Our law firm has been open since 2006, and we have tried to focus on providing exceptional customer service to our clients.  Our philosophy is that if you hire an attorney, you should get to work with the attorney.  We strive to promptly respond to emails and phone calls, and to be available to our clients.

Choosing an attorney is an important and critical decision.  Television commercials and fancy advertising slogans can be misleading about the kind of experience that you might have at a law firm.  Before you make any decisions, come sit down with one of our attorneys for a free face-to-face consultation to discuss your case.  Let us show you how you should be treated.

Tyler Hammond, Esq.

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     The truth is, the law regarding car accidents and various insurance coverages is very complicated, and insurance companies will do their best to pay out as little as possible.  A skilled lawyer can advise you on how your health insurance, your auto insurance, and the other driver’s auto insurance all work together to maximize your recovery.

     Consider the following hypothetical example:  John has health insurance with a $5,000.00 deductible.  Dave rear-ends John and John goes to the hospital and incurs a $10,000.00 hospital bill.

     Here are three potential outcomes:

Scenario 1:

The hospital tells John that they will simply “bill” Dave’s insurance rather than John’s health insurance so that John doesn’t have to pay any copays or deductibles.  John thinks this sounds great.   Dave’s insurance covers the $10,000.00 bill and John feels happy that he didn’t have to come out of pocket.

     The result:

Dave’s insurance pays the hospital $10,000.00
John gets $ 0.00

Scenario 2:

John asks the hospital to bill his health insurance.  The $10,000.00 bill gets “adjusted” or “discounted” through the health insurance down to $2,900.00 which John owes as it falls under his deductible.  Dave’s insurance offers to pay the $2,900.00 and John feels grateful that he didn’t have to come out of pocket.

The result:

 Dave’s insurance pays the deductible of $2,900.00
John gets $ 0.00

Scenario 3:

John asks the hospital to bill his health insurance.  The $10,000.00 bill gets “adjusted” or “discounted” through the health insurance down to $2,900.00.  John knows that legally Dave’s auto insurance does NOT get to benefit from the fact that John has health insurance.  Dave’s insurance pays the full $10,000.00 bill directly to John.

The result:

Dave’s insurance pays John $10,000.00
John pays his $2,900.00 deductible and nets $7,100.00 in his pocket.

     Which scenario do you think the hospital prefers?  Obviously under the first scenario, the hospital gets paid the full $10,000.00 rather than being forced to take any discounts that it might be required to take under a health insurance contract.  (i.e. contractual adjustments)

     Which scenario do you think Dave’s auto insurance prefers?  Under the second scenario, Dave’s auto insurance gets away with paying only $2,900.00, rather than the full $10,000.00 that they are legally responsible for.  Notice that under this scenario, John’s decision actually saves Dave’s insurance company $6,100.00.

     Which scenario do you think John prefers?  Under the third scenario, John actually walks away with money in his pocket.  Additionally, John may be entitled to lost wages, pain and suffering, etc.

     This is one small example of how insurance companies can short-change someone.  Sadly, the person in the first two scenarios probably thinks that the insurance company is doing him a favor by paying the out-of-pocket expenses.  (i.e. copays or deductibles) In reality, that person got short-changed.  This scenario happens very frequently.

     There are numerous laws and nuances that insurance companies can exploit to their advantage.  They want to settle with you before you get an attorney.  I even had a client who was offered money at the scene of the accident to settle.  Fortunately, he declined the offer and retained our law firm and we got him significantly more money – even after paying us our fee.

     Each case is different and should be assessed by a skilled attorney to make sure you don’t get taken to the cleaners.  If it is just you vs. the insurance company – who do you think is going to win?  You are already the victim of a car accident – Don’t let yourself become the victim of an insurance company as well.

     Always get a free consultation from one of our accident injury attorneys before you make any decisions. A good lawyer can make all of the difference!

Tyler Hammond, Esq.

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Free consultation. 

Do I have to pay anything to meet with you?  How do I pay to hire a personal injury attorney for my car accident?  These are questions we are often asked.  So, how much does a consultation with our firm cost?  Nothing.  Not a penny. It is a free consultation.  And, in these Covid 19 days, we can offer to meet with you by phone, Zoom, Facetime, Skype, or in person with health and safety measures in place.

You are already the victim of an accident, and we want to make things as easy as possible.  Do you need help finding a doctor?  We know a vast network of doctors who understand your needs, from primary care physicians, chiropractors, physical therapists, pain specialists, orthopedic physicians, or even trauma counselors that can help you heal.  It is always up to you regarding who you treat with, but we can offer these services.  Regardless of who your attorney is, you never have to be seen by only the doctors they know.  You are ultimately responsible for feeling comfortable with who takes care of your health.

Hiring an attorney is simply finding a partner to help you in this one area of your life.  Who will you trust to help you through the process?  Will you have access to an actual attorney or simply a case manager?  Will they call you back promptly?  At Hammond & Hammond, you will talk to real attorneys.  There is no pressure to sign with us, but we are confident that you will be happy once we talk.

Call us to discuss your case today!  24 hours!  (702) 232-4545.

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At Hammond & Hammond, we understand that people often have a hard time pursuing a claim for an injury, whether it is a dog bite or some other incident.  All too often, clients say “I’m not a sue-happy person.”

We understand that most people don’t really want to take someone else to court.  Most people are not vindictive people.  However, it is important to understand that most of the time the claims that we are pursuing are just about fighting for fair compensation from the insurance company.

What exactly is insurance?  Insurance is sort of just a “pooling” program that we pay into to “pool” our money so that the unfortunate victims of accidents can use the money when needed.  It is important to remember that it is a for-profit “pooling” program meaning that the insurance companies make a whole lot of money by handling this “pooling” concept.  If the money isn’t used by those who need it or the insurance companies don’t pay out fair settlements, those insurance companies just get richer and keep more of the “pool” of funds that we paid into.

Thus, whether it is a dog bite, a car accident, a slip and fall, or some other type of incident, you can trust that if Hammond & Hammond represents you, we will fight hard to make sure that the insurance companies pay you fair compensation.  We will fight to make sure that they pay a fair amount from the “pool” of money that you have probably paid into for most of your life in some form.

– Tyler Hammond

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