezano za slučajeve auto udesa. Što god da dobijemo od auto osiguranja na kraju slučaja, mi zadržimo jedan procenat od tog dobitka.

Šta to znači za naše klijente?

To znači da vas nećemo nikada pitati da platite za neke troškove vezano za auto udes, bilo to za naše advokatske troškove, ili troškove vezane gdje mi moramo nešto platiti. Sve to mi snosimo, i na kraju slučaja, kada dobijemo nešto od osiguranja, mi zadržavamo taj procenat.

Šta to znači za klijente, jeste da dosta više osoba ima pravo da iskoristi pravni sistem ovdje u Americi. Kada bi svi morali da plaćaju svoje advokatske troškove i troškove slučajeva iz džepa, koji nekada mogu da budu 5, 10, 15, 20, pa do sto hiljada dolara. Većina nas nema tog novca, da investira u nešto gdje nije 100% da će dobiti nešto nazad od toga.

Tako da naša firma, ako vidi da ima tu neki slučaj gdje možemo nešto da dobijemo na kraju svega toga. Investiramo novac, investiramo vrijeme, i što god da dobijemo od osiguranja, mi zadržavamo neku procentažu.

Nema nikakvog rizika za klijente, i zato mi ovdje nudimo besplatnu konsultaciju vezano za auto udese. Ukoliko imate bilo kakvih pitanja vezano za angažman advokatskog ureda, nazovite nas na 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Pitanje koje često dobijemo jeste, koliko dugo vremena nakon auto udesa imate da pokrenete slučaj od osobe koja vas je ozlijedila ili protiv auto osiguranja.

Zakon u Missouri

Pitanje je malo komplikovano. Hajde da uzmemo u obzir da to nije neka državna ustanova protiv koje se vodi slučaj i da vi niste maloljetnik kada se taj udes desi. U slučaju ako ste punoljetni i nije državna organizacija sa druge strane imate 5 godina nakon auto udesa da pokrenete sudski postupak. To je zakon u Missouri. Missouri je veoma liberalan što se tiče tog vremenskog perioda od 5 godina. Druge države širom Amerike imaju kraće periode od godinu, dvije ili tri, da morate pokrenuti postupak auto udesa. Ili nećete imati nikakvo pravo posle toga.

Razlog toga jeste, zašto nam daju 5, ili ograničavaju na vremenski period jeste zato, što svjedoci i činjenice i stvari se zaboravljaju nakon izvjesnog perioda. Tako da i sud želi da to odradi što prije, da nemaju baš neke veoma stare sluučajeve. Međutim, ne bih vam preporučio da čekate 5 godina da pokrenete bilo šta.

Savjet

Moj savjet je da pokrenete slučaj što prije. To znači da ako ste ozljeđeni, da nađete što prije ljekara, da pokrenete postupak što prije. Ne čekajte ni blizu 5 godina da to sve završite . Ako imate bilo kakvih pitanja za mene, nazovite me na 314-350-4710. Konsultacije su besplatne.

Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

I’m actually surprised by this question. When I think back on it, most people do not have to hire a lawyer, until they’re involved in a car accident. Therefore, they don’t know how the system works.

Car accident claim

Basically, a car accident claim or a lawsuit is handled by most law firms. And our law firm as well on a contingency basis. Which means we don’t ask for any money upfront. We will assume all the risk and all cost associate with claim and or lawsuit. And the client doesn’t have to pay for anything. At the end of the case, if we get anything for the client we will keep a percentage of the recovery. The rest goes to the client and any fees or any bills, doctor’s bills, and all that stuff meant to be paid.

Basically the way this agreement works is that kind of gives access to justice to everyday folks. Because, at the end of the day, insurance companies have got a lot of money. If every single individual had to pay for their own out of pocket expenses associated with the lawsuit that can run into the 10’s, the ’20s, hundred thousands of dollars, then it would not make sense for them, because most of us don’t have that kind of money lying around to invest in a lawsuit where the outcome is uncertain.

Agreement

This agreement allows our clients to hire us, will foot the bill for the cost associate with it. And we will get a percentage of any recovery that we make. That also means is that the more money we make for the client, the more money the firm keeps. And, therefore, is in everybody’s interest to get as large of recovery as we can.

If you have any questions regarding contingency fees, and how much it cost to hire our law firm, which as I just said, it’s nothing out of pocket, so no risk to our clients. And we also offer free consultations. Don’t hesitate to call me at 314-350-4710.

Thank you and you have a good day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is a recorded statement to the other driver’s insurance company. After a car accident, the other driver’s insurance company will get on the phone really fast and try to get you. To get on the record and tell them what happened.

They want to lock you in, and kind of try to use that statement against you really. The short answer to the question, whether or not you have to give a recorded statement to the other driver’s insurance company is no.

We always advise our clients not to do a recorded statement before we have to file a lawsuit. Before we enter the litigation phase of the case. Because people say things initially after a car accident, that they sometimes didn’t mean to say. It was the wrong thing, because some other facts come to light. Facts that they didn’t know about at the time when they’re giving the recorded statement.

My advice to our clients is always don’t do it before we start litigation. If we start litigation they’ll have plenty of opportunities to sit down with you. And ask any and all questions that they have related to the accident. What I do say to the adjuster if you trying to avoid litigation, hopefully, kind of get this resolve that’s a claim.

I asked the adjuster to send me the questions that they have in writing. Which gives us time to sit down with our clients and answer them in the comfort of our home. So our office, and so we don’t feel under the pressure when somebody is recording us live on the phone. So, again you don’t have to give a recorded statement to the other driver’s insurance company.

The one thing that may cause is to delay your claim for a little bit. But it’s better to delay than have it denied. Because of a recorded statement, and things that you didn’t want to say in the first. That the adjuster puts some words in your mouth and so on. It’ changes a little bit when we are dealing with the uninsured motorist claim. You dealing with your own insurance company, and according to their language in their policy. They say you have to cooperate with them.

Do you have to give a recorded statement to them, depends on the fact that circumstances fill try to get it done via written questions. And if it doesn’t work, if we see that are going to be some issues from their side we just file a lawsuit, and there you go, you can talk to our insurance on depositions.

If you have any questions regarding recorded statements at the insurance company, or if you have any questions regarding car accident, please don’t hesitate to give me a call at 314-350-4710. Thank you.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Govorimo o temi zahtjev za nadoknadu troškova zdravstvenog osiguranja nakon auto udesa.

Desio se udes i vi ste možda morali da idete u bolnicu. Bili ste kod kućnog doktora, na terapijama i sl. Vaše zdravstveno osiguranje je platilo te račune. Sada ste vi u situaciji gdje želite da završite slučaj sa osiguranjem od auto osiguranja od osobe koja je kriva za vaš udes. I imate problem sa vašim zdravstvenim osiguranjem.

Oni šalju pisma i zovu vas da kažu, mi imamo pravo da dobijemo novac nazad od auto osiguranja za sve troškove koje smo platili za vašu medicinsku njegu. I onda je pitanje, da li oni stvarno imaju pravo da dobiju taj novac nazad ili ne.

Imaju li oni na to pravo ili ne?

Par koraka moramo uraditi prije nego što ustanovimo da li oni zapravo imaju pravo ili ne. Da dobijemo čitavu polisu koju moramo pročitati tj., vi ili vaš advokat koji vas zastupa u slučaju auto udesa. Mora pročitati čitavu polisu i da vidimo da li postoji klauzula koja njima daje pravo da dobiju novac nazad od auto osiguranja. Ako ta klauzula postoji, sljedeći korak je da ustanovimo, da li je ta klauzula važeća pod zakonom Missouri-a, neke od njih nisu.

