How Can Chiropractic Care Help With Your Injuries From a Car Accident or Collision?

By Julie Bowen

If you have been injured in an Albuquerque car wreck or some other accident, you know that you need to seek immediate medical attention at the Emergency Room and follow-up care from your primary care doctor. Chiropractors have an important role to play as part of the health care team treating accident victims as well. They can help to evaluate the full extent of your injuries from the accident, and provide treatment to mitigate worsening of symptoms. 

Whiplash Injuries from Car Accidents

Chiropractors can treat injuries from car accidents, commonly known as whiplash, which is caused during a rear-impact collision. The impact from the collision can result in a number of health problems, including:

Loss of resiliency in the spine or limbs

herniated discs

difficulty with movement

chronic pain

difficulty concentrating

Chiropractic Consultation

During a consultation, the chiropractor will meet with you to discuss your injuries, get a description of your symptoms and take a case history. Be prepared to discuss any other treatments you have undergone with your family doctor and other specialists during this part of the visit. Don't hesitate to mention the emotional symptoms you are dealing with following the accident to the chiropractor, such as difficulty concentrating, irritability, and trouble sleeping. It's important to raise any existing conditions you may have, too, as these may affect your tratment.

According to the results of a new study, for example, there is a link between Post-traumatic Stress Disorder (PTSD) and chronic whiplash symptoms. Patients who are living with PTSD have higher levels of pain than whiplash patients who do not have this disorder. Learning how to deal with PTSD following a car accident will require seeking treatment from other professionals, and needs to be diagnosed appropriately so that you can get the right type of treatment, which may include medications, psychotherapy, or both.

Chiropractic Care for Soft Tissue Injuries

The type of soft-tissue injury which presents following a car accident may need more than just pain relievers and muscle relaxers to heal properly. These measure provide symptom relief but don't really do anything to get to the root of the problem.

The damage caused to soft tissues will not necessarily heal within four to eight weeks. It does not simply get better on its own with time and rest. This type of injury requires specific treatment if you are going to be restored to the state you were in before the accident.

Drug-free Treatment 

Chiropractors can offer a safe, drug-free treatment option to accident victims. Their approach is non-invasive. These trained professionals can focus on the following types of injuries:

• Back pain
• Headache
• Neck pain

Once the whiplash has been diagnosed, the chiropractor has a number of treatment options available to offer you. The first thing you may think of when considering visiting a chiropractor is manipulation, "cracking" the neck. This is not the only means of treatment available. The chiropractor can also offer muscle relaxation or stimulation therapy or suggest exercises which may help. He or she may also be able to suggest some ergonomic or lifestyle changes which can help to lessen the neck pain and promote healing. 

The first phase of the injury lasts for approximately 72 hours, during which time the damaged tissue bleeds continuously. During this phase, the injured body part should be treated with ice.

At the 72-96 hour mark, the damaged blood vessels repair themselves. This step marks the beginning of the regeneration phase of treatment, which lasts for between six and eight weeks. At the end of this stage, the gap between the torn tissues is bridged.

The third, or remodeling, phase is where the tissues become stronger and change to become more like the original, undamaged tissue. Proper treatment from a chiropractor can help to ensure that they heal properly to avoid developing into a chronic problem. Experts say that it takes about one year for damaged soft tissues to heal properly.

Compensation for New Mexico Accident Victims

If you have been injured in a New Mexico motor vehicle, truck, motorcycle, bus or pedestrian accident or collision and the other driver was at fault, you may be able to recover money for your injuries and your reasonable medical expenses resulting from the accident, including the cost of doctor's and chiropractor's bills. You can make a claim for pain and suffering.  You may also be able to make a claim for compensation for loss of income (past and future), which is why you and your legal team need to understand the full picture regarding your injuries and the impact they will have on your life. 

The Albuquerque law firm of Caruso Law Offices is well prepared to assist you with your claims against the insurance company.  Mark Caruso, the owner of Caruso Law Offices, is a former insurance company attorney, and he will explain your right to compensation and what you are entitled to be paid for from the insurance company. 

