Here Is The Special Report You Requested

KramerLawPC.com

presents

What Insurance Companies

Would Rather You NOT Know

About Your Injury Claim

Courtesy of

Ron J. Kramer, Esq.
Kramer Law, P.C.

12357 South 450 East, Suite 1

Draper, Utah 84020

(801) 553-8840

If you or someone you care about has been injured in an automobile accident because of someone else's neglect, you probably are confused or worried about what steps you should take next. You may have considered the following:

· Will my medical bills be paid?

· Will I be paid for missing work?

· What do I do if the person who hits my car doesn’t have auto insurance?

· Will my car be repaired?

· Will the insurance company provide me a rental car?

· What if I don’t make a full recovery and cannot return to my job?

· What will the insurance company offer me for my personal injuries?

· How will I know that the insurance settlement is fair for my personal injuries?

· How will I know that the lawyer I’ve chosen to represent my case is competent and experienced in these type of cases?

If you or a friend have any of these concerns, then please keep reading this Special Report. My name is Ron Kramer, and I practice personal injury law in Utah, with a focus on auto accident cases.

Unfortunately, I see way too many people misinformed about their rights after being injured. That is why I have taken the time to produce this Special Report and offer it FREE to anyone who asks for it. I have heard too many stories of injured people losing what they rightfully deserve because a big insurance company intimidated them or a lawyer who didn't know any better “sold” them an unfair settlement. These days, doing nothing at all is one of the worst things you can do. In today’s economy, it’s hard enough to make ends meet, let alone have to worry about what to do when you’re injured.

If you have been injured in an auto collision, there are some facts the big insurance companies do not want you to know. Let me share with you some real life examples of people I have helped and then give you some critical facts you need to be aware of to ensure you get what you rightfully deserve. To protect our clients confidentiality, last names are not used.

HOW CAN THIS BE HAPPENING TO ME?

Take, for example, Michael, one of my former clients. Michael was about 22 years old and had a promising career in the US Air Force. On one particular evening, Michael was a passenger in his friend’s vehicle. They had just left a nightclub and his friend, unfortunately, was driving under the influence of alcohol. He definitely was in no shape to be behind the wheel. After leaving the club, his friend was racing to keep up with some girls that caught his eye when he lost control of his vehicle and crashed head on into a steel barrier dividing the road, going at least sixty miles per hour. Michael, who had not been wearing a seatbelt, received serious, life-threatening injuries during the crash and was in a coma for some time. (Always remember to wear your seatbelt!!) Although Michael miraculously lived to survive the crash, he had suffered a serious brain injury which will make it impossible for him to ever have a normal life again.

After the accident, Michael’s parents contacted our office for assistance in collecting the insurance policy limit of $25,000 that Michael’s friend carried on his car. This amount wouldn’t even begin to cover the large medical bills he had started to accumulate. After some investigation, however, we became aware of other sources that Michael could tap into. For example, Michael himself carried an automobile insurance policy, called an “underinsured” policy that provided coverage under the facts of the case. Additionally, we were able to collect on an “uninsured policy,” after we were able to establish that the girls had contributed to the accident and had left the scene afterward, making them, in a sense, “uninsured.” Next, since Michael was in the military and considered his childhood home back east as his “domicile,” we were able to make a claim on Michael’s parents’ automobile policy and collect the full proceeds of available coverage. Finally, we turned our attention to the night club that had “overserved” Michael’s friend that night. After some initial litigation, the claim against the club was settled. Although Michael will sadly never be the same, we were successful at making claims on all applicable insurance policies and getting a fair settlement from the nightclub.

Another client, Jennifer, was driving downtown one day when she stopped for road construction. Unbeknownst to her, an elderly gentleman, with a patch over one of his eyes, had just passed out behind the wheel after suffering a diabetic seizure because he had failed to eat breakfast that morning. This had happened two times before and he should have known better! There were no skid marks to be found because the man never even braked! My client, in a truck-type SUV, took the brunt of the collision and suffered a bulging disc in her back. After gathering all the records and bills, we approached the insurance company with an offer to settle the case. My client’s medical bills alone came to over $15,000! We thought for sure they would cough up the policy limit. The insurance company, however, refused to offer anything to settle the case, pointing to a couple of large gaps in treatment, which they argued destroyed our case.