Da li polisa osiguranja spada pod ERISA zakon?

Treća stvar jeste da ustanovimo da li ta polisa zdravstvenog osiguranja spada pod federalni zakon ERISA-e i ako ne da probamo to da riješimo. U najzadnjem koraku, ako se ustanovi da imaju pravo da dobiju neki novac nazad od auto osiguranja. Zadnji korak, vi ili vaš advokat jeste da pokušate smanjiti tu cifru što više.

Kako to možete uraditi?

Na kraju krajeva, vi ako ne završite slučaj sa auto osiguranjem, vaše privatno zdravstveno osiguranje neće dobiti ništa. Tako da vi njima možete da kažete, ok, dat ćemo vam 50% od ovih troškova što ste vi platili. Ako ste za, ja ću završiti sa auto osiguranjem. Poslat ću vam ček, ili će vam auto osiguranje direktno poslati taj ček. Ukoliko ne uradite ove korake, završite slučaj sa auto osiguranjem, šanse su tu da vas vaše privatno zdravstveno osiguranje može tužiti za sve te troškove. I mogu vam prekinuti zdravstveno osiguranje, ne želite tu da ulazite.

Ako imate bilo kakvih pitanja, vezano za zahtjev za nadoknadu troškova zdravstvenog osiguranja nakon auto udesa, javite mi se na, 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

We are going to talk about, private health insurance, subrogation rights after a car accident.

Let’s assume you’ve been involved in a car accident, you went to a hospital, saw some physical therapist, your primary care physician and so on, and you are getting ready to settle your car accident case.
The problem you are going to face, if you’ve got private health insurance is that. They may have sent you a letter, or your attorney.
Asking questions about the accident.

Hey, is anybody else responsible for these bills? They want some of that money that they paid out, they wanted back.

Question is, are they entitled to that money?

Well, it’s really not as simple as it seems. There are a few steps that need to be taken to make sure that they really are entitled to it. And if not, just tell them to go away. The very first step that you have to do, or your attorney has to do is, get the policy. Get the entire private health insurance policy and read it. And make sure that there is something in that policy which is a contract between you and the private health insurance company. Kind of giving them the right to subrogate or get some of the money back. Next, if there is a provision in that policy you have to make sure that it’s actually enforceable under Missouri laws. Because some of those provisions are really not.

Next thing is going to be, even if they are enforceable under the laws, hey you’ve got to try and figure it out. How to negotiate those numbers down and at least try to minimize them. So that they don’t get anything more than they entitled to, get less then what they should be getting more money in your pocket.

A private health insurance company

If you don’t do that initially and a couple of issues you may have down the road is that you are going to get sued by your private health insurance company claiming those rights. They’re going to cut you off from the plan and say, listen, we want that money back so make sure you do that stuff.

As I said, these private health insurance companies will do anything in their power to convince you that you have to pay that money back whenever they paid for your medical treatments. But don’t fall for that. Go through those steps that we just discussed and if they are entitled to it. Try to negotiate them down as much as possible. Because at the end of the day, if you tell them, I’m just going to drop this claim. And you guys not going to get anything. Then zero for zero is nothing.

That’s what the steps that you should be taking to resolve a subrogation from private health insurance. If you have any questions, call me 314-350-4710. Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Iako većina naših slučajeva je vezana za auto udese ovdje u uredu, mi se također bavimo zakonom o ujedu pasa ako se dese u Missouriju.

Šta zapravo kaže zakon za isti, ako Vas ujede cuko?

Zakon je veoma striktan kada dođe do ozljeda od psa. Ako Vas ujede mora se dokazati da Vas je ujeo taj pas. Da ste bili legalno na mjestu gdje se to desilo, i da Vi niste ništa učinili da prouzrokujete da Vas pas ujede. Niste puckali cuku. Zakon je veoma striktan, tj. ako to možete dokazati Vi možete dobiti naknadu za Vaše ozljede. Što se tiče nehotičnih ozljeda od cuka. Ako Vas cuko nije ujeo nego Vas je samo oborio i ozljedite lakat, rame, leđa ili sl. U tom slučaju, također imate pravo da dobijete odštetu za Vaše ozljede. Međutim nema specifična tačka zakona kao što imamo zakon o ujedu pasa u Missouriju. Šta su česte odbrane u ovim slučajevima. U slučaju o ujedu pasa, česte odbrane su da Vi niste bili legalno na licu mjesta gdje se to desilo.

Primjer

Vi ste htjeli da obijete nečiju kuću, i zapravo, bili ste ilegalno na tom mjestu i taj cuko Vas je ujeo. Odbrana broj 2 za ujed psa jeste da ste Vi uradili nešto da napravite provokaciju da Vas cuko ujede. Puckali ste cuku, nešto ste ludo radili i cuko Vas ujeo. To su dvije odbrane kada Vas cuko ujede. Odbrana za nehotične ozljede cuke jeste inače da ste Vi kreirali nešto, da ste Vi prouzrokovali nešto da Vas cuko napadne. I tako doprinjeli tim Vašim ozljedama. U svkom slučaju Vi imate pravo na odštetu za Vaše tjelesne ozljede ako Vas cuko ujede.

Dezinformacija

Razlog zašto sam htio da napravim ovaj video jeste jer čuo sam mnogo dezinformacija. Kažu: “Hej, ako Vas cuko jednom ujede to je uredu, ne možete ništa uraditi mora Vas cuko dva puta ujesti. Ili morao je cuko nekoga i prije napasti tako da Vi možete dokazati da je taj cuko opasan po okolinu ili slično.” Nije istina, zakon je veoma striktan. Ako Vas pas ujede imate pravo na odštetu za Vaše tjelesne ozljede. Ako imate bilo kakvih pitanja vezano za ovu temu, nazovite me na: 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today topic is going to be why you should increase your uninsured motorist and underinsured motorist limits under your car insurance policy to $250k.

Example number 1

Our client gets hammered by an uninsured driver. He spent a few days at a hospital. The doctor saying that he may need neck surgery, which cost around $100k. You know, I just said the driver that hit him did not have insurance at all. We are forced to go under his car insurance policy. Unfortunately, his limits are the minimum ones. $25k. We got him that under his policy. That’s why you should increase your uninsured motorist policy to $250k. If he had that, he wouldn’t be titled to which would it made much easier for him to get over this life event.

Example number 2

Why you should have $250k in underinsurance motorist coverage. It’s a similar story. Our client gets hammered. By an underinsured driver, which mean that again our client spent a few days at a hospital. The doctor said that she needs to have neck surgery. That cost estimate about $150k. Unfortunately, the other driver only had $25k in coverage. The insurance company paid that out and we initially looked at his underinsured policy and he did not have it at all. I mean, she didn’t have it at all. The client was stuck with getting only $25k instead of $250k if she had that coverage.

Important

Again, that is why is important for you. Go talk to your insurance agent. It is not that expensive to increase your uninsured and underinsured motorist policy limits to $250k. Do it today. Protect yourself. Protect your family.

If you have any question for me don’t hesitate to call me at 314-350-4710. Thank you very much, and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be, what should I do if the car insurance company denies my claim after an accident after a law sends on.

The first thing you should do

Obviously, the first thing you should do is ask them to put it in writing to say. This is the reason we denied your claim. Some of the denials are actually legit. So, if you failing a claim, it’s a 100% your fault then obviously they’re going to deny. And you can’t get any compensation for this.

The insurance company had denied their claim

However, I have had a lot of clients come in after the insurance company had denied their claim. We were successful in making any compensation for them at the end of the case. One thing that we have to understand is that the insurance company denying claims is in their best financial interest.

If they tell you to like, nope, we not paying for it, and you just not do anything about it, even though it may have been a legit claim, they actually make money on it. Because they make that money that they would pay you for that legit claim.