You can contact Mark Caruso directly at 505-883-5000 or their web site at www.carusolaw.com  They have some great YouTube videos describing your rights following a car accident at http://www.youtube.com/channel/UC1CfFrQ5rMb3eegwRl_S3aQ

 

 

At Fault Driver Uninsured? Don't Give Up On Your Claim Without Speaking to an Attorney!

Former Insurance Company Attorney Mark Caruso Gives Honest Answers to Your Questions.

By:  Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)



At Caruso Law Offices, we deal with people who have been hurt in car accidents every day. Having auto insurance in place is a legal requirement in New Mexico, and our clients are shocked to discover that there are many people who get behind the wheel without this necessary coverage in place. When an accident occurs, they are at a loss to understand exactly what happens to their right to be compensated in a fair manner for their injuries and expenses. 

New Mexico is a Tort State

New Mexico operates under the tort system for car insurance purposes. The driver who is found legally at fault is responsible for paying for the damages he or she caused. People who have been injured have the right to sue to recover damages. Drivers are required to buy a minimum level of liability coverage, which pays for the injuries and damages they cause in an accident. The minimum requirements are as follows:

·  $25,000 in bodily injury coverage for a single accident victim

·  $50,000 in bodily injury coverage for all injuries caused in the same accident, regardless of the number of victims

·  $10,000 in property damage coverage

If You are Injured in a Car Accident

Caruso Law Offices, (505) 883-5000

In a situation where a car accident occurs and the other driver is at fault, you would be looking to him or her to compensate you for your injuries and damages. The first thing you would need to do is make sure that your health is looked after by getting appropriate emergency medical treatment, as well as any follow-up care recommended by the doctor. You will still need to continue paying off your car, since you are responsible for this expense even if your vehicle is in the shop. In the normal course of events, the at-fault driver's insurance company would pay your claim for damages. You may be asked to get more than one estimate before starting the work on your car, but you also have the option of having your own insurer pay for the damage, less your deductible. This could get you on the road more quickly than waiting to get estimates or have the damage inspected.

 

Getting Compensation for Your Injuries from an Uninsured Driver

The Insurance Research Council estimates that one in seven drivers is uninsured (2011). If you have been injured in an accident where the at-fault driver does not have insurance, the first place you should look to seek compensation for your injuries and damages is whether you have coverage under your own insurance policy through uninsured driver coverage. If you have this type of insurance, your own insurer will pay your claim for damages.

If you don't have any insurance coverage in place and the at-fault driver does not have insurance, you still have the right to sue and get a judgment against him or her. Don't assume that it is not worth your while to make a claim against someone who does not have auto insurance coverage before speaking with an attorney about your situation. 

The last thing you want to do is assume that the person responsible for causing your injuries has no assets that can be recovered to pay for your damages simply because his or her auto insurance coverage may have lapsed at the time of the accident. Being involved in a motor vehicle accident is a high-stress situation and you need someone on your side to can provide advice about the best way to continue. 

Your attorney can look at the facts of the accident, as well as the damages you have incurred and provide you with an expert opinion about your case. You can get the facts you need about preserving your right to sue by acting within the time limits set out by law as well. The worst thing you can do in a situation where you have been injured in an accident with an uninsured driver is to do nothing. Get the facts from an expert who is on your side, and that means speaking with a licensed attorney as soon as possible, even if you don't know the full extent of your injuries after the accident.

Call Mark Caruso, personal injury and wrongful death attorney, at Caruso Law Offices for a free consultation at (505) 883-5000 or visit www.carusolaw.com


By:  Julie Bradgate

Neck Pain and Back Pain After NM Car or Truck Accident? Answers by Former Insurance Company Attorney.

I have neck pain and back pain after my New Mexico car accident... Who will pay for my injuries?
By:  Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

 

Will the insurance company for person who caused accident pay for my exam and treatment by a doctor or chiropractor?

