What are the financial obstacles in a catastrophic injury case? (Getting Legal #141)

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When someone is involved in a bad accident, their whole world is turned upside down and everything good is shaken out.

Because of severe and permanent physical injuries, many of my clients are unable to work, and thus starts the financial domino effect.

Due to the fact that my client is unable to work , they are unable to pay his or her mortgage, car, credit card payment, and other basic obligations such as utility and grocery bills.

One of my jobs in representing a client is to stop the financial downward spiral. There are many things that I could do. First and foremost, I will contact each and every creditor and send them a letter of protection. A letter of protection is a written guarantee that the creditor will be paid out of the proceeds out of the personal injury settlement.

Additionally, I can access medical payment provisions in my client’s automobile insurance policy. Most auto policies have medical payment allotments ranging from $1,000 to $10,000. When the case settles, my client’s automobile insurance company is reimbursed the amount that they paid out.

A third source is accessing money from a variety of companies that specialize in loaning clients money in personal injury cases.

My office will assist in this application process to ensure that it is done in an expedient fashion. Moreover, I will protect my client to make sure that the terms and loan agreements are fair and equitable.

It is very important for me to provide this financial safety net for my clients in their time of need. Once I establish that, my client can now focus in on getting well and resuming as normal as a lifestyle as possible.

If you or a loved one has been involved in an accident and wish to discuss with me these and other critical issues, it would be my pleasure and privilege to personally meet with you at a time and place that is most convenient.

If I agree to take your case, I am happy to give you my direct dial cell phone number because many of my client’s needs and concerns do not conveniently fall in the traditional nine to five parameters.

Please know that if you or a loved one are made a victim of a bad accident, I will be there for you, and I will hold those responsible accountable by “making them pay.”

Be sure to watch “Getting Legal” every Friday morning at 7:55 AM on CBS 19 Action News, Cleveland.

Can I Afford a Lawyer? (Getting Legal #140)

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As a working class citizen, one might presume that they cannot afford the expenses that follow filing a lawsuit for an accident.

As a personal injury lawyer for 33 years, I work for the injured victim on a contingency basis, where I only get paid if I get my client a recovery.

The first order of business is that my client gets the best medical care possible. My goal is to get you back where you were before the accident. It is important that we get the right doctors to lay the proper foundation for a successful recovery. I will make sure that you get the best doctors, who I would send my family to if they were ever in an accident.

My second goal in a case is to get my client fair compensation. If I choose to take your case, I will meet with you face to face at a time that is most convenient for you. You will get my direct dial cell phone number, because oftentimes, the needs of my client do not fall in the nine to five confines.

Remember, if someone has hurt you or your family, please call me at 1-800-55-MISNY, and I’ll Make Them Pay!®.

Be sure to watch “Getting Legal” every Friday at 7:55 a.m. on CBS 19.

Remembering Dr. Martin Luther King Jr.

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The late, great Reverend Dr. Martin Luther King Jr. inspired, motivated, and affected countless people’s lives, both when he was on this Earth and now through his writings.


The connection that Dr. King has and will have with people is unique for each individual.
Dr. King’s quote, “Life’s most persistent and urgent question is ‘what are you doing for others?’” has motivated me in my life.

I realize that those injury victims in our home town would have little or no chance at justice without Dr. King. When I take on a case, my client’s problems become my problems.

This philosophy motivates me to work as hard as I possibly can, and spend significant amounts of money to ensure that not only my client and their family receive fair compensation, but moreover that the injury that befell my client will never happen to anyone ever again.

When I was 8 years old, my maternal grandmother Veronica Vulich suggested to me that I become a lawyer because there will always be people who will need me. Those words resonate in my mind all of the time.

On this day, we recognize the work that Dr. King did as a leader in the Civil Rights Movement and the ultimate price that he paid for furthering his beliefs. I humbly submit the best way to honor this man is to study his teachings and incorporate into our own personal life, the principles that will make you a better person.

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How to find additional forms of insurance in an accident (Getting Legal #139)

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It is bad enough to have been involved in a bad accident, but it becomes a real nightmare when you learn that the person who caused the accident either has no insurance or has minimum coverage.

If you have been a victim of a bad car accident and the wrong doer has no insurance or minimum coverage, you still have to call me.

Oftentimes, I am able to find additional substantive sources of insurance. Let me give you some examples. Sometimes, the offending party is working at the time of the accident and I am able to access their employer’s policy. Also, the driver may have been operating someone else’s vehicle. As you may know, insurance follows the car and I may be able to target the owner’s insurance.

A third source of insurance is not common or widely known. In the state of Ohio, if you are living with a blood relative at the time of an accident, you may be covered under that relative’s insurance.

We have to prove residency, meaning that you actually did live with your relatives. The criterion is normally that you receive mail, keep possessions, and eat meals at that residence. But please know, that the relative’s location does not have to be considered your primary residence.

I constantly preach that it is critically imperative to have a substantive policy and prevention for the under-insured or uninsured.

The resolution to the lack of insurance is to have an umbrella policy. Simply stated, an umbrella policy is in addition to your basic liability under insured provisions. Most umbrella policies provide an additional million dollars in policy increments, up to five million dollars.

For a few hundred dollars a year more, you could provide the peace of mind knowing if you and your family were in a bad accident, then you will be adequately covered by insurance coverage to compensate for the accident.

Please call your insurance agent today and inquire about umbrella coverage. When your agent is done telling you about it, ask him/her why it was never mentioned to you beforehand.

I have found that the vast average of insurance agents purposely refuse to tell their clients about this critical coverage. I find this conduct to be not only a breach of the fiduciary duty to their client, but a reprehensible act.

In 33 years of representing the injured victim in Cleveland, many of my clients who were victimized in bad accidents were angered to learn that they should have had an umbrella policy in place to compensate them for a catastrophic injury.

Remember, if you or a loved one are involved in a bad accident, I am available to meet at a time and place that is most convenient for you. And keep in mind, you will meet with me personally. If I do decide to take the case, all of my clients get my direct dial cell phone number. Often times, my client’s needs and concerns do not fall within a nine to five parameter.

If someone has hurt you or your family, please call me, and I’ll Make Them Pay!®.

Be sure to watch “Getting Legal with Tim Misny” every Friday at 7:55 a.m. on CBS 19

What to expect in a slip and fall case (Getting Legal #138)

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Have you ever been seriously injured due to ice or hazardous winter weather? In this episode, I explain the basics of what one should do in the case of a slip and fall accident.

In my 33 years of working as a personal injury lawyer in Cleveland, the slip and fall cases are the worst cases that I have seen in my career.

If you or a loved one has been made a victim by the winter weather, you need to call me. Even if you think that the land owner is not responsible for the natural accumulation of ice and snow, that just might not be the case.

Be sure to watch “Getting Legal with Tim Misny” every Friday at 7:55 a.m. on CBS 19/43.