In situations like this, an attorney can do one of two things: he or she will either cut bait and drop the client and their case, or he/she will stand behind the client and their claim and file a lawsuit against the driver who caused the accident. Since we had already made a commitment to the case and to the client, the choice for us was obvious: we filed suit. Besides, someone needed to teach this unreasonable insurance company a lesson and hold them accountable. About ten months down the road, we were able to get the claim resolved at a mediation conference for an amount that was more in line with what the case was actually worth.

Then there was Nikki. She came to us after she had a bad experience with another attorney in town. (I have actually gotten quite a few cases this way!) Anyway, the attorney apparently failed to return the client’s phone calls. This greatly upset the client, who felt that if her attorney was going to take a contingency fee on the case, he better darn well be giving her the time of day. I assured the client and her husband that things would be different in my office and that they would get the personal attention that they deserved. Feeling reassured, Nikki then told me about what happened. Turns out that she was driving down the street near the airport when a someone driving a delivery vehicle suddenly pulled out, making a U-turn in front of her. Needless to say, my client“t-boned” the delivery vehicle. Although her injuries were not quite as serious as Jennifer’s above, we were still able to work a favorable settlement without the need to file suit. After her case was settled, I contacted the various medical providers that she owed money to and was able to negotiate reduced medical billing amounts. I told my client that this was a service that I offered as part of my overall representation. Because of these efforts, we were able to knock a couple thousand off her medical bills. This was additional money that she was able to put in her pocket.

INSURANCE COMPANIES WILL TRY TO “MINIMIZE”

YOUR DAMAGES ANY WAY THEY CAN

This next case I see way too often. Jean was involved in a typical, “garden variety,” rear ender. There was less than $1,000 worth of damage to her car. At first, she didn’t think that she was really hurt. So, she didn’t go to the hospital. The next day, however, she began feeling the pain. (By the way, this “delay” in pain happens all the time.) Because of continued pain in her neck and back areas, her doctor referred her for an MRI. The MRI showed disc herniation in her cervical area. Although the herniation was not serious enough to require surgery, she lives with continued pain because of this “low speed” impact.

When we tried to resolve the case with the insurance company, they told us that Jean’s injuries were “inconsistent” with the minimal damage to the rear bumper of her car. They offered an amount which was about 15% of what the actual medical bills ran. We told them that although her injuries were somewhat unusual, they were not completely unexpected following this type of crash. Now, I have become aware through personal experience and through discussion with other local attorneys that this particular insurance company had made a recent, across-the-board decision to “low ball” these low-speed collision claims to teach plaintiff’s attorneys “a lesson” that settlement with their company will happen only on their terms. So, after receiving this disgraceful offer, I phoned the client with the news. Needless to say, she was crushed and disillusioned. I told her what the insurance company had told me. After I did, she told me that she was tempted to take the paltry offer, even though her outstanding bills far exceeded this amount. I advised her that even though the insurance company was being unfair and unreasonable, that we would stand behind her case and file the claim in court. I told her that we were confident that a jury of eight, reasonably-minded citizens (that’s what we get in Utah State court) were likely to see things a little differently. Stay tuned for the conclusion of this case.

WARNING: DON'T LET ANY INSURANCE COMPANY TRY TO PRESSURE YOU INTO DOING ANYTHING UNTIL YOU SPEAK WITH A LAWYER WHO HAS REAL WORLD EXPERIENCE. IT MIGHT SEEM EASIER JUST TO TAKE THEIR LOW-BALL OFFER. UNDERSTAND, THOUGH, THAT YOU ARE ENTITLED TO FAIR COMPENSATION WHEN YOU HAVE BEEN INJURED THROUGH ANOTHER’S NEGLIGENCE. WE PROVIDE THE REPRESENTATION THAT GETS YOU THAT FAIR COMPENSATION.

