Robert L Poole & AssociateACCIDENT, INJURY & DEATH CASES 800-934-3140 THIS IS AN ADVERTISEMENT
PAY NO FEE UNLESS YOU WIN !
(Court costs and case expenses will be the responsibility of the client)
My name is Robert Poole and I am an injury lawyer with over 14 years of experience handling injury and death claims in Ohio and Kentucky. My practice focuses primarily on car and truck accident claims. However, we handle all types of injury and death cases. My knowledge of insurance issues enables me to represent accident victims effectively. I deal with insurance companies everyday. I understand what it is going to take to effectively assist you in the handling of your personal injury claim.
As the owner of a small firm, I offer key advantages in the recovery of damages in personal injury cases:
I handle every aspect of the case myself. I return your phone calls to answer questions and give updates. I give full attention to each client and resolve claims quickly. I will meet with you however many times that might be necessary. YOU WILL DEAL DIRECTLY WITH ME. I meet personally with every prospective client, and will take time to listen to your situation. My first order of business is to make sure victims and their families receive the medical care, benefits and lost wages they are entitled to by law. Then, I investigate promptly to preserve evidence and pursue every avenue of compensation. I am not afraid to stand up to insurance companies.
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Providing Justice and Security for Injured Auto Accident Victims
It doesn't seem fair: you spend a good amount of money on insurance every month, but as soon as you are seriously injured in a crash you can't get the adjuster to be fair and pay up. Where can auto accident victims turn to make sure they are fairly compensated for their injuries?
At Robert L Poole & Associate we have built our firm with the desire to provide justice and security for men, women, and children seriously injured in car, truck, bus, motorcycle, pedestrian, or bicycle accidents in Cincinnati Ohio and Northern Kentucky.
Insurance adjusters play a numbers gameThere are two things you need to know about insurance companies. One, they will do everything in their power to pay you as little as possible for your injuries, if they pay you at all. Insurance adjusters are usually not there to help you, but are there to protect the interests of the insurance company that employs them. Two, these companies have well-paid and highly skilled attorneys on their side, ready to fight against your case until they get the results they want.
How do we know this? We have represented enough injured auto accident victims to have a deep understanding of the games played by insurance companies. Robert L Poole & Associate: beating the insurance company at their own gameThe bottom line is that insurance companies exist to make money. Since settlements and lawsuits cost them money, they put a great deal of effort into fighting them in hopes of paying little or no money to people injured as a result of their insured's bad driving. However, our attorneys have the experience and tenacity to beat them at their own game:
We know how the insurance industry works and what weaknesses adjusters look to exploit in an accident case. We know what aspects of your case are important and require extra attention, and what aspects do not. We have worked in a large number of courts in cities and counties all across Ohio and Kentucky and we are right at home in any setting. We are a small firm and only accept a limited number of select cases. Because of this, we are able to focus on the success of your case.
We Work Efficiently to Resolve Your Legal Matters
When you come to us for a free initial consultation, we understand that your time is valuable. That is why we work tirelessly to help you resolve your legal matter as quickly as possible - so you can move on with your life. You can expect to be treated with respect and concern. We will eagerly take on any giant insurance company so that you will get the best recovery possible. We will travel to all areas of Kentucky and Ohio to meet with you.
14 Years of Experience and Stellar Credentials
Our principle personal injury attorney, Robert L. Poole, has 14 years of effective legal experience, is licensed in state and federal courts and is proud to be a member of the:
Contact Us Today
Whether you have a fatal accident claim or a question about a minor slip and fall, contact our personal injury law firm today for a free initial consultation. We look forward to representing you and resolving your legal issue. 800-934-3140, Robert@rlplaw.net
BLOG: Uninsured/Underinsured Motorist (UM/UIM) Insurance
By Robert L Poole on Personal Injury | April 12, 2010 at 09:44 AM EDT | No Comments
According to most sources, approximately 10-12% of motorists are uninsured. The majority of motorists carry low limits of BI (bodily injury) coverage. You can protect yourself from the losses and costs associated with injuries caused by other motorists by purchasing uninsured/underinsured motorist coverage as part of your automobile insurance policy. That coverage is commonly known as UM/UIM coverage.