 

Will the ambulance, hospital or doctor agree to directly bill the insurance company for person who caused accident?

 

These are some of the most common questions we are asked at Caruso Law Offices by people who were just involved in a auto, car,  truck, motorcycle, bicycle or pedestrian accident or collision. They may have been taken away by an ambulance to the emergency room and sent home with medications.  They may have begun treatment with an orthopedic doctor, their primary care doctor or a  chiropractor.

 

But it is usually the same question....

 

Who will pay for my injuries?

 

 

If you have health insurance, you have less problems.  Most New Mexico health insurance companies such as Lovelace, Presbyterian and Blue Cross Blue Shield will immediately pay the ambulance and emergency room bills.  You may still have a deductible or co-pay.

However, many insurance companies now have a provision in the health insurance policy stating that they do not pay for injuries resulting from auto and truck accidents caused by another.

Where can you get the care that you need to treat your neck and back injuries from the car accident?

 

I personally believe that hands on exercise and therapy are the best ways to treat any soft tissue injury to your back or neck such as whiplash or back strains.

 

This type of treatment can be by chiropractors, physical therapists and medical massage therapists. Most of these health care providers will agree to directly bill the insurance company for the person who caused the accident.  Most will also accept a letter of protection and lien by a personal injury attorney.

 

 

You need to be very careful about who you chose to treat your injuries. 

 

Chiropractors, physical therapists and medical massage therapists have good and bad reputations among the insurance company for the person who caused the collision.  Chiropractors must follow the Croft Guidelines which limit the duration of treatment and number of total treatments.  If they fail to do so, your claim could be severely jeopardized.  Physical therapists and medical massage therapists need to be working with a doctor of some type to justify their bills to the insurance company.

Personal injury attorney Mark Caruso can help you select a credible chiropractor, physical therapist and medical massage therapist.

 

 Because Caruso Law Offices only handles personal injury and wrongful death cases we know the reputations of local doctors and health care providers. 

 

We listen to our clients, but we also listen to the comments of the insurance adjusters we fight daily. We know which health care providers to avoid, and we know which have the best reputations. 

 

Getting the health care provider paid

 

Once you make your selection on which health provider you want to treat your injuries, we can offer the medical doctor, chiropractor, physical therapist or medical massage therapist a letter or protection or medical lien on your claim.  That means the health care provider knows that we will submit their bills and records for payment from the insurance company for the person who caused the accident.  It also means that they know that they will get paid at the end of your case. 

 

Caruso Law Offices has worked with several hundred of New Mexico's health care providers over the past 27 years that Mark Caruso has had his personal injury and wrongful death law firm in Albuquerque.  We have an excellent reputation among health care providers because we get them paid from the insurance company for the person who caused the accident or collision. We can help you with your referral and letter of protection. 

 

Call personal injury attorney Mark Caruso at 505-883-5000 to get more information about how to treat your neck pain and back pain and other spinal injuries after your New Mexico car or truck accident.  You can also visit our website at www.carusolaw.com  Please read our client testimonials and reviews.

 

We have received the 2013 Client Distinction Award from Martindale Hubbell and are rated a 9.6/10.0 by AVVO lawyer ratings.  We also have an A+ rating from the Better Business Bureau.

 

Mark Caruso will give you a FREE consultation at one of our Albuquerque offices--Northeast Heights or Westside--or at your home, work or other location during the day or in the evenings or weekends.  We handle cases statewide throughout New Mexico and in the pueblos and reservations throughout our state. 

 

Mark Caruso will also explain our 29% discounted attorney fee for all personal injury and wrongful death claims resulting from auto, car, truck, motorcycle, bus, bicycle or pedestrian accidents and collisions. Why would you ever want to pay the higher 33 1/3% attorney fee that most personal injury and wrongful death attorneys charge.