NO MIRACLES . . . JUST HARD WORK

Now, I didn’t do any special miracle on these cases. I just did my job as a lawyer. I did the hard work that I was supposed to do that was necessary to help my clients. I investigated their claim, hired necessary expert witnesses, interviewed the witnesses and doctors, examined the medical records, documented and verified their damage claims, knew the law, followed the proper procedures and held my ground for my clients.

The tragedy in all of this is that there are many people out there just like Michael, Jennifer, Nikki and Jean. Every year, hundreds, if not thousands of people are injured in automobile accidents. And unfortunately, these people are injured all over again by uncaring insurance companies they run up against. And sometimes, sadly, by unskilled/uncaring lawyers they hired to represent them.

NOTICE: BY LAW I MUST INFORM YOU THAT PAST RESULTS ACHIEVED ARE NOT A GUARANTEE OF FUTURE RESULTS. EACH CASE IS UNIQUE AND REFERENCE MUST BE MADE TO THE SPECIFIC LEGAL AND FACTUAL CIRCUMSTANCES PRESENTED.

If You Are Counting on the Insurance Company to Tell You the Truth, You’ll be Waiting a Long Time!

The harsh reality is that the BIG, STRONG AND POWERFUL insurance companies often try to force the injured party into accepting a lower settlement for their injuries than they truly deserve. The truth is that insurance companies are in business to make money. Thus, the less they pay you, the more profit they can put into their deep pockets.

Please don’t let this come as a surprise to you, but there is a strong possibility that the insurance company you have been or will be dealing with will try to get you to accept a lesser amount than you deserve. Thousands of people, every year, receive far less compensation than they’re entitled to receive. This is how insurance companies generate income for their shareholders.

Please, don't let this happen to you! Protect yourself by learning the secrets insurance companies don't want you to know!

FIVE SECRETS THE BIG INSURANCE COMPANIES

DON'T WANT YOU TO KNOW IN HANDLING

YOUR ACCIDENT CLAIM

Secret #1: EXPERIENCED REPRESENTATION

Secret #2: TIME IS OF THE ESSENCE

Secret #3: PICTURES---PICTURES---AND MORE PICTURES

Secret #4: GET IMMEDIATE MEDICAL ATTENTION

Secret #5: THE PAPER TRAIL

INTRODUCTION

At the risk of stating the obvious, it is important to understand that insurance companies, even your own, are big businesses that want to make money. As mentioned, the less they pay out to injured victims . . . the more money they make!

Before we begin, there are a few things you should understand about insurance companies and how they work.

FIRST, if you are hurt due to the negligence of someone else, and they refer the matter to their insurance company, your case is called a CLAIM. It will usually go to something called their “Claims Department.” A file is set up and an individual will usually be assigned to this file to handle the claim. This person is called the Claims Adjuster.

SECOND, the adjuster will investigate the matter, take statements (from you and witnesses), take photos, and collect medical records so that they can determine liability (who did something wrong) and injuries (how badly were you hurt). Adjusters are usually given a certain “dollar limit” in terms of the amount of money they can offer to settle a claim. Amazingly, many of the big insurance companies get this dollar limit from a giant computer the insurance companies refer to as “Colossus.” The adjustor feeds in the information and the computer spits out a pre-determined range the adjustor needs to settle the case within. Claimants, and even attorneys, who are unfamiliar with what facts increase the value of the claim with the Colossus program, will unfortunately not get top dollar.

THIRD, after the adjuster has finished his investigation, he will either offer to settle the claim or deny it altogether. (If he thinks there is no case.) At this point, you would have to either accept the offer or take the matter to court. Large money claims usually will go to an INSURANCE COMMITTEE, who evaluates the file, or to a LOCAL or REGIONAL MANAGER, who has authority to offer more money to settle the claim.

Needless to say, learning how the system works from the inside can make chances of settling the claim much more likely. Here are just few INSIDER SECRETS that I promised to share with you:

SECRET #1: EXPERIENCED LAWYER = MAXIMUM SETTLEMENT!

