Cases we take
Car and pickup crashes on the interstate and the county roads
Rural crashes come with their own problems: a far-off hospital, a deputy's short report, and two or three insurers in different states.
Out here a crash is rarely in town. It's an overpass that iced before the forecast said, a pickup that crossed the center line on a two-lane highway, or the car behind you on I-90 when you braked for a deer.
We gather the crash report, the photos and the medical records, and we talk to the insurers so you don't have to. If the other driver lives across the river, we deal with that state's rules and that state's insurer too.
What we look at first
Every policy that might pay
The other driver's, yours, and any underinsured coverage you've been paying for.
The road itself
Signs, shoulders, plowing and lighting, in case the county or the state shares the blame.
Your medical bills
Who pays them now, and who pays them back at the end.
Lost work
Shifts, harvest days and the business you couldn't run while you healed.
Questions about car and pickup crashes
Should I give the other driver's insurer a recorded statement?
Not before you've talked to a lawyer. You don't have to give one, and what you say early on is often used to lower the offer.
The crash was in Iowa but I live in South Dakota. Does that matter?
It can change the deadline and the rules about shared fault. Mireya and Haldor between them are admitted in both states, so one firm handles it.
What if I hit a deer and then another car hit me?
The deer is nobody's fault, but the second crash may be. Your own policy may also cover parts of it.
Talk it through with someone here
The first conversation is free, and it doesn't commit you to anything.