The example

The example that I’m getting at here, here are the facts. My client is making a left turn on a green arrow. And young lady very nice young lady, blows the red light, hits him, T-bones him, and injures him. There is a witness, and witness confirms that that lady runs a red light, she gets a ticket for it. She actually goes out and pays for that ticket, basically admitting to being at fault for this accident and so the client initially file a claim with the insurance company.

Just one thing, is property damage is car fixed, well guess what, they denied that claim. They denied that claim even though he said he had a green arrow, there was a witness that says that their client, their insurant blew off red light, and their client, their insurer admitted guilt admitted fault by pleading guilty to that traffic violation. We were forced to file a lawsuit, and at the end of that, not only that we get him property damage paid out, but we also got him everything that she had in insurance coverage for his bodily injuries.

The point

So, the point being here is if the insurance company does deny your claim don’t let it end at that, you got options. Have a lawyer take a look at it, talk to a lawyer, give him the facts, and the lawyer, I or somebody else will agree or disagree and say yap, they right in denying this claim, or no, they were wrong, here is why, and here is what we going to do.

If you have any questions if the insurance company denies my claim, don’t hesitate to reach out at 314-350-4710. Thank you very much, and have a wonderful day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Danas je jedna interesantna tema, zakon fantomskog vozila u državi Missouri.

Šta je fantomsko vozilo?

Fantomsko vozilo, kako ga shvataju u osiguravajućim kućama jeste, vozilo koje je prouzrokovalo udes, međutim ne možemo da napravimo identifikaciju niti vozača, niti tog vozila.

Šta to znači?

Hajde da uzmemo jedan primjer, vi ste na autoputu i vozilo sa vaše lijeve strane pokušava da uđe u vašu liniju. Vi se prepadnete i skrenete desno, udarite kamen. Imao sam sličan slučaj kao taj.

Ili drugi primjer jeste, vi vozite niz ulicu koja ima jednu traku u oba pravca. Automobil koji dolazi sa druge strane ulazi u vašu liniju i vi ste forsirani da skrenete desno i udarite drvo. Udarite drvo i vi ste ozljeđeni. Imao sam i takav slučaj.

Da li vi imate pravo da naplatite za odštetu od vašeg osiguranja?

Pod ovim zakonom fantomskog vozila u oba primjera podrazumijeva se da to vozilo koje je prouzrokovalo udes nije ostalo na licu mjesta i pobjeglo je, i ne možemo da ga identificiramo. Da li imate pravo, imate. Međutim, veoma je teško to dokazati.

Kao prvo, moramo razumijeti da u Missouri ne zahtijeva zakon da vi napravite kontakt sa tim drugim vozilom, tj. ako vas to vozilo samo prepadne i vi morate skrenuti desno ili lijevo i napravite neki udes, udarite u drvo ili u kamen i ozljeđeni ste.

Vi niste primorani imati kontakt sa drugim vozilom. Neke druge države zahtijevaju da bude kontakt. Ako imamo crveno vozilo i bijelo vozilo, veoma je jednostavno ustanoviti da je tu bilo kontakta na osnovu farbe koja ostaje na vozilima. Missouri to ne zatijeva, važno je da se vi prepadnete zbog tog drugog vozila i udarite nešto i imate ozljede.

Kako to dokazati?

U svakom slučaju, ako ste u mogućnosti nazvati policiju i dati izvještaj šta je bilo i dati im što više informacija o tom drugom vozilu. Ako ste zapamtili kakve je boje, je li manje ili veće auto i slično.

Druga stvar što je važna jeste, ako dođe do nekih svjedoka koji stanu nakon vašeg udesa da vam pomognu. Veoma je važno uzeti njihove kontakt informacije pošto sam vidio toliko puta da oni nikad ne završe na policijskom reportu.

Uzmite njihove kontakt informacije tako da možete ih kasnije pitati šta su oni vidjeli. Tako možete dokazati da je fantomsko vozilo prouzrokovalo vaš udes i da vi niste sami sletili sa ulice i udarili u drvo.

Ako imate bilo kakvih pitanja za temu zakon fantomskog vozila, nazovite me na 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

The question I’ve received recently is, how can our firm help a client receive the maximum compensation after a car accident that he’s been involved in? The answer is very simple. We have got the experience. We’ve got resources and we’ve got the knowledge to pursue maximum compensation on your behalf.

Car accident claim

The question that I’ve asked this client is, when was the last time you filed a car accident claim, not even litigated one. The answer was, never. Well, that’s what we do here all day, every day. So, basically what we start out doing is gathering. We conduct extensive research and investigations into the accident scene. We gather police report, traffic video surveillance as a matter a fact one actually worked against us. But we were able to get that video information from the city of Saint Louis Police Department.

Consult with experts

We consult with experts in the field that we need in order to improve or strengthen your case. Case, we identify witnesses, we subpoena then, we talk to them before we do anything else. And we obtain medical records, hospital records on your behalf, medical bills. We also gather testimony from your doctors. Kind of get together with them and say, hey listen, in your medical opinion, how has this accident affected our client. Also discuss the impact of your car accident with your family, friends.

We can get to the bottom, how exactly this car accident has affected your life. Then we do a calculation of lost wages and gather the supporting documents to prove those lost wages on our clients behalf. Through all that worried up to the potential before, or even after we have to file a lawsuit. We are able to maximize the compensation our clients receive after a car accident.

So, if you need any help, if you have any questions for us, give me a call, 314-350-4710. Thank you, and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

I had a question the other day, that people wanted to see my contingency fee agreement. To give you a bit of background. Most car accident lawyers handle these cases on a contingency fee basis. Most of them charge 1/3 if the case settles out of court, meaning if resolving as a claim. 90+ per cent of all car accident cases actually resolve as a claim. The other 10% that we have to file, in court that goes to litigation. We then charge 40% and all of those numbers are from the gross fee. If we recover a $100.000 for personal injuries for a client, we would get to keep $33.333 and the $67k+ would go to the client. What I wanted to show you is our fee agreement because that is what the client wanted to see.

This is what our client agreement looks like

The first line is gonna be about the client. Example: Jane Doe Car Accident. And the second line is going to be who the attorney is? It would be me. The third line is going to be the date of loss. What’s today’s date: 11/19/2020. And that that’s all we need up there. The next statement in the fee agreement is a contingency fee agreement. Basically, the client retains Bajric&Ramic law office as legal counsel in the above-referenced matter, and matters rising their front. Contingency basis, says that legal get the 1/3 if it resolves compromise or settlement before a suit is filed. And 40% of any amount recovered after the suit is filed, or after our mediation is requested.

Expenses related to the accident

We will pay for all the expenses related to the accident, related to the claim or the lawsuit and that amount is going to be recovered or deducted from the settlement amount. It is agreed and understood that this employment and representation is upon a contingent fee basis. And if no recovery is made I will not be able to indebt to said the attorney. If you don’t make a recovery for the client we will not get paid. We will never charge client out of pocket for anything when it to this stuff. Also, it is also understood that the attorneys will not settle any claim without first consulting the client, which means that once I get to top offer or any offer from the insurance the company I will sit down with the client I will have a settlement statement prepared.

Premission

We get permission from the client here in the agreement so that we can sign the settlement draft on their behalf. Once we settle the case, we will get a check from the insurance company that’s written to the firm as well as to the client. We don’t want the client to just come to the office to sign the check. We get permission from the client initially to sign that check. Appeals, if we go to trials, the chances of this happening are slim, but if we go to trial, we win or lose, and there is an appeal going to happen, a separate agreement will be entered into.