MOST CASES REQUIRE AN EXPERIENCED LAWYER IN ORDER TO GET MAXIMUM SETTLEMENT VALUE OF A CLAIM! I know this sounds like a commercial for lawyers, but unfortunately it is true! One common trick of insurance companies is to actively discourage the injured party from getting a lawyer, or competent legal advice. Insurance companies have even been sued over this deceitful tactic and have been slammed! Although most adjustors will not overtly tell you not to hire an attorney, a lot of them will suggest that you should handle the negotiations on your own and that an attorney just cuts into your settlement.

The problem with this approach, though, is that THE INJURED PARTY WILL HAVE NO IDEA WHAT THE CASE IS WORTH. Without a lawyer, he will not know how to get doctors reports about future medical expenses or possible injury complications. The injured party will be in the dark on these things. Do you really want to be alone and put yourself at the mercy of the insurance company, whose prime motivations are their own profits?

Let's take the example of working on your own car. Twenty years ago, it used to be relatively easy and many people could do it. But, with all the microchips and onboard computers, it is virtually impossible today. You need extensive training and complicated diagnostic equipment. Unfortunately, the law is the same way. You need an expert to resolve your case quickly and painlessly. An attorney who knows the drill will almost always get you a better outcome than you could get yourself. In my office, this is a GUARANTEED FACT:

“If I cannot get you more than what the insurance company may have offered you without an attorney, I will reduce or eliminate my fee! You only stand to maximize your claim by hiring an attorney.”

Without an attorney, you may not know all the areas where losses can be paid. Some of these include:

1. Pain And Suffering. Ordinarily, the most “valuable” element of your bodily injury claim is the right to compensation for physical pain and mental anguish you have suffered and will endure in the future because of your injury. These “general damages” are in addition to and may be far more than the amount of your lost earnings and medical expenses.

2. Medical Expenses. The cost of all reasonable and necessary medical expenses incurred and that are reasonably certain to be incurred in the future because of your injury, are recoverable. These expenses include past (already-incurred) medical expenses and also projected future medical expenses, which may be the product of the original injury or that result from an increased susceptibility to future injury. All forms of care and treatment, whether hospital, medical, therapy, nursing, diagnostic testing, surgery, physical rehabilitation or pain management are included. And, you can recover the full value of your medical expenses from the responsible party even if your health insurer has paid all or part of your bills. However, be aware that most health insurance contracts have a “subrogation” clause, that gives them the right to be reimbursed for any amounts they have paid you.

3. Loss Of Earnings. You are also entitled to recover the loss of earnings suffered from your injuries. Thus, wages, commissions, bonuses and all other earnings and fringe benefits are recoverable.

4. Future Loss Of Earnings. If your injuries permanently limit your ability to earn, you can recover the value of the reduction in earning capacity. These damages compensate you for your lost earning power over the remainder of your working years, and can be even greater than the pain and suffering or general damage awards mentioned above.

5. Death. Damages for “wrongful death” are available for the wife, husband, parent and child of the deceased person. Sometimes, persons related by blood or marriage, who were dependent upon the deceased, may recover. Damages are not limited to economic loss and may include damages for mental anguish, emotional pain and suffering, loss of society, companionship, comfort, protection, marital care, parental care, filial care, attention, advice, counsel, training, guidance or education. Damages are available for the deceased’s estate as well.

6. Disfigurement. If the injury causes scarring or other unsightly marks, you are entitled to recover for the disfigurement and humiliation or embarrassment associated with the disfigurement.

7. Damage To The Marital Relationship. Serious injuries to one spouse may cause damage to the marital relationship. If this occurs, you are entitled to recover for the loss of society, affection, assistance, conjugal fellowship and loss or impairment of sexual relations that occurs.

8. Damage To Your Vehicle Or Other Personal Property. You are entitled to be made whole for any damage to your personal property. Where they can repair your vehicle, you are entitled to recover the reasonable cost of restoring the vehicle to its condition before the collision. In addition, you may recover the cost of substitute transportation necessarily incurred while they are repairing your vehicle. If the cost of repair is more than the value of your vehicle (a “total loss”), you are entitled to recover the full value of your vehicle before it was damaged.

(WARNING: CHANGES IN THE LAW CONCERNING DAMAGES OCCUR FREQUENTLY. YOU SHOULD CONSULT WITH AN ATTORNEY WITH RESPECT TO THESE CHANGES.)