 

Call us today at (505) 883-5000  

 

 

 

Repair of Car After Albuquerque Car Accident

I Need My Car Repaired After an Albuquerque Car Accident!

By:  Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

You have been in a  car accident,  truck accident  or  motorcycle accident  in Albuquerque, and it wasn't your fault. How are you going to get your car damages repaired?

New Mexico law gives you rights against the person at fault and their insurance company.

But delays in the claims process may mean that you are driving around with a damaged car for weeks after the wreck.  What can be done to speed up this process so you can get your vehicle fixed.

Because  Caruso Law Offices  only handles  personal injury  and  wrongful death  cases, we run into this problem almost every day.  Here is my advice as a  personal injury  and  wrongful death  attorney with 31 years experience. I would be happy to give you more advice during a  free consultation.  Just call me at 505-883-5000 or email me at mark@carusolaw.com






 First, you need to understand that most of the time the officer will not give you the name of the insurance company and policy number for the at fault driver at the scene of the collision. The officer will give you a police report number and tell you that the report will be available in 7 to 10 days.  This creates the first problem of delay.

 

 

Without knowing the name of the insurance company or policy number you don't know who to contact.

If you have collision/comprehensive on your vehicle with your own insurance company, you should immediately begin the vehicle damage  claim  by reporting the accident to your own insurance company.  The phone number to the claims office and your policy number should be on your proof of insurance card you carry in your car.

Let your insurance company know that you want them to begin the property repair process.  Let them know that you do not want to wait for the at fault person's insurance. Do not let your insurance company intimidate you into waiting to deal with the at fault person's insurance.

For instance you might be told that you will need to pay a deductible if you go thru your insurance company but no deductible if you go thru the at fault person's insurance.  This is true.  But as we explain below, the timing should work out that you don't need to pay the deductible.  And even if you do pay it, you will get it back almost immediately after the at fault person's insurance gets copies of the repair bills.

You might also be told that your rates will go up.  This is a lie. New Mexico law prohibits your own insurance company from raising rates or, cancelling you  so long as the accident report states that the accident was not your fault.

 The "property damage adjuster" will take a short statement of what happened in the accident and instruct you on how to proceed on getting estimates.

Some insurance companies require you to get 2 or 3 estimates, while others will want you to make an appointment with them to physically inspect your vehicle.  Regardless of the amounts of the estimates, your insurance company will be required to pay for all the repairs to your vehicle less the deductible.

Now here is where it gets interesting.  While you are getting your vehicle repaired, probably 7 to 10 days has passed and the accident report is now available.  You need to get a copy of the accident report.

The accident report will state the name and contact information of the driver and owner of the at fault vehicle and the name and policy number for the at fault driver's insurance.  You need to immediately telephone the insurance company.  They will take your statement and ask you to fax them a copy of the accident report.  Bec extremely careful what you say to the adjuster because it can be used against you later.

You need to let the property damage adjuster for this insurance company know that your vehicle is currently being repaired, where it is being repaired and the amount of the anticipated repairs.  You will need to also fax this adjuster a copy of your estimates or appraisals you received from your own insurance company.

In most instances the at fault driver's insurance company will directly pay the auto body shop the full cost of all repairs, and you will have no deductible. 

You were able to get the process started using your own insurance company, and finished the repair to your vehicle using the at fault driver's insurance.

Unfortunately, if you don't have collision/comprehensive insurance you will need to wait until you get the accident report before you have any idea who to contact about the repairs to your vehicle.

If you need any assistance on your property damage claim or personal injuries resulting from the collision, please contact  Caruso Law Offices  at (505) 883-5000. We only handle personal injury and wrongful death claims.  That's all we do.  This lets us focus our entire law firm on just one type of law--Personal Injury and Wrongful Death.

Attorney  Mark Caruso  is a former insurance company attorney who now represents individuals who have been injured  car accidents,  truck accidents,  motorcycle accidents,  bicycle accidents, bus accidents or as pedestrians.