Advise the client

The last thing that we have to advise the client is that if you are gonna keep the file for additional 5 years. We have to keep clients file for a period of time. Much easier these days because of electronic data storage. So they will keep it for 5 years. Usually, it’s much longer than that because of the electronic application of saving data. That’s basically what the contract is. We dated the client sign it, we sign it, that’s it.

If you have any other questions when it comes to the fee agreement please don’t hesitate to reach out to me at 314-350-4710. Thank you very much and you have a wonderful day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be the first meeting with the client. And that usually happens at our office. I’m known to also meet clients at their place of residence if they’re unable to come to me. That kinda gives us an opportunity to meet face to face and go into the acts of an accident.

Initial meeting

What I like to do in the initial meeting I like to let the client talk as much he/she wants. I want to get all the facts. The good, the bad and the ugly at the end of the day. Once I gather all the facts I like to restate them with the major points in terms of the law. I will also tell my clients how the law stands on those issues. Example in a car accident case would be how the law stances on liability and damages and so on. I also tried to set the expectations of the client. Because if the client has got the expectations that are unrealistic, it may be best to set them straight, and if that’s not possible to decline representation.

I like to be honest with my clients

If I realise and this is soft tissue injury case, no broken bones tore ligaments, no surgeries I can guaranty you that case is not gonna be worth a million dollars, okay? And if the client still thinks that the case is worth a million dollars, then it’s probably best for me to decline that case, and it’s best for the client as well because guess what, I’m not gonna be able to meet those expectations.

The first meeting

The first meeting also gives the client that same opportunity to meet me, see if they like me and if they don’t it’s best to just say: Sorry, I’m just don’t feel comfortable, and I’m not gonna move forward with this case with you. That’s perfectly fine because if I said: It’s an attorney-client privilege two-way street, and there is gonna be some trust, there is gonna be some respect for us to move forward, and get along and get a case resolved to the best and maximum compensation possible. Hope this helps explain how the first meeting with the client goes with our office.

If you have any questions for me don’t hesitate to give me a call at 314-350-4710. Thank you very much, and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be an attorney client communication. At the initial client meeting, I like to call the client that the attorney-client privilege is a two-way street.

What’s that mean?

Well, I like to stay in touch with my clients, at least every couple of weeks, once a month so I can stay on top of their case, can figure out what they’re treatment is, where they’re going to doctors if they need any help from me. I also like to advise the clients that if they have any questions to call me. I hate when clients do something on their own without checking with me first, that is detrimental to their case. They will go out and they will ask their aunt, an uncle who may have on may not have been in a car accident. And that’s really not the best possible way to move forward with a case. I like to answer all of my client’s phone calls on the same day. Unfortunately, sometimes it can take up to 24h. Because I may be stuck in court, I may be in meetings, etc. Since we work as a team here in the office, in most instances one of my coworkers will be able to answer those questions.

My advice to those clients is

If you have questions if I’m unavailable in most instances one of my coworkers will be able to answer those questions so talk to them. I also like to have my clients understand that the very first meeting is that approximately 98% of all car accident cases will not get in front of a jury. That’s just a fact. If you have to file a lawsuit. The reason I like to tell them that, because, most people are very apprehensive of going to court. They’ve never been to court. They don’t want to go through that process, they don’t want to be in front of a jury and answer those questions. Rest assured, 98% of those cases are settled before we ever have to see a jury. It’s not like in the movies.

If you have any other questions for me please don’t hesitate to give me a call at 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be us digging deeper if we decide to take the client on. If we decide to move forward with the case we are gonna go deeper and get all the necessary information that we need. When I say all the necessary information I mean the good the bad and the ugly. Some of that information may be embarrassing to the client, but we need to know it initially.

Don’t lie

The worst thing that can happen is if the web proceeds with this case, and maybe we have to file a lawsuit and turn south that the client lied to us, lied to opposing counsel. My one piece of advice to all clients is: The only time we can not help you with your case is if you are caught lying. If you are caught lying that’s just the death knell of your case. Does not make you look good no matter how good of a case you’ve got if you are caught lying, it’s not good for it.

We need information

Once you start digging deeper, we’ll need some general information and some documents as well. Some of those documents the client has access to, and we don’t. We’ll ask the client to provide them to us. Other documents we can order ourselves and the client will sign an authorisation, those documents are medical records and bills, and so forth. All the information also include name, address, phone number, email, general stuff, witnesses, treating physicians and so on, statements given to any insurance company. All of that information we will need to know. We will also ask the client if they need any assistance filling out any forms. Once we’ve gathered all of that deep-link, facts, information. We can get to work, and start building the case. Hope this help on how we proceed with the case if we decide to take it.

If you have any other questions give me a call: 314-350-4710. Thank you very much, and you have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be terms of representation or contracts with a lawyer. Clients don’t deal with attorneys on a daily basis, or at least most of them don’t. They are not familiar with how a contract with a lawyer works. Our contract specifically for a car accident case, in general, is a contingency fee-based agreement.

Contingency fee-based agreement

What that means for the client is that they will never owe us anything out of pocket ever if we don’t make a recovery against terms the insurance company. If the are successful and do get the recovery from the insurance company. We usually get to keep one-third of the proceeds of the gross proceeds we recover from the insurance company. Example: If we are able to recover a $100.000 from the insurance company for a client for injuries we would get to keep $33.333. That’s pre-litigation if we have to go into litigation our fee increases to 40%. Keep in mind that does not happen very often, less than 10% of the time. Because most car accident cases are resolved as a claim. Well, 98%+ of the cases are resolved as a claim.

The client can discharge us at any time

Having said that, the next point is that the client can discharge us at any time. If you within a month two decide: I don’t like you guys anymore I want to go with somebody else. I wanna do it myself. Whatever the reason the client can discharge us and that’s fine. That contract says: The client himself/herself will not owe us anything out of pocket. However, we will then send a lining to the insurance company, that says how much time we have expanded for this case. And these are costs, and once the case settles. Please send us this amount of money and then send the rest to the client or their successor attorney.

If you have any questions when it comes to attorney contracts please don’t hesitate to reach out to me at 314-350-4710.

Today’s topic is going to be interrogatories. Once you commence a lawsuit in a personal injury or car accident case, the first thing you gotta do is file a petition. Give notice to the other side that the lawsuit has commenced. And the very next step is called the discovery process. Discovery, as the word implies, is kinda going digging for information. The first thing in the discovery process is the exchange of the interrogatories.

What are interrogatories in the car accident case?

They are basically a list of questions directed at the plaintiff as well as the defendant. Each side can send them, and they usually do. They are very personal in nature, or to a certain extent, some of them are. They are very broad, so don’t be surprised if the other side asks you about your employment for the past five years, where you worked, what you did, and all that stuff. If they ask you about your family situation, are you married, do you have any kids, level of education, and so on.

Claiming lost vages

If you are claiming lost vages don’t be surprised if they ask you to send them your tax returns for the past 3-5 years, depending on what you are claiming. That’s the first step, what you have to keep in mind when comes to interrogatories aspect of discovery is that those questions are answered under oath. We all make mistakes, but some mistakes are worst than others because some are not the mistakes, but leading the other side on by lying to them. That’s the one thing you don’t want to do when it comes to the interrogatories. If you don’t know an answer to a question just say: I don’t know the answer to that question. That’s perfectly fine, but don’t go out lying about an answer. They are under oath, and you can be held in contempt.

One thing that I tell clients

The only time that I cannot help you when it comes to these cases is if you are caught lying. Everything else we can fix. Those are interrogatories in a car accident case. Basic questions that go in the depth about who you are, what injuries you are claiming, and when it comes to injuries they are gonna ask you about doctors etc. Most important thing be truthful and answer to the best of your ability. Hope this helps and if you have any other questions give me a call at 314-350-4710. Thank you.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is pre lawsuit demand. Once our client has reached maximum medical improvement or MMI. Meaning doctors have healed him or her or they have done only so much for that person and medicine really can’t help them anymore.

