Car Accident step by step process Part 15: Understanding your insurance dec page

This one is fun.  Pull out your declaration page for your auto insurance and see what is actually covered and what it means:

This is a general overview of the definitions of what auto insurance really means.  For a clear understanding call your agent for details.  Know what your insurance will pay for, cover and will not BEFORE you get into a car accident. 



Liability Coverage/Bodily Injury Liability (Some know it as Liability; BI)
You are not covered:  Let me explain; This type of policy covers OTHER people's bodily injuries or death in which you may be found responsible.  This could be THEIR medical bills, loss of income, pain and suffering.  HINT:  Have enough to cover yourself against in a lawsuit so your personal assets are protected.     Again, this type of coverage does not cover you or other people on your policy.  Required by most states.

Property Damage Liability (PD)
This type of policy covers you if your car damages someone else's property; most cases their vehicle but it could be their home/fence should you drive through it.  It will also provide you with a legal defense if they file suit against you.  Required by most states.

Physical Damage Coverage (Comp and Coll) or Comprehensive Coverage
Covers your vehicle and the damage to other vehicles in which you may have caused.  This usually covers stolen vehicles or damage from outside forces.  It will pay to have your vehicle (and others) fixed (minus your deductible).  States do not require this but if you have a loan on your vehicle, most likely, your lender will require it.

Collision Coverage (Coll)
This is when someone or something else hits your vehicle.  This coverage will fix your vehicle (minus your deductible).  States do not require this but if you have a loan on your vehicle, most likely, your lender will require it.

Underinsured Motorist Bodily Injury (UNDUM)
Covers you, members of your household and your passengers for injuries and/or death caused by another person's negligence.  This coverage pays when the negligent person does not have enough coverage through their policy.

Uninsured Motorist Property Damage (UMPD)
This coverage is for your property when it is damaged by a negligent person who does not have insurance.  If you do not have collision coverage (Coll) you may have a limit on how much is paid for repairs.  If you do have collision coverage than this would pay for your deductible only (in some States...please check your State for complete details).

Underinsured Motorist Property Damage (UNDPD)
Covers your property when the negligent party does not have sufficient coverage on their policy.  As with the Uninsured Motorist coverage some states have a max this will pay for and if you have collision, this will pay for your deductible (in some States).





Like Zeisler & Associates, Attorney at Law, PC on Facebook or visit their website.

Pueblo Office: 113 W. 12th Street  (Map it)

Colorado Springs Office:  422 E. Vermijo Ave., Suite 412 (Map it)

Car Accident step by step process Part 14: Understanding MedPay

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 



MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!! 

When you sign on for auto insurance and do not "opt out" you are automatically signed up for $5,000 MedPay (Colorado....please check your state policies).  

The good thing about MedPay is it kicks in immediately.  The bad thing is it is not closely looked at so if you visit an "unscrupulous" Doctor your MedPay can be used up very quickly....and as I said earlier....it is normally paid back out of your settlement.

We talked about Policy Limits so let's assume you have the Colorado minimum requirements of $25,000/$50,000 with $25,000 MedPay.  The person who hits you has the same minimum policy limits.  You are seriously injured and your MedPay is exhausted.  You have to have surgery and will have scars the rest of your life.  Bye Bye settlement.  

First thing you need to do is check what your policy limits are.
Second check what your MedPay is.
Third:  If you are ever injured in a car accident TALK TO A Personal Injury Attorney.  They will fight for your MedPay and they will have referral Doctor's that won't abuse the MedPay so you have more money for treatment.





Like Zeisler & Associates, Attorney at Law, PC on Facebook or visit their website.

Pueblo Office: 113 W. 12th Street  (Map it)

Colorado Springs Office:  422 E. Vermijo Ave., Suite 412 (Map it)

Car Accident step by step process Part 6: Contingency fees explained

A contingency fee is defined as any commission, percentage, brokerage, or other fee that is contingent upon a favorable legislative result.  (NCSL)

We've all heard on the commercials "you don't owe us anything unless we win your case."