Mark Caruso has been an attorney for 31 years.  We have  2 offices in Albuquerque to serve you...Northeast Heights (Montgomery and Carlisle) and Westside (Coors and I-40). We also represent clients statewide and in the pueblos and reservations of our state. 

Call us at (505) 883-5000 for a  free consultation  with Mark Caruso or another attorney at our  personal injury  and  wrongful death law firm.  The consultation is confidential and without obligation.  We can meet with you at either office or at your home, work or hospital.  We can also meet you after hours and on Saturdays.

We look forward to hearing from you.

 mark@carusolaw.com

5 Steps You Should Take After a New Mexico Accident

With or without an attorney, here are Five Very Important Steps you should take immediately after a  car accident,  truck accident,  motorcycle accident  or any accident causing  personal injury or wrongful death.

 

By : Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

 

 Step One: Don’t Discuss The Incident With the Other Party or Their Insurance Representative or Claims Adjuster

The other party, or their representative (usually an insurance company adjuster or investigator) may try to get to you to answer questions soon after the incident – oftentimes within hours. Statements that you make at the time of the accident or following the accident could be used against you as the case unfolds.

Do not talk to the other party or their representative with your attorney present!

Step Two: Get Immediate Medical Attention, Don't Wait

 If you’ve been injured, or there is a possibility that you’ve been injured, get to a doctor, emergency room or an urgent care facility immediately. Be sure that the doctor  documents your symptoms and injuries and the fact that you’ve just been involved in a vehicular accident.

Step Three: Write Things Down....Document Everything That Happens
 

It’s natural for our memories to fade with the passage of time. We’re all human. Make written notes so that you can refresh your memory about the incident. In some counties in New Mexico,  cases don’t get to court for years.   Lawyers working for insurance companies will do their best to paint you as a liar or exaggerator if you don’t have a great recollection of the incident. There is nothing wrong with keeping a diary.

Step Four: Save The Evidence
 

You want to be sure, to the extent possible, that evidence is preserved. Keep broken eyeglasses, casts from broken bones, business cards from witnesses, medical release forms from hospitals.  Keep it all.  Evidence is essential in proving your case later on! Do not lose, alter or destroy evidence!

Vehicle Accident: Repair work should not be started until detailed pictures have been taken of your vehicle (car, truck, bicycle, motorcycle, etc.)

Dangerous or Defective Product: Save the product and its parts (for example, if a bottle breaks, save the broken pieces!). Keep the box in which it came. Save the receipt!
 

Dog Bite or Animal Attack: Save the torn clothing and any other evidence of the attack. Don’t wash the clothes you were wearing.

Slip and Fall / Trip and Fall: Keep the shoes you were wearing, do not throw them out and do not keep wearing them. You will want to keep them in the condition that they were in at the time of your fall. In other words: Don’t wear, repair or throw them out until your case is settled!
 

Step Five: Take Pictures of Your Injuries
 

Take pictures of all parts of your anatomy that show signs of injury before the healing process begins. Abrasions and glass cuts must be photographed.   Date the pictures accordingly (be sure that your digital camera has the right date!). Then take daily pictures of your injuries.
 

If you have scarring, be sure to get pictures. If you’re going to have the scars surgically removed or reduced, be sure to take before and after pictures. In some situations, your lawyer may hire a professional medical photographer to take these pictures.

Caruso Law Offices, Personal Injury Attorneys

Caruso Law Offices  represent people who have received  personal injuries  or have a loved one who has suffered a  wrongful death  due to the carelessness of others. It's my job to take the pressure off of you so that you are free to heal. Feel free to call me at 505-883-5000 for a free consultation or visit our web site at www.carusolaw.com or contact me directly at mark@carusolaw.com

My name is Mark Caruso, and I am the senior attorney at Caruso Law Offices.  Thank you for visiting my blog.  I hope you found it informative. I would like to tell you a little about my firm and my law practice.