Medical records and bills

We are in a position once we obtain all the medical records and bills to starting negotiating with the insurance company. What we do is obtained again all the necessary paperwork from the hospital, ambulance, to primary care, physicians specialists. Write our demand which is usually detailed. We sit down with a client and ask, how this accident has affected their lives. Include all the supporting medical records and then send that to the insurance company with a number that we demand from them. Usually, that number is in the way I’m looking at it. It’s the best-case scenario if that case goes to trial and the jury just lofts our client.

Cases

Most cases are not like that, but that’s the number I tried to include in there. We sent the insurance company. We give them about 30 days, not about we give them exactly 30 days to reply to our demand and usually they do so. Their number is lower than what we demanding. I’ll go figure right. Anyway, we got that offer and then you’re legally obligated to sit down with the client. We explained the client: “Hey this is what they think about your case. This is what they’re offering based on that after tourney’s fees expenses and if there are any medical liens this is what you would put in your pocket. As I said in 90% plus of the cases most clients okay let’s just top it off. Wrap it up. Some of them say, nope that does not enough negotiate it higher.

In some instances, we are forced to file a lawsuit

But, as I said, once we have everything in front of us be kind and know the value of that case. We will give our opinion to the client. We will say: “Hey, listen, this is the offer we think that this offer is B.S.” Or, we will say: “This offer is great. These are your possibilities. You make that call. As I said some clients want us to file a lawsuit. Others say “I’m happy. I’m okay with it. Let’s wrap it up. ” But, that’s kind of how the pre-lawsuit demand looks.

If you have any questions, give me a call at 314-350-4710. Thank you, and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today topic is going to be mediation in a car accident case. In the context of a car accident claim mediation is a process in which a trained mediator helps you and the other side to try to reach an agreement. Mediation can’t require either party to do anything. It’s all voluntary. Instead, they facilitate I guess dialogue.

Trained mediators

Trained mediators bring all parties together. You can’t force the insurance company to mediate. However, it is good, how I gonna call it, a good tool if you don’t want to pack your briefcase and had to court right away. Can be cheaper. It can result in resolving your car accident case quicker. It’s worth giving it a try. Mediation can happen before a lawsuit was filed. Mediation can also happen after you file a lawsuit.

What happens in mediation?

Basically, the party’s in advance agree to the rules. They sign a mediation agreement. One of the aspects of that is going to be confidential. None of that stuff learned in mediation can be used in litigation if it happens. Basically, the parties get together. If you are the petitioner you’ll go ahead and explain your side of the story. The other side explains their side. The mediator can either have all parties in the same room, or use the shuttle process where he zips, or she zips between rooms, and the party are separated in those 2 rooms. He tries to make each side understand their strength, and what’s also more important the weaknesses of each side’s case. In their opinion kind of give us some guidance as to which way to go.

Mediation depends of willing

We’ve had success in mediation, we’ve also had to walk out of mediation. It just depends if the other side is really ready willing and able to get a claim or case resolved once we are there. What’s important in a few tips when it comes to mediation. One of the most important ones is that you have to have the person that’s going to be making the final call be present. Because, you don’t want to reach an agreement and then, they’re gonna have to call somebody and just get there okay. That sometimes can definitely scruw everything up. The decision-maker has to be present when it comes to in the room being accessible right there and then.

Mediator has no authority to force an agreement

Even if the mediator thinks it’s a good agreement that’s been reached. He can’t force it so both sides have to say like: “Yep, that’s what we want, they sign off on it, and then the case is resolved.

Hope this helps when it comes to mediation car accident cases. However, if you have any other questions for me, don’t hesitate to call me at 314-350-4710. Thank you very much, and have a good day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Today’s topic is going to be the use of the co-counsel agreement. Sometimes we see the need to associate with the co-counsel that may have more expertise more than us when it comes to handling the particulate matter.

If that happens we will advise the client and have the client sign something acknowledging that we’ve introduced them to the co-counsel and acknowledging that the co-counsel is going to be working with us on the case. Sometimes we are retained as co-counsel in a case and we help other attorneys handle the matter.

How does it work for the client?

It’s a win-win. Why? You’ve got more lawyers more law firms working on your case and the fee is going to be the same. Your fee is not going to increase. However, you will receive more lawyers, more eyes, brains, firms working on your case. In all instances, we introduce the clients to co-counsel and they know what’s going on.

If you have any questions when it comes to co-counsel agreement please don’t hesitate to give us a call at 314-350-4710. Thank you very much and you have a good day.

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Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Then we are gonna talk about each and every heading of that police report. Let’s just jump straight into it, and go from there. Here it is. This is a Missouri uniform crash report. Your crash report from the cities St. Louis county and across Missouri will look pretty much as same as this one. For demonstration purposes, this one is from St. Charles County police department. Let’s keep track of our progress by this number.

Numer 1 you are gonna the general crash information.

That’s gonna be on your first page. You’re gonna get a Crash date, crash time, when the police were notified, what type of roadway, any photos were taken.

Number 2 – It’s gonna give us a location as to where the accident happened.

This one happened in St. Charless County crossroads, or St. Peters Howl RD and Central School RD. It will give us the speed limit and so on. It will give us extra information. If you really want to dig deeper which way the roads are going, what kind of intersection it is, road surfaces, light conditions.

Number 3 – Damage to property other than vehicles.

Here there wasn’t any, but just in case if you hit like, fence on the side of the road or street sign, light it will give us the information. And it will give us who is responsible for it.

Number 4 – Witnesses.

This is a big one. In most instances, we have this one as being blank. Even though sometimes police officers do talk to people at the scene. I don’t know why they don’t add their names and phone numbers to the police report. You would be surprised as to how many I’ve seen where the client of mine says: “Fifteen people stop they gave all their names and phone numbers”- and I said did you get it? They are like – No, but police officers got it, and you see this and it’s not there.

Number 5 – If a pedestrian is involved.

In this instance, there wasn’t. You’re gonna get the name. Their date of birth, sex and where they crossing the road with the signal, against the signal. All extra information that the police officers are able to get at the scene.

Number 6 – It will give us a collision of the accident.

In this instance, the collision was pretty accurate. The diagram was pretty accurate. I’ve seen these diagrams way off. They will have, vehicles mixed up, directions mixed up. Take these with a grain of salt.

Number 7 – This is the identifying assault information.

We will have drivers names, phone numbers, address, driver’s licence numbers, their dates of birth. The insurance company that they are with. Their phone number, the policy number, who the owner of the vehicle is. That is kinda the important information that we need, so we can start digging deeper. It will have driver one and it will have driver two. If there are more than two drivers involved, they will have additional pages for that. It will give us the names of occupants. If there were any other people in the vehicle besides drivers. This is an important one.

Narrative statement. That’s number 8.

They use codes on here to kinda shorten their work. But number nine is actually important for us. It will give us narrative as to what the police officer encountered, what he was told how the accident happened and the statement of the drivers. Again, take this with a grain of salt. Sometimes, my client will say: “Well I never said that.” Or said that the police officer never talked to me as to how the accident happened. One of the reasons that the police is actually not admissible into evidence is if we are trying a case. It’s basically hearsay because the police officer wasn’t there to see, feel, hear when the accident happened. He is just getting his information second hand from the people that were involved in the accident. This is kind what a police report looks like after the car accident in Missouri.

