We tell our San Antonio personal injury clients that we are not the type of San Antonio injury law firm that will wait a long time, send a lot of letters, and hope the other side insured company pays us without doing much work. We file our Texas personal injury and car accident cases. We think our clients are treated better when their cases are filed, set for trial and prepared for trial.

Transcript:

Justin: Welcome to Hill Law Firm Cases, a podcast discussing real-world cases handled by Justin Hill and the Hill Law Firm. For confidentiality reasons, names and amounts of any settlements have been removed. However, the facts are real and these are the cases we handle on a day-to-day basis.

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Justin: With every new case that we get in the door, I have to sit down with a client and have to discuss with them expectations for the process, what to consider going forward, and try to set their expectations about a process that really is unfamiliar with most people. It's unfamiliar because most people aren't used to having to go through a long, drawn-out process to find resolution to a problem. They usually should be able to be resolved without court intervention. Insurance companies have realized that the longer they delay a case, the more time they can have holding on to money in their reserves. There is a financial incentive for insurance companies to hold on to their money and delay the payment of claims, even claims that they know they should pay out. One of the first things I tell clients when they come to meet with me and discuss hiring me is that unlike a lot of law firms and a lot of lawyers, I'm going to file the case. I'm not going to do what a lot of people do. There's a different strategy among lawyers. Some lawyers take the position that they want their client to finish treating, do everything they need to do, figure out all of their damages, then send a letter, and try to resolve the claim. Then, if that doesn't work 6, 9, 12 months down the road, then they'll file a lawsuit. I was trained at a young age to file a lawsuit immediately because insurance companies have proven, time and time again, over a long period of time, that they're not planning on doing the right thing. If they do the right thing, they're not going to do it early on.

I explain to my clients there's a few reasons that we need to file their lawsuit, and also explain to my clients that if they want one of those law firms that is going to go through a letter-writing campaign of trying to get their case resolved, without putting it in the court system, then I might not be the lawyer for them. One of the first things I tell them is that insurance companies rarely, if ever, will disclose the amount of insurance available in a case. Whether it's a $30,000 policy in a car crash, or a $10 million, $20 million policy available in some other type of claim, including an 18-wheeler case in which someone lost their life, it's very rare day that an insurance company will tell you what sort of insurance policies you're dealing with, the layers of the insurance, or the insurance carriers. Some states require that the insurance carriers tell you how much insurance there is, what the limits are, and who the carrier is. Texas does not require that unless a lawsuit's filed. If a lawsuit is filed, the defendants have to disclose the amount, the limit, the carriers, and all that information allows you to properly and adequately advise your client. It also allows you to potentially put the defendant in a Stower situation, which puts a lot of pressure on the insurance company to evaluate your claim because in those situations, there could be risk if they do not pay a claim when it would have been reasonable to do so.

Another reason that we file cases early on is we're the plaintiffs. We have the burden of proof. We need to be on the offense. We have to prove our claim, we have to push...