So what does this mean for you?  The most common use of contingency fees are auto accidents.  You enter into an agreement with the Attorney to take you case and the Attorney will receive a percentage of what your award is.

This is a great way for those who cannot afford Attorney fees UPFRONT to still get representation.  For example:  you are involved in a car accident and enter into a contingency fee agreement.  The Attorney will pay the expenses through the duration of your case (or set up arrangements for those expenses to be paid out of the proceeds of your award) so you are not out any money.  In auto accidents all policies are different and all claims are handled differently so I can explain by my experience.  My policy limits are $100,000.  I enter into a contingency agreement for 35%.  It cost the Attorney $10,000 to gather information.....and let me tell you this is not cheap,

see example of costs at the Letric Law Library sample number 7:   COSTS. Attorney will advance all "costs" in connection with Attorney's representation of Client under this agreement. Attorney will be reimbursed out of the recovery before any distribution of fees to Attorney or any distribution to Client. If there is no recovery, or the recovery is insufficient to reimburse Attorney in full for costs advanced, Attorney will bear the loss. Costs include, but are not limited to, court filing fees, deposition costs, expert fees and expenses, investigation costs, long-distance telephone charges, messenger service fees, photocopying expenses, and process server fees. Items that are not to be considered costs, and that must be paid by Client without being either advanced or contributed to by Attorney, include, but are not limited to, Client's medical expenses and other parties' costs, if any, that Client is ultimately required to pay.

When you win, and only if you win, does the Attorney get paid.  In this case $100,000.  $10,000 is reimbursed to the Attorney.  You now have $90,000 to work with.  The Letric Law Library has a sample agreement (see number 5 for Attorney fees).

Each Attorney and/or firm have their own agreements the agreement provided here is just to be used as an example.

Contingency fees are not allowed in all types of cases and each State regulates this.  For example:  In a divorce with children...if an Attorney were allowed to accept a contingency fee on the outcome of how much child support or alimony is awarded how would the Attorney collect on years of monthly payments and how fair would it be to all the parties to have Attorney's collect forever.

Don't be swayed by the Personal Injury Attorney commercials that say you won't pay a dime if we don't win...they all do this.  It gets your attention and you call not realizing that they all do.  Now you know....find the Attorney that YOU want and will fight for YOU!!

It will cost you NOTHING to meet with a Personal Injury Attorney!  It may cost you A LOT not to! 

Like Zeisler & Associates, Attorney at Law, PC on Facebook or visit their website.  

Pueblo Office: 113 W. 12th Street  (Map it)

Colorado Springs Office:  422 E. Vermijo Ave., Suite 412 (Map it)

Car Accident step by step guide Part 2: watch your words

You are driving down the street and the next thing you know you are face in your airbag.  You've been hit by someone.  You don't know what happened.  What should you do?

Keep your mouth shut!!

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

What happened? Is usually the first question asked by the first responders; police, fire department, paramedics, EMT's, witnesses to the accident, etc.  What you say can be twisted to whatever the insurance company wants, remember they didn't get to be a $15 billion dollar company because they want to take care of you!

No matter what the situation is.....keep your mouth shut.  When the adjuster comes out...keep your mouth shut.  They are looking for "key" words or phrases that can and will be used against you.  Don't discuss anything personal: "I just lost my job" or "I just broke up with....." NOTHING!!

"People talk too much. Your best advice is to make sure everyone is OK and then say nothing," says Smith, who's been in the insurance industry for 27 years.

Car accidents are a very stressful situation to be in.  It is natural to "talk" because you are nervous.  But....you don't want what you say to hurt your claim and, trust me, if they can manipulate what is said, to their advantage, they will.

Don't apologize...this can be construed as an admission of guilt.  I have been in two car accidents, neither of which was my fault, and I can tell you...the first thing out of my mouth on the first one was "I'm sorry" meaning just that...not that I was guilty but I was sorry the accident happened.  That was a hurdle that we should not have had to jump through....but it did teach me for the car accident that happened later.  

So, what can you do? 