Accident referral card

A lot of people think it’s just that accident referral card that they get at the scene. Their names, and then the other driver’s name. But no. That’s just the accident referral card. They will give you a police report number. Which is also in the upper right-hand corner. Then we can order the police record to get all this additional information.

Hope this helps. If you have any other questions for me, give me a call at 314-350-4710. You guys have yourself a wonderful rest.

Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Danas pričamo o policijskim izvještajima nakon auto udesa. I ne samo to nego direktno ćemo vam pokazati kako oni izgledaju i šta mi tražimo u njima.

Missouri uniform crash report

Širom Missouri-a koristi se isti format – Missouri uniform crash report. Pratiti ćemo ove cifre ovdje. Pod broj 1 imamo generalne informacije u ovome slučaju policijski izvještaj je iz St. Charless County Police Department. Udes se desio 15. Maja 2020 godine u 17:55h.

Br. 1

Pod broj 1 imate generalne informacije kada se desio udes, ko je izašao da napravi policijski report, kakav je put bio, šta se tačno desilo, da li se vozilo prevrnulo itd. To su ti detalji pod broj 1.

Br. 2

Pod broj 2. lokacija – Gdje se udes tačno desio? U ovome slučaj u St. Charless County-u, na ulicama St. Peters Howell Road i Central School Road. I imamo ovdje kolika su ograničenja brzine na ovim ulicama. Uz to imamo više generalnih informacija – Kakva je ulica?

Br.3

Pod broj 3 – Odšteta na materijalnim stvarima koje nisu vozila. Tu spadaju semafori, ograde koji su pored puta i slično, i ko nadgleda te stvari?

Br. 4

Broj 4 – Svjedoci. Ovo je veoma važno i kao što vidite u ovom slučaju nemamo svjedoka iako se dosta puta desi da imamo svjedoke, međutim policija ih ne navede u policijskom reportu. Nije neobično. Pokušaju to da navedu ako imamo neki ozbiljan slučaj, smrtni slučaj i slično.

Br. 5

Broj 5 – Pješaci. Da li su pješaci bili umješani u ovaj auto udes i njihove informacije – ime, prezime, broj telefona, datum rođenja, spol. Uz to navodi se šta se sa njima desilo, da li su transportovani u bolnicu. Ovo je važna stvar.

Br. 6

Broj 6 – Dijagram kolizije. Ovdje ćemo imati skicu kako se udes desio. Tu skicu moramo gledati malo skeptično pošto sam imao više slučajeva gdje policajci pogriješe i broj vozila i broj vozača i ko je gdje išao. U ovome slučaju sve je bilo tačno. Moj klijent je stajao ovdje da skrene lijevo, osoba je pokušala da skrene desno i nije dobro uhvatila tu krivinu i udarila ga je.

Br. 7

Broj 7 – Informacije o vozačima i vozilima. Imamo ime, prezime, broj telefona, broj vozačke dozvole, ime osiguranja, broj osiguranja, čije je vozilo. Ne mora značiti da je osoba koja vozi vozilo vlasnik vozila. Možda je posuđeno od nekoga. Čije je vozilo, koje je vozilo, registracija. To imamo za osobu 1 i onda imamo veoma važno polje – 7D. Šta je zapravo dovelo do tog udesa? Na osnovu procjene policajca, imamo inproper term. Osoba nije ispravno skretala desno i prouzrokovala je udes. Vozači, ime, prezime, čije je auto koje je osiguranje. Gledamo šta je prouzrokovalo udes. U ovom slučaju – ništa. Ovo je naš klijent koji je zapravo samo stajao tu da skrene lijevo i ova druga osoba ga je udarila.

Br. 8

Broj 8 – Kodovi. Ovo u suštini koriste policajci da uštede na vremenu i na mjestu na police report-u. Ali ovo je važno.

Br. 9

Broj 9 – Narrative statements. Ovo je policajac zapisao, šta je on na licu mjesta čuo i primjetio. On je primjetio udes, kontaktirao je vozača broj 1 koji ga je obavijestio da je on išao na Central School Road, htio da skrene desno i išao previše desno i udario u vozilo broj 2. Vozač broj 2 je stojao tu da napravi skretanj u lijevo i ova druga osoba ga je udarila. Šta je on vidio na autima od štete. To je taj policijski report koji mi možemo dobiti nakon auto udesa. Dosta ljudi misli da ona kartica koju dobiju na licu mjesta – da je to zapravo policjski report – Nije!

Ovo je taj policijski izvještaj. Ako imate bilo kakvih pitanja za mene, vezano za auto udese ovdje u Missouri-u ili širom Amerike, zapravo. Nazovite me na 314-350-4710. Hvala i prijatno.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Factors we consider when evaluating intersection car accidents. Following all the factor and why it can be difficult to prove liability in intersection collisions in failure to yield accidents.

1. Shifting stories.

That’s my favourite one. The driver at fault often denies liability and changes the facts when interviewed by police and his or her insurance adjuster.

2. Absence of witnesses.

The witnesses usually continue their way without stopping to give their names to the police.

3. Detailed rules of the road.

The laws regarding intersection singles and yielding to other traffic can be a bit complex and not knows them, trust me.

4. Artful defence.

Insurance adjuster sends defence attorney that are usually able to find or create some element negligence on your part that will reduce settlement value.

The following factors will affect the strength of your liability case in intersection and failure to yield accidents.

1. Police report.

What did the investigating officer say about drivers fault?

2. The applicable rules of the road.

What do the governing regulations say about how your accident occurred?

3. Any driver statements.

What did you and the other driver say after the accident?

4. Any witnesses.

What the witnesses named in the police report said about the accident, what saw, heard and so on.

5. The scene of the accident.

What is indicated by the skid marks, the position of traffic lights, street signs and other evidence at the scene of the accident? A warning signal can be important evidence of liability.

6. Conditions at the time of the accident.

Whether a road condition is a factor in the accident – snow, ice, and so on.

7. Any intoxicants?

Had either driver been drinking or using drugs before the crash?

8. Any claimed mechanical defects.

Is the insurance carrier raising the issue of an unknown mechanical problem, defect, liability? Can they prove it?

9. Conflicting stories.

If the only evidence of what happened is testimony from you and the other driver the case is likely to be difficult.

Why? Even if the other driver admitted fault at the scene, insurance has been known to persuade drivers to change their stories. It’s word vs word.

I hope this helps and if you do have any other questions for me don’t hesitate to give me a call at 314-350-4710. Have a safe day!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

No pay no play law in Missouri. If you operate a motor vehicle in the state of Missouri you are required by law to carry auto insurance on your vehicle.

No pay no play law in Missouri

Failure to do so now has grater implications for uninsured drivers than ever before. If you drive in Missouri without auto insurance you may suffer from consequences of limited damages if you are injured through the faults of another driver.

Missouri is now a no pay no play state

Missouri is now a no pay no play state. This means that if you are hurt in an accident anywhere in the state of Missouri. And you don’t have car insurance you may be limited from recovering fully from your injuries. Even if the other driver was 100% at fault. This law states that an uninsured motorist may not recover any non-economic damages stemming from an auto accident. This means that if you don’t have your own insurance coverage you are not entitled to any money damages for pain and suffering for your injuries. The only thing you will likely recover is to cost of your medical bills, property damages and lost wages. The law extends this further and limits recovery even if you don’t own your car.

Example

If you borrow an uninsured vehicle from a friend. You may even know that the car you are borrowing is uninsured. If you are hit by another driver even if he is at fault you are still boarding from receiving compensation for your pain and suffering injuries. There are a few exceptions to this law, just like any other rule. To know whether this law or any of it’s exceptions apply to your car accident case, you should definitely contact Missouri personal injury lawyer about your case.