The discussions below regarding accidents involving uninsured motorists apply to accidents involving underinsured motorists as well.
Uninsured motorist coverage protects you in the event that you are involved in an accident with an uninsured driver. It provides no protection for property damage but it does provide for recovery in the event you are injured by an uninsured driver. This coverage will reimburse you for your reasonable and necessary medical expenses (Special Damages) caused by an uninsured motorist. It will also reimburse you for general damages (pain and suffering) and wage loss caused by the uninsured motorist. Uninsured motorist coverage is represented by two (2) numbers on your auto insurance policy. These numbers are the same as what you see on your bodily injury liability coverage. Coverages are generally as follows: 25/50; 50/100; 100/300; and, $300,000.00 single limits. The first number is the “per person” limit, and the second number represents the “per accident” limit. These coverages are often designated as UM coverage (uninsured motorists coverage) and UIM coverage (underinsurance coverage).
Underinsurance coverage means that, in the event your damages exceed the at-fault driver’s bodily injury liability limits, your underinsurance coverage will pick-up where the adverse driver’s liability coverage ends. For example, if your injury claim is worth $30,000.00, and the adverse driver has a 25/50 bodily injury liability coverage, and you have 25/50 underinsurance coverage, you will be fully compensated for the value of your claim. In this example, if your injury claim is worth $100,000.00, you will only be paid $25,000.00 by the adverse carrier and $25,000.00 by your own underinsurance carrier.
An umbrella policy can provide you with additional UM/UIM coverage.
If you are injured by an uninsured driver, you make a claim with your own insurance company. Although your insurance company has a fiduciary duty to treat you fairly, if you make a claim for uninsured motorist coverage, you enter into an adversarial relationship with your carrier. In some cases, it may be necessary for you to retain legal counsel to sue your insurance company, in the event they do not make a reasonable offer to settle your claim. Your insurance company does not retain counsel under these coverages for you when you file suit against them on your UM/UIM coverages.
One thing that most people do not know about UM/UIM coverage is that it is not vehicle-specific. It applies if you are a passenger in another person’s vehicle. It also applies if you are a passenger on a public transportation, such as a bus or a cab, or if you are in a rental car. Your UM/UIM coverage will follow you in these situations. In the event you are in a vehicle which already has UM/UIM coverage and your damages exceed the coverage available on the vehicle that you are in, your UM/UIM coverage will either pay pro-rata with the UM/UIM coverage on the involved vehicle, or that coverage will be primary and your coverage will provide secondary UM/UIM coverage.
Another thing to remember about UM/UIM coverage is that if you have children or relatives, who live with you and are not named on your policy, they will be protected by UM/UIM coverage if they are involved in an accident with another vehicle. You, your children and resident relatives are also covered in situations involving a vehicle v. pedestrian accident.
Furthermore, please note that UM/UIM is fault-based coverage. If the other driver is not at fault for the accident, your UM/UIM coverage does not apply.
Once again you should check your policy or consult your agent regarding the specifics of your UM/UIM coverage.
BLOG: Placing a Value On Your Injury
By Robert L Poole on Personal Injury | March 21, 2010 at 12:57 PM EDT | No Comments
To determine the value of your personal injury, you must first understand the types of damages for which you may be compensated. These damages typically include:
• Medical Costs: Medical costs may encompass anything associated with the medical treatment of your injury.
• Lost Income: Any income that you were unable to receive due to your injury.
• Pain & Suffering and Emotional Turmoil: Your injury may have caused physical pain or emotional distress.
• Property Damage: Keep track of any repair estimates and repair costs.
• Permanent Disability: If your injury has caused permanent disability or disfigurement, you are eligible for compensation. Like pain & suffering and emotional damages, disability damages can be difficult to assess. An experienced attorney will help you assign a dollar amount to your injury.
At The Law Offices of Robert L Poole & Associate we accept clients from all areas near Cincinnati, Ohio and Northern Kentucky, including:
We pride ourselves in the services we provide to our clients. We are a small office. The attorney that you meet in the initial consultation will be the same attorney who will continue to represent you