• Get to a safe place
• Make sure everyone is okay
• Call the police and, if needed, an ambulance
• Have your driver's license, registration, and auto insurance (Everything they need to know about you is on these items)
• SAY NOTHING!!!
• Call an Attorney

Learn from other's mistakes!  
In every blog in this step by step process I am going to tell you to contact an Attorney!  You need someone who will fight for you.  Stay tuned for the next step.

If you are hurt in a car accident, NO MATTER WHAT YOUR INJURIES ARE, consult an Attorney!  The best way to heal is let someone else fight your battle with the insurance companies and it is a BATTLE!!  



Like Zeisler & Associates, Attorney at Law, PC on Facebook or visit their website.

Pueblo Office: 113 W. 12th Street  (Map it)

Colorado Springs Office:  422 E. Vermijo Ave., Suite 412 (Map it)

What does your declaration page for you auto insurance really says

This one is fun.  Pull out your declaration page for your auto insurance and see what is actually covered and what it means:

This is a general overview of the definitions of what auto insurance really means.  For a clear understanding call your agent for details.  Know what your insurance will pay for, cover and will not BEFORE you get into a car accident. 



Liability Coverage/Bodily Injury Liability (Some know it as Liability; BI)
You are not covered:  Let me explain; This type of policy covers OTHER people's bodily injuries or death in which you may be found responsible.  This could be THEIR medical bills, loss of income, pain and suffering.  HINT:  Have enough to cover yourself against in a lawsuit so your personal assets are protected.     Again, this type of coverage does not cover you or other people on your policy.  Required by most states.

Property Damage Liability (PD)
This type of policy covers you if your car damages someone else's property; most cases their vehicle but it could be their home/fence should you drive through it.  It will also provide you with a legal defense if they file suit against you.  Required by most states.

Physical Damage Coverage (Comp and Coll) or Comprehensive Coverage
Covers your vehicle and the damage to other vehicles in which you may have caused.  This usually covers stolen vehicles or damage from outside forces.  It will pay to have your vehicle (and others) fixed (minus your deductible).  States do not require this but if you have a loan on your vehicle, most likely, your lender will require it.

Collision Coverage (Coll)
This is when someone or something else hits your vehicle.  This coverage will fix your vehicle (minus your deductible).  States do not require this but if you have a loan on your vehicle, most likely, your lender will require it.

Underinsured Motorist Bodily Injury (UNDUM)
Covers you, members of your household and your passengers for injuries and/or death caused by another person's negligence.  This coverage pays when the negligent person does not have enough coverage through their policy.

Uninsured Motorist Property Damage (UMPD)
This coverage is for your property when it is damaged by a negligent person who does not have insurance.  If you do not have collision coverage (Coll) you may have a limit on how much is paid for repairs.  If you do have collision coverage than this would pay for your deductible only (in some States...please check your State for complete details).

Underinsured Motorist Property Damage (UNDPD)
Covers your property when the negligent party does not have sufficient coverage on their policy.  As with the Uninsured Motorist coverage some states have a max this will pay for and if you have collision, this will pay for your deductible (in some States).

Zeisler & Associates, Attorneys at Law, PC on Facebook or visit their website for more information.

Tell me about your story...did you learn too late about your auto insurance policy?

Words that can hurt you after a car accident...more than your injuries

You are driving down the street and the next thing you know you are face in your airbag.  You've been hit by someone.  You don't know what happened.  What should you do?

Keep your mouth shut!!

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

What happened? Is usually the first question asked by the first responders; police, fire department, paramedics, EMT's, witnesses to the accident, etc.  What you say can be twisted to whatever the insurance company wants, remember they didn't get to be a $15 billion dollar company because they want to take care of you!

No matter what the situation is.....keep your mouth shut.  When the adjuster comes out...keep your mouth shut.  They are looking for "key" words or phrases that can and will be used against you.  Don't discuss anything personal: "I just lost my job" or "I just broke up with....." NOTHING!!