How could a lay person negotiate for these things if they don’t even know they exist? Often an insurance company will try to pressure an injured person into a quick settlement at the time when they are mentally, physically and emotionally at their weakest. BEWARE!!! The insurance company does not have your best interests in mind!

SECRET #2: TIME IS OF THE ESSENCE & TIME IS MONEY!

After an accident, a virtual time bomb is ticking! In every case, there are important steps that must immediately be taken. Evidence must be preserved! If you are injured, medical treatment needs to be administered. The longer the client waits, the less likely important evidence is going to be around when it is needed. If this evidence is lost, the case may be worth substantially less because the injured party can no longer prove the things that justify a higher settlement.

Even worse . . . IF YOU WAIT TOO LONG, YOUR CLAIM COULD BE FOREVER BARRED! If you do nothing else, at least call me to see if the Utah statue of limitations for your case has expired. Generally, the statute is four years. There are other restrictions, however, that could make it as little as ONE YEAR!

It is critical that you keep track of these time limitations.. I unfortunately have had to tell potential clients who have called in with serious injuries and clear liability, that they have waited too long. In the personal injury business, DELAY CAN BE FATAL TO YOUR CASE. At a minimum, it will cause your claim to become “stale,” and worth relatively less money than it otherwise could be worth. Witnesses will be harder to locate, and if you can locate them, they may have only a fuzzy memory of what happened. The person that struck you could move out of state, making them much harder to sue, or worse, could pass away. And don’t think the kind, loving insurance company is going to make you aware of any of this. They want your claim barred!

SECRET #3: PICTURES . . PICTURES . AND MORE PICTURES!

You've often heard it said that A PICTURE IS WORTH A THOUSAND WORDS. The right pictures can also be worth literally thousands of dollars. It can be a very powerful tool in motivating the insurance company to make a fair settlement. Take a picture of your smashed car before it gets fixed! Take pictures of your injuries or scars. Take pictures of any splints or casts. When in doubt get in on film! If you are still able, go buy one of those disposable cameras and empty a roll on your damaged car. If your injuries created a facial scar or other visible injury, document this on film as well to preserve the details.

SECRET #4: GET IMMEDIATE MEDICAL ATTENTION

When an accident occurs, injured victims are often in a state of shock. Consequently, they may not initially feel any pain. Many people even deny being hurt because they don’t want to accept the fact that they actually are. They try to “tough out” their symptoms. Later on, however, they often discover that the insurance company will use this against them, claiming “Well, if they were HURT after the accident, why didn't they immediately go to the doctor or the emergency room?” Don’t take a chance. Get the treatment you need as soon as possible. And once you start treatment, for heaven’s sake, KEEP ALL YOUR APPOINTMENTS!! Be as compliant as you can be so that you can later demonstrate that you did everything in your power to get better as soon as possible. Basically, you need to make sure you carefully follow your doctor’s or medial provider’s advice. First, you want to do all that you can to recover from your injuries as quickly as possible. (No settlement amount can ever replace good health.) Second, if you don't follow your doctor's advice, it will probably be noted in your medical records and then it will be used against you by the insurance company.

SECRET #5: KEEP RECEIPTS OF EVERYTHING

Documentation is the key to keeping an insurance company honest. If you want to get paid for an expense, you will first have to show proof of the expense. For example, if you have to hire someone to cut your grass or clean your house after an accident because you are injured, you need to get receipts for this in order to prove you spent the money. Same thing with lost wages from time away from work. Make sure you carefully document that your medical provider has requested that you refrain from work or be on light duty. It is amazing how many of these reimbursable expenses fall through the cracks unless you bring them the adjuster's attention. They will certainly never remind you!

However, keeping receipts has more value than the amount that is reimbursed. It is further proof of the extent of your injuries. Receipts and documentation of these expenditures are painting a very clear picture of the nature and extent of your injuries.

So, Where Do We Go From Here?

