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What do I do if insurance stops paying injury benefits?

Is there anyone who doubts that insurance protection is a good thing to have? State governments consider it so important to help meet the cost of likely medical care for someone injured in a motor vehicle accident that most of them mandate minimum coverage amounts.

Here in Alabama, failure to have the minimum protection can result in some pretty steep fines. But of greater concern is the effect that such a failure might have in meeting the treatment needs of someone who has been hurt in an accident because of someone else’s negligence.

Considering what medical costs are running these days and how easy it is to rack up huge bills for even a seemingly minor injury, it becomes valid to wonder whether all costs are likely to be met if something more catastrophic occurs like a spinal cord or brain injury. Not only can recovery take a lot longer, sometimes the full effects of the trauma may not be apparent right away. To protect a victim’s future may require action from a skilled attorney.

There are a couple of events from around our region in recent days that bring this particular issue to the fore. They involved two school buses that overturned. One incident happened last Thursday afternoon in Chilton County. The other took place in Jefferson County Friday. In what has to be odd strokes of coincidence, 12 students on each of the buses ended up going to the hospital and no other vehicles were involved at either scene.

Authorities say that several of the victims reported that they had hit their heads. Others said the accidents left them with sore necks and backs. Officials say no one was seriously hurt. But the thing with head, neck and spine injuries is that the full extent of the damage can often go undetected, resulting in an even more challenging period of recovery.

It’s in situations like this that it is possible for insurance limits to be hit quickly. But where medical need continues and negligence can be shown to have been a cause of injury, it may be possible to pursue compensation through civil action.

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"They took a case that others would have stayed clear of.."
I have the utmost respect for Rip Andrews and the lawyers at MRB Law. They took a case that others would have stayed clear of because the issue of state immunity was involved. Through determination and unwavering commitment they were able to a find resolution to an extremely difficult matter.
Nancy Owen
"They took a case that others would have stayed clear of.."
I have the utmost respect for Rip Andrews and the lawyers at MRB Law. They took a case that others would have stayed clear of because the issue of state immunity was involved. Through determination and unwavering commitment they were able to a find resolution to an extremely difficult matter.
Nancy Owen
"They...brought justice to my family through a multi-million dollar verdict ."
These lawyers took a complicated issue, revealed the truth in a way 12 jurors unfamiliar with the topic could understand, and brought justice to my family through a multi-million dollar verdict. They were able to relate my “invisible” medical condition to the jury better than I can to my own friends. And because of that, the jury hugged me and cried with me when it was all over. That meant more to me than any amount of money.
Caroline Malatesta
"They...brought justice to my family through a multi-million dollar verdict."
These lawyers took a complicated issue, revealed the truth in a way 12 jurors unfamiliar with the topic could understand, and brought justice to my family through a multi-million dollar verdict. They were able to relate my “invisible” medical condition to the jury better than I can to my own friends. And because of that, the jury hugged me and cried with me when it was all over. That meant more to me than any amount of money.
Caroline Malatesta
"Our relationship began as strangers but ended in friendship thanks to the compassion he showed ."
I can’t adequately put into words the appreciation I have for Mr. Derrick Mills and MRB Law. He was assertive in his fight for justice for our family during our time of tragedy. Mr. Mills is knowledgeable, passionate and a great communicator. Our relationship began as strangers but ended in friendship thanks to the compassion he showed. Thank you Mr. Mills for being a dedicated professional! Justice done right!
Dana Owens
"Our relationship began as strangers but ended in friendship thanks to the compassion he showed."
I can’t adequately put into words the appreciation I have for Mr. Derrick Mills and MRB Law. He was assertive in his fight for justice for our family during our time of tragedy. Mr. Mills is knowledgeable, passionate and a great communicator. Our relationship began as strangers but ended in friendship thanks to the compassion he showed. Thank you Mr. Mills for being a dedicated professional! Justice done right!
Dana Owens
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