"People talk too much. Your best advice is to make sure everyone is OK and then say nothing," says Smith, who's been in the insurance industry for 27 years.

Car accidents are a very stressful situation to be in.  It is natural to "talk" because you are nervous.  But....you don't want what you say to hurt your claim and, trust me, if they can manipulate what is said, to their advantage, they will.

Don't apologize...this can be construed as an admission of guilt.  I have been in two car accidents, neither of which was my fault, and I can tell you...the first thing out of my mouth on the first one was "I'm sorry" meaning just that...not that I was guilty but I was sorry the accident happened.  That was a hurdle that we should not have had to jump through....but it did teach me for the car accident that happened later.  

So, what can you do? 

• Get to a safe place
• Make sure everyone is okay
• Call the police and, if needed, an ambulance
• Have your driver's license, registration, and auto insurance (Everything they need to know about you is on these items)
• SAY NOTHING!!!
• Call an Attorney

Learn from other's mistakes!  

If you are injured in a Colorado car accident I highly recommend (from personal experience):

Zeisler & Associates, Attorneys at Law, PC on Facebook or visit their website for more information.

If you have a horror story about your car accident or if you have hired Zeisler & Associates, Attorneys at Law, PC please tell me about your experience.

Understanding MedPay?

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 




MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!! 

When you sign on for auto insurance and do not "opt out" you are automatically signed up for $5,000 MedPay (Colorado....please check your state policies).  

The good thing about MedPay is it kicks in immediately.  The bad thing is it is not closely looked at so if you visit an "unscrupulous" Doctor your MedPay can be used up very quickly....and as I said earlier....it is normally paid back out of your settlement.

We talked about Policy Limits so let's assume you have the Colorado minimum requirements of $25,000/$50,000 with $25,000 MedPay.  The person who hits you has the same minimum policy limits.  You are seriously injured and your MedPay is exhausted.  You have to have surgery and will have scars the rest of your life.  Bye Bye settlement.  

First thing you need to do is check what your policy limits are.
Second check what your MedPay is.
Third:  If you are ever injured in a car accident TALK TO A Personal Injury Attorney.  They will fight for your MedPay and they will have referral Doctor's that won't abuse the MedPay so you have more money for treatment.

Previous blog on MedPay

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Do you have a story you can share?

Secrets Insurance Companies don't want you to know

Okay, so you have been in a car accident. Here are a few secrets you HAVE to know before you say anything to anyone.

Insurance companies ARE NOT YOUR FRIEND!! They will call you, and more often than not it is being recorded, to see if you are okay and to ask you a few "questions." DO NOT AGREE TO DO THIS. Even the truth can hurt you later on. Imagine a murder suspect in interrogations...the police are allowed to lie to the suspect in the hopes of a confession. After the car accident you are now in this situation. The insurance company will lie to you in hopes to get the answers they need.

Their ONLY GOAL, no matter what they say, is to

SAVE MONEY!!

If you are hurt you need to seek medical attention. Keep in mind that not all injuries do not materialize right away. It is essential that you seek a PROFESSIONAL and RESPECTED Doctor as your injuries can cause long term damage OR hurt your claim if not documented correctly. 

Here's my oops that I want you to learn from:

By this....I strongly urge you not to answer the question "What are you doing for the pain?" with......."lots of alcohol."

Negotiations: Lets be honest...we all think we can "get more" if we don't hire an Attorney.

"Insurance companies will NEVER tell you to consult an attorney, because they know that if you hire an attorney, you will get more money, even after you pay the attorney, than you will get if try to negotiate with them yourself. Insurance companies will NEVER tell you that their negotiators and claims adjusters are often attorneys." (The Washington Times)

Did you know that Insurance Companies will often request your Doctor's summary to compare with other Doctors? Did you know that they PAY other Doctor's to review your injuries to decide if treatment is necessary?

Guess what the findings are......yep, treatment wasn't necessary.

Don't get bullied by the Insurance Company! Get medical treatment from an HONEST and REPUTABLE Doctor and/or clinic! 

