ADDITIONAL INFORMATION - personal injury

PERSONAL INJURY

Personal injury is a broad term. 

The injury can be the result of an accident or negligence, an intentional act, or an act in which no one is at fault. Our firm focuses on assisting clients  with  injuries that are covered by insurance policies. And this is where a lawyer can help. There are hundreds of situations where the average policy holder or injured person may not be aware that insurance is available to cover their injuries/damages. Listed below are the most common types of Personal Injury cases our firm handles.

 

Automobile and Motorcycle Accidents 

In auto accidents, a driver may run a red light, drive in the wrong lane, speed, text and drive, on and on. These are examples of negligent acts. When a person is driving negligently and causes an accident, hurting another person, the injured person may have a personal injury claim. Making a claim against the negligent party’s insurance company is usually the first step. 

What if the negligent driver has insurance, but the amount of insurance does not cover your medical bills?  In Wisconsin, drivers with auto insurance should have uninsured/underinsured motorist coverage.  As such, your insurance will provide additional money to cover expenses not covered by the other parties insurance. 

What if the negligent party does not have insurance at all or it is a hit and run?  The injured driver's uninsured motorist coverage will provide compensation for expenses in place of the negligent driver.  

*For simplicity, the foregoing examples always list the injured party as the person having automobile insurance.  However, there are a plethora of scenarios in which the injured person is not owner of the vehicle. Or they are a passenger who is injured in the negligent driver’s vehicle. You may not be aware that you are entitled to make an insurance claim. Better to be safe than sorry. Call an experience personal injury attorney who can help you determine if you have a claim. 


18 Wheeler and Large Commercial Vehicle Accidents

18 wheelers and large commercial vehicles are a major backbone for transportation of goods in and around our country. They share the interstate and other roadways with drivers. Most truck drivers take pride in their work, exercise caution and look out for others on the road just like they would their family.  However, some are not cautious, and in fact become the most dangerous drivers on the road. The negligent actions of a truck driver can have devastating effects.  Moreover, an accident with an 18 wheeler may present distinct legal issues from regular automobiles. Federal and DOT regulations, as well as other rules may apply. It is important to hire an attorney who is familiar with these types of accidents.

Pedestrians and Bicyclist

As a former triathlete and cyclist, Mr. McGough is all too familiar with the attitude and carelessness of some drivers towards cyclists on the road. He has personally witnessed several accidents involving negligent drivers striking a cyclist with their vehicle. Whether you are a cyclist, runner or pedestrian (or just sitting down having a picnic) and injured by a negligent operator of a vehicle, you can make a claim against the negligent driver’s insurance policy. Should the negligent driver not carry car insurance, or it is a hit and run, and you carry automobile insurance in Wisconsin, your Uninsured Motorist (UM) coverage will cover you and your family. *This is a situation where many auto policy holders are not aware of this coverage. Go to the oci.wi.gov website and read the Consumer’s Guide to Auto Insurance. This coverage is not a “technicality” or “legal loophole”. It is there to protect you and your family, and you pay for it.

  

Boating Accidents

Mr. McGough comes from a family and culture that revolves around the water. He has family and friends who have served in the Coast Guard, captain pilot boats for barges, perform marine construction and generally work or play in or around the water. He himself has owned and operated boats for personal use since he was 16 years old. Mr. McGough has friends who have been seriously injured, and in one case died, as a result of accidents on the water. 

Boating can be dangerous for even the most experienced and responsible boaters. Accidents can still happen. When an accident occurs on the water, the results are often disastrous. When an accident is due to alcohol abuse, inexperience, improper operation, or some other type of negligence, looking to the availability of insurance to compensate the injured is a must. 

Boat insurance offers coverage for a variety of kinds of boats, including yachts, sailboats, and fishing boats. Many standard boat policies afford the same type of options and coverages as car insurance, including liability coverage, comprehensive coverage and uninsured/underinsured boater coverage.  


Premises Liability

Premises liability relates to accidents or injuries occurring on the property of another. Generally, a premises liability claim arises out of the negligent act, dangerous condition or otherwise preventable circumstance on an insured property that causes an injury. For instance, you are at a grocery store and one of the employees is putting a case of canned goods on a high shelf he can barely reach.  He takes a slight leap to get them on the shelf, but misses and drops them on your foot and breaks several of your bones. The owner of the property or company has a duty to keep his customers safe. The employee should have used a ladder, but he took a risk, acted negligently, and you are injured. The property owner or employer will likely have an insurance policy covering injuries the injuries to the customer.  Other examples of premises liability should be pretty easy to imagine. If you are injured by someone else’s negligence, upon property where the owner had a duty to protect you, consult with an attorney to determine if your potential claims falls under premises liability. 

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