Why do you think insurance companies try to get injured people to settle their claims without legal assistance from a competent personal injury lawyer? Because they know they can pay less than they should and get away with it. Leaving you with less than you deserve! The only problem here is, there are so many lawyers! How will you know if the lawyer you hire is experienced? How will you know the lawyer you have is going to be the most competent, aggressive, strong willed, and savvy attorney you can get? Finally...

EXPOSED MYTHS ABOUT LAWYERS . . .

If you have been injured, you get only one chance to get the compensation you deserve. One of the most important decisions you make will be the lawyer you choose to take on this task. That’s why I'm going to expose some of these myths about lawyers. That way, you will have a better chance at making the decision that’s right for you. I know I'm going to get some flack for this, but the truth needs to be told so that you can make an informed decision.

Myth #1: Every Attorney Has the Same Experience and Training.

The truth of the matter is that experience and training differs greatly from attorney to attorney. Some attorneys may have years and years of experience drafting wills or shuffling papers in real estate transactions. Why would you want that lawyer representing you in your personal injury case? If you have been injured, you don't want some paper pusher on your side! Consider also that many attorneys have lots of cases, but they would never take them to trial! Many lawyers prefer “out of court settlements” because they want the easy settlement where they earn proportionately more money than they would if they had to file and litigate their cases. What they might sacrifice in terms of large jury verdicts is made up with the sheer volume of cases they (or more accurately, their paralegals) “work.” You can rely on the fact that insurance companies know about the reputations of some of these firms and gamble with these soft attorneys. Those insurance companies will never offer you what you truly deserve knowing that your lawyer will never take your case to trial and doesn’t have the skills necessary to try a case in court.

FACT: The best way to get top dollar in an out-of-court settlement is by being ready to go to court and by having the experience and skills necessary to win top dollars there!

Myth #2: If a Lawyer is on TV, He/She Must be Good.

Just because a lawyer appears in TV commercials, doesn't mean that they’re qualified to handle personal injury cases. Heck, some of these attorneys are too busy spending their day in the film studio or on the golf course to work on your case! And don’t be fooled into thinking that the attorney you see on TV is the one that is at the office working on your case. In most instances, they have paralegals and secretaries doing this. Sadly, in many cases, you will never actually meet your TV star attorney. You’ll be lucky enough to get them on the phone!

Myth #3: All Lawyers are Skilled in the Art of Negotiating.

If you have ever dealt with a big corporation, you know they can be intimidating and play hard ball. They don’t mess around when it comes to losing money.

You need a lawyer who knows where the weaknesses are in those big insurance companies. Knowing how to negotiate effectively and driving a hard bargain.

To be honest, we settle most personal injury cases out of court. The number of jury trials in Utah continues to decline as the parties use “alternate” methods of dispute resolution. If you don’t have a lawyer who knows the fine “art” of negotiation, you will not get full value for your claim.

Myth #4: All Lawyers are Personally Involved in the Cases They Handle.

Unfortunately, this is not true. Some lawyers have so many cases, they hardly ever look at the file, and they hardly talk to their clients! Just try to get one of those busy lawyers to return your phone call. These law firms are what we refer to in the industry as “mills,” “factories” or “assembly lines.” These lawyers hire paralegals to do most of their work. If you’ve found this out the hard way, give me a call to discuss your options for changing attorneys while you still have time!

The bottom line is no matter how big or small your case, it’s important to you! You need to have a lawyer on your side that is 100% committed to providing quality personal service and detailed attention to all of his clients. You need to know that your lawyer is personally involved in the preparation, evaluation and resolution of your case. A lawyer who will treat your case with the utmost importance it truly deserves. Having said this, however, every good attorney must still depend on a professional, competent staff, just like a good doctor depends on his nurses and other professional staff.

HERE'S WHAT I CAN OFFER YOU . . .

If this Special Report makes sense to you in any way, then you probably have a few questions. Since you may be uncertain about whether you have a valid personal injury claim or what to do about it, I offer a free, one-hour consultation and review of your case. Please call me while this report is still fresh in your mind. I will set aside one full hour to meet with you at no cost and with no obligation! This consultation will allow you to protect your rights and maximize the value of your case. You'll be able to get all of your questions answered and go forward with confidence and peace of mind.