If you are unsure which Doctor to see call Zeisler & Associates, Attorney at Law, PC for a referral.

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Lean on Me!

LEAN ON ME  (Click me)

• Have you been hurt in a car accident? 
• Do you need someone to lean on? 
• Do you need someone to give you a hand?

Car accidents and injuries can cause more problems than "just your injuries."  Stress, problems in your relationship, depression...just to name a few.

If you have been involved in a car accident YOU NEED AN ATTORNEY!  Okay pick one out of the phone book, go to someone who helped someone who helped someone. 

OR

You can call Zeisler and Associates, Attorney's At Law, PC and get the ATTORNEY you can lean on.  You will meet with an ATTORNEY to get all your questions answered.  You will have an ATTORNEY that your situation is PERSONAL and will fight for your rights! 

Zeisler and Associates, Attorney's At Law, PC will help pick you up when you need help.  They will walk with you through the whole process.  They will be your friend that sings "Lean on Me" when you are not strong (okay they won't really sing it for you......which may be a good thing) but that is how they do business!

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Contingency Fees explained

A contingency fee is defined as any commission, percentage, brokerage, or other fee that is contingent upon a favorable legislative result.  (NCSL)

We've all heard on the commercials "you don't owe us anything unless we win your case."

So what does this mean for you?  The most common use of contingency fees are auto accidents.  You enter into an agreement with the Attorney to take you case and the Attorney will receive a percentage of what your award is.

This is a great way for those who cannot afford Attorney fees UPFRONT to still get representation.  For example:  you are involved in a car accident and enter into a contingency fee agreement.  The Attorney will pay the expenses through the duration of your case (or set up arrangements for those expenses to be paid out of the proceeds of your award) so you are not out any money.  In auto accidents all policies are different and all claims are handled differently so I can explain by my experience.  My policy limits are $100,000.  I enter into a contingency agreement for 35%.  It cost the Attorney $10,000 to gather information.....and let me tell you this is not cheap,

see example of costs at the Letric Law Library sample number 7:   COSTS. Attorney will advance all "costs" in connection with Attorney's representation of Client under this agreement. Attorney will be reimbursed out of the recovery before any distribution of fees to Attorney or any distribution to Client. If there is no recovery, or the recovery is insufficient to reimburse Attorney in full for costs advanced, Attorney will bear the loss. Costs include, but are not limited to, court filing fees, deposition costs, expert fees and expenses, investigation costs, long-distance telephone charges, messenger service fees, photocopying expenses, and process server fees. Items that are not to be considered costs, and that must be paid by Client without being either advanced or contributed to by Attorney, include, but are not limited to, Client's medical expenses and other parties' costs, if any, that Client is ultimately required to pay.

When you win, and only if you win, does the Attorney get paid.  In this case $100,000.  $10,000 is reimbursed to the Attorney.  You now have $90,000 to work with.  The Letric Law Library has a sample agreement (see number 5 for Attorney fees).

Each Attorney and/or firm have their own agreements the agreement provided here is just to be used as an example.

Contingency fees are not allowed in all types of cases and each State regulates this.  For example:  In a divorce with children...if an Attorney were allowed to accept a contingency fee on the outcome of how much child support or alimony is awarded how would the Attorney collect on years of monthly payments and how fair would it be to all the parties to have Attorney's collect forever.

Don't be swayed by the Personal Injury Attorney commercials that say you won't pay a dime if we don't win...they all do this.  It gets your attention and you call not realizing that they all do.  Now you know....find the Attorney that YOU want and will fight for YOU!!

Zeisler & Associates, Attorney's at Law, PC is the firm that will fight for your rights!!!
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Summer car accidents are increasing

We all hear about car accidents in the winter with ice, snow and low visability.  But car accidents are on the rise in the summer.  Summer is when are kids are out of school and...on the road.