I have practiced law for 31 years and am licensed in New Mexico and California.  As a former insurance company attorney I know how insurance companies decide to settle cases.  I used to work for the insurance companies, but now I work for the victims of pesonal injury and wrongful death. I know the "ins-and-outs" of the insurance claims business and their secrets and strategies.  I now use what I learned against them to get my clients the most money possible.

Please feel free to call me at (505) 883-5000 so we can personally discuss your accident. I am also happy to give you a FREE consultation at either of my Albuquerque offices--Northeast Heights or Westside.  I can also meet you at your home, work, or at the hospital after hours and on weekends.  We represent clients in Albuquerque and throughout the state of New Mexico including the pueblos and reservations of our state.

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Albuquerque Accident Attorneys Should Discount Their Fees

Lower attorney contingency fees put more money in client's pocket after personal injury and wrongful death settlements.

By : Mark Caruso, Personal Injury and Wrongful Death Attorney (Albuquerque, NM)

You have probably seen all the attorneys advertising on television, billboards and the sides of buses that they will represent you in your personal injury claim on a percentage fee basis.  This is called a contingency fee.  A contingency fee means that you pay the personal injury attorney no hourly fee, but instead pay a "percentage fee" at the conclusion of the claim.  If the lawyer recovers no money on the claim, the attorney gets no attorney fee.

The New Mexico Rules of Professional Conduct set the ethical rules for attorneys to follow when charging clients a contingency fee. The rules require the contingent fee to be reasonable, and require that the contingent fee agreement be in writing and signed by the client and attorney.

Most every auto accident and personal injury  attorneys in Albuquerque, NM  charges a contingency fee of  33 1/3% for all injury cases that are settled prior to a lawsuit being filed. This seems a little steep, especially because so little work is done by the attorney before the lawsuit is filed. Most of the initial gathering of medical records and establishing of liability are done by a paralegal or legal assistant supervised by the attorney.  However, if a lawsuit is filed because the case could not be settled, then the attorney has much more involvement in the claim.

Beginning in 2009 Caruso Law Offices pioneered a new approach to attorneys fees in Albuquerque, NM.  In compliance with the "reasonable fee" requirement of the Rules and knowing that less work was required to settle a case if no lawsuit was yet file, we discounted our percentage contingency fee.  We discount the contingency fee to only 29% if a case is settled before a lawsuit is filed.

The result is that more money goes into the  client's pocket! It also means quicker settlements for clients. As an example, using a settlement of a $50,000 case, the attorney fee would be $14,500 rather than $16,666.  That's $2,100 more into the client's pocket rather than the attorney's pocket.

The response from clients to the discounted contingency fee has been amazing. Caruso Law Offices receives most of its personal injury client referrals from word of mouth, and little advertising is really needed.

Some might believe that a discounted fees means a lesser qualified attorney or law firm. Not so! Mark Caruso, the senior attorney at Caruso Law Offices,  is a former insurance company attorney who now helps injured victims.  He has over 30 years of experience helping injured victims. He is also licensed in both New Mexico and California. Because Caruso Law Offices does not do television, billboard or bus advertising, its overhead is smaller, and it can help the client by putting more money in the client's pocket. Helping the clients should be the number one priority of every attorney, and it is the priority at Caruso Law Offices.

The discount really means  that the attorney isn't spending lots of money on advertising and can afford to pass the savings to his clients.  Advertising is an expensive overhead.  Freeway billboards can cost $5,000 a month, and some attorney television budgets are $20,000 monthly.  The advertising does not mean that the attorney is a better attorney, only that he is spending more on advertising and probably charging the higher 33 1/3% fee rather than the discounted 29% fee.

If you would like to personally talk with Mark Caruso at  a free and confidential consultation, you can call him at 505-883-5000 or toll free at 800-657-9292. We have two locations in Albuquerque--the NorthEast Heights and the West Side.  You can also see our web site at www.carusolaw.com We look forward to hearing from you. Thanks. Mark