If someone sues you for being injured in an automobile accident or as a result of getting hurt while on your property, you could potentially have money and assets taken from you if the injured party has a successful claim in court. If you have insurance covering such a claim, you are entitled to a legal defense provided by the insurance company. However, if you don't have insurance, you are alone! That's where we come in!
We defend people and businesses sued for personal injury and/or property damage. We are not at the mercy of an insurance company. Therefore, we can fully represent your interests in any lawsuit. Unfortunately, you have to pay us, but that is the cost of not having insurance coverage. We understand that a person or business may not have insurance coverage for many reasons, so we are not here to judge you but to defend you.
Additionally, you may have an insurance policy that you believe should cover the claim, but for whatever reason, the insurance company is dragging its feet in accepting the claim. We are here to bridge the gap between the deadline to file your answer and the acceptance of the claim by the insurance company. Whenever the insurance company finally accepts the claim and retains lawyers to defend you, the new lawyers will be substituted as your attorneys, and your case will proceed with them. We are here to bridge the gap and avoid a default judgment against you.
Your initial retainer with us in an uninsured defense case is non-refundable. Still, you usually won't need to pay us again if the insurance company accepts the claim promptly. If the insurance company delays its acceptance of the claim or denies it, you may proceed to keep us on an hourly billing basis.
We didn't start out doing this type of work, but our consumer clients sometimes encountered these problems when they didn't have insurance coverage or their insurance company was slow to accept the claim. So, we started offering uninsured defense to help them out. Our uninsured defense practice has continued to expand ever since. To be cost-effective, however, we do not have experts on retainers or hire experts to challenge opposing experts or their reports unless our client can afford them. Our uninsured defense practice is not meant to replace a personal injury defense attorney paid by an insurance company but rather is a consumer protection service so that consumers and small businesses have some protection and legal representation rather than none.