With the heat we have been having heat exhaustion is a big problem.  According to WebMD Heat exhaustion is a heat-related illness that may occur after you've been exposed to high temperatures for several days and have developed dehydration, which is an inadequate or imbalanced replacement of the fluids and electrolytes you've lost through excessive perspiration.
There are two types of heat exhaustion:

• Water depletion. Signs include excessive thirst, weakness, headache, and even loss of consciousness.
• Salt depletion. Signs include nausea and vomiting, frequent muscle cramps, and dizziness.

Symptoms of Heat Exhaustion

The most common signs and symptoms of heat exhaustion include:

• confusion
• dark-colored urine (which indicates dehydration)
• dizziness
• fainting
• fatigue
• headache
• muscle cramps
• nausea
• pale skin
• profuse sweating
• rapid heartbeat

Take a good look at the list of symptoms of heat exhaustion.  Now imagine having these symptoms while driving....it is a dangerous combination.

Please be careful when getting behind the wheel of a car.  If you are involved in a car accident call Zeisler & Associates for the best representation! 

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The truth about MedPay and treatment for Personal Injury

The more I treat the more I get.....not true.  Insurance companies have a pre-determined amount that each injury is worth.....so if you treat the injury more than you should than less money will come to you....unless you have a powerful Attorney to fight this!

Gotta love Colorado:  You are allowed to "sign off" on MedPay. 

MedPay:  A type of auto insurance covering medical and funeral expenses resulting from an accident for the policyholder and any passengers riding with the policyholder. MedPay also covers the policyholder for any accident in which he is a pedestrian. MedPay provides coverage regardless of who is at fault. (Investorwords.com). 

For a few dollars more a month you can add this to your insurance policy.  Personally I have $25,000 in MedPay and used up most of it with my car accident. 

Why?

Because....I was over-treated in the beginning.

Who knew, right? I thought it was the right thing to do....and being stubborn I didn't need an Attorney when it first happened....WRONG!

If I hired Zeisler & Associates, Attorney at Law, PC IN THE BEGINNING I would not have been "over-treated."

Here's what most people do not know....

.......MedPay is PAID BACK out of your settlement....UNLESS you have an Attorney who fights for you.  When I was told this, honestly, I was shocked!!  BUT....

.....the good news...Zeisler & Associates, Attorney at Law, PC was able to fight this and have the pay it back out of my settlement waived.  If I did not have this powerful Firm representing me....my settlement would have been less!

If you, or someone you know, is involved in a car accident....CALL ZEISLER & ASSOCIATES, Attorney at Law, PC.  They ONLY represent Personal Injury so they are very qualified and know what your rights are ALL THE TIME.  (800) 961-2430.

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Calculating an Insurance Settlement

The process for an insurance settlement begins AT THE TIME of the Accident which is called the pre-trial process.  This is where, if you are able, to gather as much information of the accident as you can.  Police reports, witness names and contact information and your documentation of the accident are essential in this situation.

According to David Goguen, J.D: 

From the time your accident occurs, until you submit your claim, you need to collect and preserve evidence that documents the cause of your accident and answers the question: How has this car accident affected my life? An evidence checklist you gather should include:

• The facts of how the car accident happened, with supporting documentation such as the police report, witness statements and photos. (Use this accident investigation form to record information at the scene of your accident. Then, keep a diary of important accident-related information, using this diary form.)
• Medical records that show what injuries you received, how they were treated and how well you recovered.
• Medical bills that you incurred to treat your car accident injuries.
• A statement verifying any loss of income that resulted from your car accident injuries.
• Documentation of any other financial losses that you had as a result of your car accident.
• Evidence of your pain and suffering.

Do not try to do this alone.  Yes you can try to settle with the insurance company yourself but why not meet with an HONEST Attorney who will tell you if it is something you can do yourself.

Zeisler & Associates, Attorney at Law, PC is just that Attorney!!  If you can do it yourself they will tell you and in most cases will assist you in knowing what needs to be done. 

