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  • Posted on 10/30/2014 If you won’t give a recorded statement you must have something to hide.

    So you had a car accident or you were hurt at work and the insurance company begins contactiing you. There is some urgency to their calls and you yourself feel a sense of urgency because you are now out of work and haven't any idea when you will see another paycheck. Your spouse is getting nervous about the mortgage payment next month and the grocery stores won't be giving away free food any time soon. So you return the insurance adjuster's call, he or she is the one who works for some company that is not yours. 



    To get ready for the call you dig out the letter you received saying they have been put on notice of your claim. The letter has a claim number and an adjuster's name with his phone number at the bottom. You dial the number thinking this will be a pleasant discussion where the adjuster will quickly realize you are an honest person who knows very little about claims work or the law and they will then treat you fairly. Of course you've never done this before so you aren't really sure what he will ask you. And you think, "Just tell the truth."



    The first thing he says to you after hello is about a recorded statement. You hear those words and realize whoops, I have no clue about whether or not I have to give a "recorded statement". And you think, what if I say something wrong? What then? This happens every day so rest assured you are not the first person to be wondering about how to handle it. Let us look at the scenario. 




    First, a recorded statement does not have to be immediately given before you have had an opportunity to speak with your attorney. Giving a statement right then is not required and if you are placed in this position you should politely decline until you speak with an attorney. There is nothing to "hide", there is everything to be advised about before you go an put your foot in your mouth. This is exactly what the adjusters want you to do.




    I want you to see the trick they use to deny you an opportunity to understand the claims process or your legal rights before they conduct the interview. This next example happens at least one hundred times a year in my practice. So follow it carefully; it is not complicated.



    The clients tell me the adjuster will say, "If you won’t give me a recorded statement you must be hiding something." The client feeling embarrassed believes his giving a statement, right then, is required and he having nothing to hide, thinks so why shouldn't I? First, a recorded statement right then is not required and if you are put in this position you should politely decline until you speak with an attorney.



    This is a technique insurance adjusters use to embarrass you into giving a statement before consulting with a lawyer. Trust me when I say insurance adjuster consult with an attorney when they themselves have a personal injury claim. The CEO of every major insurance company has a cadre of lawyers to give them advice in their personal lives. You have that same right. So, decline their invitation until you have time to speak with a lawyer. No one has to give a statement immediately and certainly not before receiving legal advice.



    Call us if we can help you.

  • Posted on 10/29/2014 What can go wrong with representing yourself in a personal injury claim?

    Question Detail: If the insurance company asks me to provide a recorded statement, should I agree to it?




    Answer: I cover this extensively on my law firm's website because it's a critical event in any personal injury case and it is a place where untrained people think they can apply what is making Lowe's a lot of money. Understand this; the practice of law does not lend itself to DIY projects. Seriously, go find an attorney to help you with this claim. And find the attorney before you go put your foot in your mouth by saying something you will later regret, but did not understand before you spoke the words. Recently we have had a client who thought it was a good idea to check the non-work related box on a short term disability form because he understood how difficult his company makes it to get workers' compensation benefits and how receipt of those benefits would affect his job. He knew this was a work related injury but wanted to be a "loyal employee", loyal to the company. Of course the doctor on the bottom of the form checked off this injury is work related. Still the insurance company will not pay him benefits. We are two months into the claim and still he can't make a mortgage payment. He too thought it was a good idea to talk to the HR department and fill out their forms without talking to a lawyer, and look at the mess he's in.



    You need a lawyer, now go find one. 




    A potential client phoned last week and asked me a simple question: If the insurance company asks me to provide a recorded statement, should I agree to it?



    To the client it would seem this should be an easy question for me to answer. Most people think any qualified lawyer should be able to give a straightforward and simple answer; but it is not easy to do. You might ask why and the answer is in the details of the case which at that point I did not have enough information. Without knowing how the accident happened and how you were injured it isn't possible to direct your attention to what will be the fighting issues. 



    I cover this extensively on my law firm's website because it's a critical event in any personal injury case, which includes workers' compensation, and it is a place where untrained people think they can apply what is making Lowe's a lot of money. Understand this, the practice of law does not lend itself to DIY projects. Seriously, go find an attorney to help you with your claim. And find the attorney before you go put your foot in your mouth by saying something you will later regret, but did not understand before you spoke the words in answer to an adjuster's question.



    Recently we helped a client who thought it would be a good idea to check the non-work related box on a short term disability form because he understood how difficult his company makes it for those filing for workers' compensation benefits. He chose instead to go after STD benefits. He knew this was a work related injury but wanted to be a "loyal employee", loyal to the company. Of course the doctor on the bottom of the form checked off the injury was work related. So now we have the injured worker saying it is not work-related and the doctor saying it is. What that did is set up a denial by both insurance companies. Both workers' comp and the disability insurance adjusters denied the claim. He was without any benefits so he came to me for help.



