You will save a lot of money, doing it yourself!
SCC believes that the greatest benefit of using a do-it-yourself approach
to achieve a satisfactory settlement of your claim is that
YOU CAN SAVE A LOT MONEY! This is because
you can do most everything the attorney will do-and more in most cases-at
no cost to you whatsoever.
It is fairly standard for attorneys to undertake an injury claim on a 1/3
contingent fee basis, i.e. they will charge you, as their fee, 1/3 of your
settlement. Additionally, they may incur some costs that you, as an
individual, may not incur. The following example is an illustration of the
money that you can save using the SCC do-it-yourself approach. This
illustration assumes that an attorney may be able to achieve a settlement
that will result in the recovery of $500 more than you might be able to do
yourself. In this illustration, your total out-of-pocket expenses are
$3,310 and are as follows:
| Your Medical Expenses |
| Hospital |
$ 280 |
| Medical Doctor |
340 |
| Physical Therapy |
790 |
| Chiropractor and Massage |
1,010 |
| Your Total Medical Expenses |
$2,620 |
| Your Other Direct Losses |
|
| Your lost wages |
625 |
| Your transportation costs |
65 |
| Your Total Other Direct Losses |
$ 690 |
| Your Total Special Damages |
$3,310 |
These out-of-pocket expenses in the amount of $3,310 are what the law
refers to as your "special" damages. These "special" damages
represent your direct out-of-pocket loss before consideration of your
"general" damages. "General" damages are the damages that the
law states that you are entitled to recover in order to compensate you for
your pain and suffering as well as your inconvenience.
| Potential savings |
| Costs incurred |
Do-it-yourself |
Hire an attorney |
| Doctor's Notes |
$ 0 |
$ 27 |
| Narrative Letter |
$ 75 |
$ 195 |
| Emergency Room |
$ 0 |
$ 22 |
|
Chiropractor and Massage Notes |
$ 0 |
$ 25 |
| Chiropractor Letter |
$ 75 |
$ 180 |
| Postage |
$ 3 |
$ 12 |
| FAX |
$ 0 |
$ 10 |
| Phone |
$ 4 |
$ 10 |
| Office Copies |
$ 6 |
$ 25 |
| Totals |
$ 163 |
$ 506 |
| Settlement comparison |
| Do-It-Yourself |
Hire an Attorney |
| Total Settlement |
$ 9,000 |
$9,500 |
Total Settlement |
| Nothing to Deduct |
$ 0 |
($ 3,167) |
Less 1/3 attorney fees of $3,167 |
| Less medical costs to be repaid |
($ 2,620) |
($ 2,620) |
Less medical costs to be repaid |
| Less costs incurred by you |
($ 163) |
($ 506) |
Less costs incurred by attorney |
| Less reimbursement for transportation and lost wages |
($ 690) |
($ 690) |
Less reimbursement for your transportation and lost wages |
| Your general damage award for Pain and
suffering |
$ 5,527 |
$ 2,517 |
Your general damage award for Pain and
suffering |
The difference in net general damage award (and the cost to you if
you hired an attorney) for this case = $3,010. Here are a couple of
charts to help with the comparison:

Look at the difference in your slice of the pie
when you do your own negotiating!
Please note that handing your case over to an attorney will likely not
result in a savings of time or effort on your part. Whether you use an
attorney or do it yourself through SettlementCentral.Com, you
still have to:
- Gather the same basic information
- See the same doctors
- Assimilate the same information in outline form (yours or the
attorney's)
- Keep the same confidential diary
In fact, you will likely find that your time driving back and forth from
the attorney's office, waiting in the "waiting room", meeting with the
staff, and meeting with the attorney is more time consuming and life
disrupting than simply doing the settlement yourself with the assistance of
the SettlementCentral.Com professional services providers.
Please note that the attorney may be able to achieve more than $9,500 if
he/she should take the case to court. However in that case you can expect
substantial delays in terms of years, more visits to the attorney's office,
more time off work for depositions,
arbitration and/or trial, substantially increased
medical costs because of attorney consultations with your doctor and
testimony costs. In order for you to achieve the net award that you would
have received in your own settlement of $9,000, the attorney would have to
achieve a trial award in excess of $20,000! That is not a likely result.
No one pays you for your time off from work to go to the attorney's office,
to prepare for and attend depositions, to attend the trial, to attend the
arbitration, or to attend another trial should the insurance company appeal.
No one pays you for the doctor's expenses in talking to the attorney prior
to deposition, in consulting with the attorney prior to trial or for the
doctor's expenses in attending the trial. All of that money is taken off
of your award for pain and suffering.
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