Call them today 1-800-961-2430

Offices located in Pueblo and Colorado Springs

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Spinal Cord Injuries

What is Spinal Cord Injury?   Spinal Cord Injury (SCI) is damage to the spinal cord that results in a loss of function such as mobility or feeling. Frequent causes of damage are trauma (car accident, gunshot,  falls, etc.) or disease (polio, spina bifida, Friedreich's Ataxia, etc.). The spinal cord does not have to be severed in order for a loss of functioning to occur. In fact, in most people with SCI, the spinal cord is intact, but the damage to it results in loss of functioning. SCI is very different from back injuries such as ruptured disks, spinal stenosis or pinched nerves.
   A person can "break their back or neck" yet not sustain a spinal cord injury if only the bones around the spinal cord (the vertebrae) are damaged, but the spinal cord is not affected. In these situations, the individual may not experience paralysis after the bones are stabilized.
   What is the spinal cord and the vertebra?   The spinal cord is about 18 inches long and extends from the base of the brain, down the middle of the back, to about the waist. The nerves that lie within the spinal cord are upper motor neurons (UMNs) and their function is to carry the messages back and forth from the brain to the spinal nerves along the spinal tract. The spinal nerves that branch out from the spinal cord to the other parts of the body are called lower motor neurons (LMNs). These spinal nerves exit and enter at each vertebral level and communicate with specific areas of the body. The sensory portions of the LMN carry messages about sensation from the skin and other body parts and organs to the brain. The motor portions of the LMN send messages from the brain to the various body parts to initiate actions such as muscle movement.
(http://www.spinalinjury.net/html/_spinal_cord_101.html) 
    
Car Accidents can cause numerous problems to the body.  Spinal cord injuries can affect your hands, arms, legs and feet and will usually take a MRI to discover.  Depending where the injury will determine what other parts of your body will be affected.  A neck injury can affect your arm while a back injury can affect your legs. When you are involved in a car accident and you don't "feel" any injuries call an Attorney anyway.  It may take several weeks before any injuries will be discovered.  


At Zeisler & Associates you will get the attention YOU deserve and need.  Zeisler & Associates ONLY practice personal injury.  Make your first call the them and they can refer you to the best doctors for your situation.


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Whiplash



123rf.com

Whiplash is an injury that can be caused by a car accident.  There may be minimal or no damage done to your vehicle which will lead the insurance companies to claim that you were not injured in the accident.  Also, you may not know you are injured for weeks after the accident.  I know this first hand from my car accident.  It wasn't until a few weeks after my accident, and after I told the other party's insurance company I was not hurt, that I could barely move.  After months of doctor visits I learned of my neck injuries.  

Carol Zeisler had her work cut out for her after I hired her.  I hadn't been to a doctor (except for my injuries from the car accident) in about 10 years.  I told the insurance company I was not hurt (at the time I wasn't).  It wasn't until I couldn't move that I called Carol, who had been referred to me by a trusted person....who I will always be thankful to for the referral.  Carol was able to prove it wasn't a pre-existing injury (insurance companies love those words) and was able to get me my policy limits.  

When you are involved in a car accident    CALL CAROL FIRST   even if you do not think you are injured.  You need a good Attorney to ensure that you are able to receive the proper care and compensation owed to you.  


Symptoms of whiplash include neck pain and stiffness, headaches, pain in the shoulder or between the shoulder blades, low back pain, pain or numbness in the arm and/or hand, dizziness and/or ringing in the ears or blurred vision.  


When you call Carol first she will put you in contact with the BEST doctors for your situation.  She knows what needs to be done from the beginning and can serve you better when she starts from the beginning and doesn't have to "clean up" what has happened.  (She had to clean up my mess that I started from not realizing what I was doing).


Zeisler & Associates are exclusive to personal injury and are dedicated to serve you.  When you hire Zeisler & Associates you not only get an EXPERIENCED ATTORNEY you get a person who cares about YOU and what is right!!

At Zeisler & Associates you will always be informed of the status of your case.

Conveniently located in two locations:

Click on the city to get directions

Pueblo                                                   Colorado Springs

123 W. 12th Street                                 422 E Vermijo, Ste 412

Pueblo, CO  81003                                Colorado Springs, CO 80903

719-358-2571                                        719-694-3971

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