If you have any questions for me, please don’t hesitate to call the office at 314-350-4710. Thank you very much and you have a wonderful day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Reasons it pays to have a personal injury attorney on your side. If you are injured due to another person’s carelessness, you may be entitled to compensation for the harm that you have suffered. You can pursue your claim on your own obviously.

Here are six reasons it pays to have an experienced personal injury lawyer on your side.

1. So attorney levels the playing field.

The insurance company and its attorney have more money, time, more experience and more resources than you do. When you go at it alone you are at a distinct disadvantage. Having a personal injury attorney on your side helps to level the playing field.

2. Attorney can gather evidence and conduct a thorough investigation.

An attorney will know what evidence is actually important and how to get it. So this includes witness statements police report medical records and bills, accident reports and information about the other driver. Your attorney can uncover evidence that would be difficult or maybe even impossible for you to obtain on your own.

3. Attorney can protect you from abusive tactics from the claims adjuster.

If you are not represented by an attorney an aggressive the claims adjuster may try to bully you into providing a recorded statement or giving the insurance company brought access to your medical records. You don’t want that. An experienced attorney negotiates from a position of strength. Insurance adjusters are savvy negotiators.

4. A seasoned personal injury attorney will not be intimidated by the adjusters low-ball offer.

All attempts to stonewall your claim or any tactic the adjuster uses to try to get you to settle for less than your claim is worth.

5. An experienced attorney knows how to put together a persuasive settlement demand.

Your claim may be a slam dunk but if your settlement demand letter is not well organised, succinct, and supported by relevant evidence of your damages it will stall on a busy claims adjusters desk. An attorney will know how to package your settlement demand so it gets the adjusters attention.

6. An attorney can advocate for you in court.

If settlement negotiations fail you may have to file a lawsuit to obtain fair compensation for your losses in that instance. Having an attorney on your team can be an invaluable asset. So your the lawyer will know when and how to take action on your behalf and protect your rights. Hope this helps.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Razlozi zašto je dobro imati advokata u slučaju auto udesa. Ako ste povrijeđeni zbog nepažnje druge osobe, možda imate pravo na naknadu štete za ozlijede koje ste pretrpjeli. Slučaj možete pokušati riješiti i sami ali šanse za uspješan ishod su poboljšane ako se obratite advokatu koji se bavi takvim slučajevima. Uvijek je dobro imati dobrog advokata na svojoj stani.

Šest je razloga zbog kojih je dobro imati advokata u slučaju auto udesa.

1. Osiguravajuća kompanija i njeni advokati imaju više novca, više vremena, više iskustva i više sredstava nego što vi imate.

Kada pokušate slučaj riješiti sami nađete se u izrazitoj nevolji. Ako imate advokata za tjelesne ozjede, za auto udese na vašoj strani, on pomaže vašem timu.

2. Advokat može prikupiti dokaze i provesti detaljnu istragu.

Advokat će također znati koji su dokazi važni kako ih dobiti i ovo također uključije izjave svjedoka, policijske izvještaje, medicinsku dokumentaciju i račune. Izvještaje o nesreći, informacije o drugom vozaču koji je bio uvezan u taj udes. Također vaš advokat može otkriti dokaze koje biste vi sami imali poteškoća dobiti ili možda već nemoguće dobiti.

3. Advokat vas može zaštititi od taktike zlostavljanja od strane osiguranja.

Ako vas ne zastupa advokat agresivni radnici osiguranja mogu vas pokušati zavarati u davanju izjave, ili neograničen pristup vašem medicinskim nalazima. To nikada ne želite da uradite.

4. Iskusni advokat pregovara sa snažnije pozicije.

Radnici osiguranja su veoma iskusni pregovarači, to rade svaki dan. Iskusnog advokata ne mogu tako lako prevariti sa malim ponudama i razlozima za iste.

5. Iskusni advokat zna kako sastaviti uvjerljiv zahtjev za pregovore.

Vaš slučaj može biti fenomenalan. Ako pismo o zahtjevu za nagodbu nije dobro organizirano ili nije potkrijepljeno odgovarajućim dokazima o vašoj šteti. To neće biti dovoljno. Advokat će znati kako da spakuje vaš zahtjev za ozlijede tako da privuče pažnju osiguranja i njihovog osoblja.

6. Advokat vas može zastupati na sudu.

Ako pregovori o nagodbi ne uspiju možda ćete morati podnijeti tužbu na sudu da biste dobili pravilnu nadoknadu za svoje gubitke. U tom slučaju advokat u vašem timu može biti neprocjenjiv. Advokati se obučavaju zakonu i radu pravnog sistema. Vaš advokat će znati kada i kako poduzeti akciju u vaše ime i zaštititi vaša prava. Takođe advokati u ovakvim slučajevim ne uzimaju ništa unaprijed. Dobijaju novac samo ako se nešto dobije od osiguranja.

Ovo su razlozi zašto je dobro imati advokata. Ako imate bilo kakvih pitanja vezanih za auto udes molim vas da se obratite nama na 314-350-4710. Hvala vam i sve najbolje. Prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Mogu li dobiti iznamjeljeni automobil dok se moje auto popravlja nakon auto udesa? Veoma često dobijem ovo pitanje. Na početku slučaja gdje je automobil našeg klijenta oštećen, nije u voznom stanju. Ili nije u sigurnom stanju za vožnju, iako je možda u voznom stanju. Da li oni mogu izvršiti iznajmljivanje automobila nakon auto udesa u međuvremenu. Da li će to njih išta koštati.

Dvije opcije kada dođe do iznajmljivanja vozila

1. Ako imate full coverage ili ako imate osiguranje za obje strane – kao što kažemo. I ako imate klauzulu koju možete koristiti da dobijete iznajmljeniv automobil ako se vaše auto popravlja, pod vašim auto osiguranjem – to bi bio najbrži put da dobijete to vozilo.
2. Opcija 2 jeste da čekamo da osiguranje od druge stranke ili osobe koja je prouzrokovala udes odobri vaš rent a car. To može potrajati par sedmica dok oni istraže sve činjenice auto udesa, dok ne dobiju kopiju policijskog izvještaja. Dok ne popričaju sa osobom koja je osigurana sa njima. To može potrajati par sedmica i može prouzrokovati da ne dobijete tačan odgovor od njih. Nekada savjetujem klijete da odu iznajmiti to vozilo i da sačekaju par sedmica prije nego što predaju taj račun osiguranju sa druge strane. To nekad zapravo ubrza njihovu istragu.

Kratak odgovor je: DA! – Možete izvršiti Iznajmljivanje automobila nakon nakon auto udesa i onda zavisi kojom rutom ćemo doći do tog vozila. Ako imate bilo kakvih pitanja nazovite me na: 314-350-4710. Hvala i prijatno.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Kada je moguće tužiti državnog službenika za tjelesne ozljede? Kada je moguće tužiti državnog službenika nakon tjelesnih ozljeda?

PRIMEJRI

Iako zakon kaže da vlada i lokalne vlade su sigurne na slučajeve za tjelesne ozljede. Ima par izuzetaka. Tih par izuzetaka kaže da ako službenik, radnik koji radi za lokalnu ili državnu vlast prouzrokuje auto udes i ozlijedi vas imate pravo da ga tužite i da tužite njegovog poslodavca, tj. državu. U svakom slučaju radnik može biti tužen i njihov poslodavac može biti tužen nakon auto udesa. Ista stvar je za auto udes sa državnim radnikom. Imamo pravo da ga tužimo i da tužimo lokalnu vlast. Međutim moramo se pridržavati vremenskih perioda koje su propisane zakonom.