Here’s how it works:

First, I will go over the facts of your case with you, ask you questions and review the police report and any photos, estimates or other papers you may have. Then, when I have a clear understanding of what happened, I’ll give you my opinion about your case, including your chances for recovery and any problems I see. Since every case is different, I’ll tell you what I think is best for you under your specific circumstances.

I will also explain your legal rights and your obligations. I’ll tell you what papers need to be filed and what reports need to be made. I'll also explain the entire claims process, so you’ll know exactly what happens from start to finish.

If the facts are in dispute, I'll tell you what can be done to prove your side. I’ll also tell you how to protect yourself from insurance adjusters and investigators.

Some lawyers may miss little things that can make a big difference to you. The biggest settlements often go to those who avoid insurance company traps by doing the little things right. I'll give you “five” suggestions for successful settlement that most lawyers will never tell you so that you get every penny you deserve.

The only thing I won't do is give you an opinion of what your case is worth. It is impossible to evaluate a case until you have recovered from your injuries and all of the medical bills, records, loss of earnings and other evidence are in hand. Any lawyer who tells you at the first meeting what he can get for you is not telling you the truth. He is telling you what he thinks will get you to sign a retainer agreement. RUN FROM THAT LAWYER AS FAST AS YOU CAN. If the lawyer will act unethically to get your case, how can you be sure that he will not act unethically to hurt you?

Of course, I will also answer all of your questions. This way, you will understand exactly where you stand with your case.

As a result of this consultation, you will know what to expect in the coming weeks and months to come. You will have the information you need to be able to make an informed choice about your case. You’ll leave my office more knowledgeable and more confident about the future.

I’ll also discuss my services with you. I’ll tell you what I can do for you, should you decide to hire me, and explain how the fees and costs work. I’ll explain my guarantee that I can get you more at settlement (even with my fee factored in) than what you could get yourself. I am willing to answer any questions you may have about my background and legal experience, including the number of cases I’ve litigated.

Now, you may be wondering how I earn my money and whether you ever have to pay me an hourly fee. Well, I only get paid when I collect money for my clients who have personal injury claims and we never require them to pay hourly fees. I only get paid if you get paid. So, I have an incentive to devote my time to your case and fight for your rights to receive the kind of compensation you truly deserve!

WHAT’S MY GUARANTEE TO YOU?

I will invest my time, my resources and abilities into your case. I will even share the risk of success with you. This is my guarantee of commitment to you. In most cases, I will advance all of the initial costs for your case. Because of this, you will be able to get your case started without paying any money out of your pocket.

MOST IMPORTANT, YOU GET MY NO-RISK GUARANTEE.

As you may have read in my phone book ad, I guarantee the quality of my legal services or I will not take a fee. You must be completely satisfied with the results or you will owe me nothing!! Just try and find another attorney in Utah that will do this.

THE WORST THING YOU CAN DO IS WHAT TOO MANY PEOPLE DO - DELAY OR DO NOTHING!

Too many people I have spoken with have failed to promptly act to preserve their claim, before important witnesses moved and could no longer be found, before delays or gaps in their medical treatment proved fatal to their case. I have encountered many people who have suffered injuries from an auto collision that failed to seek the “right” legal advice. Some of these people haven’t gone to a lawyer because they did not know they had the right to compensation, some were intimidated and more than a few had bad experiences with other lawyers.

TO TAKE ADVANTAGE OF MY NO-RISK, NO-HASSLE CASE REVIEW, PLEASE CALL (801) 553-8840 OR (800) 901-5014 FOR YOUR APPOINTMENT.

When you call the office, please ask for me so that we can arrange a one-on-one consultation to discuss your case at no charge. I will be happy to answer your questions, give you the benefit of an objective analysis and then, it’s up to you to decide what you want to do. Even after that, you are under no obligation to use me as your attorney! I hope I have made this as easy as possible for you.

Thanks again for viewing this Special Report; I look forward to hearing from you!

All the best,

Ron Kramer

Attorney at Law

P.S. If you would rather discuss your claim with me over the phone, I am more than happy to do so. You don’t need to come in if you don’t want to. You can also e-mail any questions you might have for me to rkramer@xmission.com.