Legal Question in Personal Injury in California

''Three times the amount of medical bills.''

I would like to sue an insurance company for 3 times the amount of my medical bill. What would I say in the letter I am going to write to them?


Asked on 7/20/01, 11:50 am

3 Answers from Attorneys

Sam Eagle LAW OFFICES OF SAM M. EAGLE

Re: ''Three times the amount of medical bills.''

YOU DO NOT STATE WHAT TYPE OF INSURANCE COMPANY YOU ARE SUING AND THERE IS NO WAY TO ADVISE YOU ON WHAT TO SAY IN A LETTER WITH SO LITTLE INFORMATION. I WOULD NEED TO HAVE A LOT MORE DETAIL IN ORDER TO COMPOSE A PROPER LETTER. IF THIS INVOLVES AN AUTO ACCIDENT AND YOU ARE SUING AN AUTO INSURANCE COMPANY, YOU CANNOT DO THAT IN CALIFORNIA. YOU WOULD HAVE TO SUE THE NEGLIGENT OR RESPONSIBLE PARTY. ALSO, NONE OF THE INSURANCE COMPANIES USE A THREE TIMES FORMULA.

IF YOU ARE IN THE ORANGE COUNTY CALIFORNIA AREA, I WOULD BE GLAD TO PROVIDE YOU WITH A FREE CONSULTATION. PLEASE CALL (714) 963-5123

SINCERELY, SAM M. EAGLE, ATTORNEY AT LAW, 10101 SLATER AVENUE, SUITE # 218, FOUNTAIN VALLEY, CA 92708

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Answered on 8/03/01, 12:42 am
OCEAN BEACH ASSOCIATES OCEAN BEACH ASSOCIATES

Re: ''Three times the amount of medical bills.''

What is the basis of your claim? If you have been injured, then the party who caused the injury is the defendant. Please call me directly at (619) 222-3504.

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Answered on 7/20/01, 1:37 pm
Alex Scheingross Law Offices of Alex B. Scheingross

Re: ''Three times the amount of medical bills.''

One of the great misunderstandings of this field is that people are somehow entitled to 3 times the amount of their medical bills. What your claim is worth is dependent upon your economic losses (cost of medical care, past and future, lost earnings or ability to earn, past and future, and other out of pocket expenses that are reasonably related to the injury) and non-economic damages, pain, suffering, and emotional distress. Non-economic damages are extremely subjective, but obviously, the more serious and long lasting the injury, the greater the non-economic damages. I have gotten 6 figure awards with $5,000 in medical bills and have gotten $5,000 awards with $4500 in medical bills.

If the defendant's liability is not clear cut, you should be prepared to take less. If you have (and this is one of the insurance companies favorite ploys) "overtreated", they will not offer you much more than your medical bills.

Your letter should include copies of all of the relevant medical records and bills, W-2s or pay stubs verifying your lost earnings claims, and if liability is in issue, all relevant evidence you have on that point. Just be sure you don't give them something you wish you hadn't. But also beware that they will investigate your claim and you probably won't be able to hide anything material. Don't even try to.

Your first paragraph should detail all of the enclosed exhibits and the total amount of your out of pocket economic damages. Next paragraph should contain a discussion of liability. Finally you should explain in detail all of the injuries suffered and the hardships they have caused (i.e. due to shoulder impingement syndrome, I have constant pain in the right shoulder. I cannot lift my arm above shoulder level, etc.) Again be careful here. Do not exaggerate your claims. If you do I promise you will regret it. Finally finish with your demand. Good luck.

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Answered on 7/20/01, 4:50 pm


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