Vremenski period porpisan zakonom

Moramo u roku od 90 dana obavijestiti državnu ili lokalnu vlast da pripremamo slučaj protiv njih. Ako to ne uradimo onda naše pravo na tužbu propada. Odgovor za zahtjev za tjelesne ozljede protiv službenika je veoma kratak. Možemo tužiti državnog službenika i državnu vladu za tjelesne ozlijede nakon auto udesa. Međutim moramo se pridržavati veoma striktnih vremenskih limita, gdje im moramo dati obavjest o toj tužbi.

Ako imate bilo kakvih pitanja u vezi teme zahtjev za tjelesne ozljede protiv države, opštine, grada nazovite me na: 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Hoće li osiguravajuće kompanije iznajmiti ljude koji će me pratiti, snimati i nadgledati nakon auto udesa? Ovo se možda više dešava u filmovima nego u realnosti.

Privatni detektivi

Međutim imali smo slučajeva gdje osiguravajuće kuće angažuju privatne detektive da prate naše klijente. Da snimaju, da ih slikaju, da ih svakodnevno nadgledaju. To se u većini slučajeva desi ako oni imaju neku sumnju da naši klijenti “glume”. Da oni zapravo nisu ozlijeđeni toliko, koliko mi tvrdimo da jesu. Jedan jednostavan način da se ovo spriječi i da se spriječe neka iznenađenja u budućnosti tog praćenja jeste da budemo realni sa advokatom, da budemo iskreni sa doktorima, da pratimo šta nam doktor kaže što se tiče tretmana. Da ne pokušavamo neke budalaštine. Ako nam doktor kaže: Nemoj se ići skijati, pošto imaš problema sa koljenom i mi ipak odemo i skijamo se, iako smo možda u bolovima. Slušati doktora, i da izbjegnemo ovakve situacije.

Ako imate kakvih pitanja za mene nazovite me na: 314-350-4710. Hvala i prijatno!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Driving for Uber can cancel your personal car insurance. That is today’s topic. Your personal car insurance may not provide you with coverage while using the car for Uber driving purposes.

What is the reason for that?

This is because personal car insurance policies have a list of exemptions and often include driving for hire – “Driving for Hire” – as Americans say.

Does your policy cover commercial driving?

If you drive for Uber or Lyft or similar services. Make sure your policy covers this commercial ride. If the answer is no, which is most likely the case. You will have to consider buying supplemental commercial car insurance, which for many Uber drivers, who only work part-time, may not even pay off. It needs to be checked. Uber provides some kind of automatic insurance only when the app is turned on. Uber requires that all their drivers have car insurance. And it provides additional insurance but only while the app is on.

How does it work?

When the uber app is turned off the driver is covered by his own car insurance. If the uber application is turned on, low liability insurance – something minimal becomes active. When the trip is accepted and when the guest enters the car, a higher level of coverage is triggered and remains active until the passenger exits the vehicle. Uber’s previous insurance only offered coverage for the driver when the passenger was in the car. The company then changed the rules. As soon as the application is turned on, the insurance takes effect. Lyft and Uber and some other similar companies show that $ 1 million per incident covers the excessive liability that certain states require. They have a million-dollar policy.

What do policies address?

The policies are designed to address liability claims that are not covered by the driver’s personal insurance. This part of the insurance will not cover the material damage of the car. You must count on your personal insurance policy for material damage to your car. For this reason, insurance companies have recently opened additional coverage options specifically for Uber and Lyft drivers, which are available in all 50 states of America. If you want to start driving for Uber, it is best to talk to your insurance agent about this fact. Find out if you need a commercial policy and find out if you need a commercial driver’s license. It depends on which car you drive for them.

If you have any questions regarding car accidents call us at: 314-350-4710.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

I get this question quite a lot and I’m surprised. And the short answer is no. No, do not release that. I mean, we can rephrase that question and ask whether or not you should sign a hip a medical release for the other driver’s insurance company. And no, don’t do that. Consultant attorney y. Well, that release that you signed, if you don’t read it carefully, it’s going to say that they are entitled to get to the bottom of your medical records for the past ten years. So they’re going to start digging into your medical history. And guess what? They’re not digging into your medical history to help you out and say, hey, look, John is such a nice guy. I mean, you should really, really take care of him and compensate him. And, you know, probably even more than we should know, they are digging through your medical history so they can find something ten years ago and say, ah, look, there you go.

Ten years ago, John complained to his primary care physician about some neck pain. And they’re going to be like, well, look at you, John. You’ve had neck pain, you know, ten years ago. And therefore, the neck pain that you’re complaining about today is really not related to the accident, even though John never had any prior neck pain issues between those ten years ago that he complained to his primary care physician about and the date of the car accident. So short answer is no, do not release your medical records to your other to the other drivers insurance company. Do not sign their hip release until you have had a chance to consult with a with an attorney. I mean, once we get into litigation, the rules change a little bit. But, you know, in a claims process, do not jump the gun and release release it to them right away.

If you have any other questions for me, call me 3143504710. Hope you are going to have a wonderful day.

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney

Can I drive in Missouri with my Bosnian driver’s licence?

I honestly did not know the answer to that question, so I had to dig a bit deeper. And it appears that the answer is yes. You can drive with your international driver’s licence if that driver’s licence is also in English. It can’t just be in the native language that you know with your picture on it. So if a police officer pulls you over they have no idea what they’re looking at.

The driver’s licence needs to be in English. And the second part of the answer is, you have to get a Missouri driver’s licence as soon as you establish residency here in Missouri. So I told them you do that ASAP. At least in the next 90 days. Because that’s kind of the residency legal standard here in Missouri. As soon as your paperwork is processed and you get your social security number go take the written test.

The written test are the road rules and vision and then you’ve got to take the driving test, which I don’t think it’s a big deal but some people fail anyways. So, that’s what he needs to do. The other aspect of this answer is, even if you’re going to be driving with an international driver’s licence, you need to have insurance. And from what I’m gathering from my car insurance agents, is that if you’re insuring an international driver it’s much more expensive than if you’re insuring a Missouri driver.

Reason to get Missouri driver’s licence

So that’s another reason to get a Missouri driver’s licence ASAP if you are able to do so. Obviously, you’re gonna have to show your passport, you’re gonna have to show your I-94, you’re gonna have to show your visa, so that they see that you’re legally here in the United States, and they require you to show proof of residence, which can be a utility bill. This guy came over, he got married so I told him like: “Hey have your wife put you on one of your utility bills, your name on it, so you can take that piece of paper with you, to the driver’s licence bureau when you go apply for the driver’s licence.” I was just recently overseas and I was in the Turks and Caicos, and I did not have an international driver’s licence.

The question, was I legally allowed to drive, and so, are we required to have an international driving privilege in foreign countries? And to be honest with you some countries do require you to have something like that, an example given here is Hungary, there are other countries that honor US driver’s licence, but require a local translation, Spanish for example, and our driver’s licences are not in Spanish. So, if you are going to go to Spain, and you intend to drive you will need to have an international driving privilege.

What is International driving privilege?

Well, it’s driving privilege translated into ten languages. You can get it through AAA here in the United States, it is one of two non-governmental organizations that you can get it at, and it costs like $25 bucks, and you know you’ll have your driver’s licence in ten languages. Next time when you touch down in Barcelona on your overseas trip, you will be able to get a vehicle because I’ve got a feeling that if you go to Enterprise or a Hertz rent-a-car place, you show them a Missouri driver’s licence they’re may look at you like you are crazy, and they’ll want you to get an IDP.

So hope this helps, if you are here with an international driver’s licence, and if you are planning on travelling overseas and getting a rental vehicle.

If you have any other questions call me at 314-350-4710 Thank you!

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Bajric & Ramic Law Office
Nedim Ramic – Auto Accident Lawyer – Personal Injury Attorney