    Many people think he is just dishonest, but he isn't a dishonest man; just foolish in his belief of what a good and loyal employee should do when injured. His daughter finally persuaded him speak with me. How did he get into this mess? Well he relied on the HR person who encouraged what he did. She set him up for his work comp claim to fail. That employee simply took advantage of what every employee knows about injured workers: sooner or later they will want to get rid of you so don't file for workers' compensation benefits. Then you don't and they do it to you all the same. So you are dammed if you do and dammed if you don't. My client is a very nice guy, just misdirected in his thinking about what would eventually happen to his job. He thought it was a good idea to talk to the HR department and fill out their forms without talking to a lawyer, and look at the mess he got himself into. We straightened out of the mess; but not for another eighteen months. His wife had to work two jobs and the bills piled up. Only when his predicament became obvious did he come to see us. 




    Don't make the same mistake. Learn from his mistake. You need a lawyer, now go find one. 


  • Posted on 10/28/2014 How to prepare for your recorded statement.
    Preparing for the Recorded Statement - Here are simple things you can do to prepare yourself to give a statement to the insurance company. In order to be prepared you will need to do these things days before you give the statement. The goal for you should be to know the facts about how the accident happened, where it happened, when it happened (date/time), weather conditions and to be able to describe how you were injured.



    To be really effective you should understand the legal theories for recovery; although without an attorney to advise you I have no idea how you can learn legal theories of recovery on your own. Attorney Steve Lombardi



    There is no way for this blog to cover all aspects of your individual cases because there are too many ways people become injured. They may include auto accidents, motorcycles, ATV's, scooters, slip/falls, trip/falls, semi-truck collisions, work site accidents, construction sites, factories, machine operators and many other situations.



    Many cases are won or lost while giving a recorded statement, simply because the claimant doesn't understand the law and the insurance adjuster does. The adjusters job is to save his company money which means either being able to deny or reduce your claim for payment. Attorney, Steve Lombardi



    If we can help you with your personal injury case in Iowa give attorneys Steve Lombardi and Katrina Schaefer a call to discuss your case. We take on all kinds of personal injury work in Iowa and have represented clients from all over the United States, South America and Canada. We invite you to let us review your case. 


     


    For this one let us assume it is a car or truck accident. Here is what you should be reviewing a few days before you give a recorded statement.



    1. Police or Accident Report

    2. Photographs of the accident scene or visit the accident scene

    3. Review all measurements of the skid marks

    4. Review the damage repair estimate to fix your car, truck or motorcycle

    5. Visit the scene

    6. Check the speed limit and traffic control devices (stop signs, traffic lights, etc.) on the road/accident report

    7. Review the liability aspects of your case by thinking about who was at fault and why they should be assigned fault

    8. Review the damage aspects of your case/ list of medical service providers - Know how you were injured.

    9. Review possible questions with your attorney, if you have one, or consider the rules of the road as to why the other guy caused the accident and why you didn't.

    10. Review the 8 Simple Rules on my website



    Visit us at www.lombardilaw.com and listen to Attorney Lombardi discuss the answer to legal questions. If we can help you call us at 515-222-1110 or write to me at sdlombardi@aol.com or send Katrina an email at katrina.schaefer8@gmail.com.

Des Moines Accident Attorney Serving All of Iowa And Answering Questions About Personal Injury Accidents

Straight talk when you need it most.

Exploring Recent Personal Injury News From Around the State of Iowa

What's my case worth? What should I do right after the accident? Why is the case manager working against me? These are all questions we often are asked and these answers can all be found at the Iowa Injury Law Center. If you have a question that isn't answered or just want to talk to a personal injury lawyer, contact Steve. 515-222-1110 or sdlombardi@aol.com. He looks forward to speaking with you.

Personal injury law is our business and for the past 30+ years Steve Lombardi has assisted hundreds of clients with personal injury. Clients come from all over Iowa, we do travel and have handled cases in most of Iowa's 99 counties. Let us help you or at least help you get to the right attorney. Currently the worst personal injury cases come from interstate highway accidents, drunk driving collisions, rollover accidents, work related injuries, explosions, electrocutions, falls and spinal chord injuries. We've handled most every type of personal injury case in Iowa and would like to evaluate your case. So call us before you talk with the insurance adjuster.  




Free Legal Questions


http://www.lawguru.com

We pride ourselves telling you what you need to hear not what you want to hear.

Accidents.  They happen anywhere, anytime.  You cut your finger with a knife in the kitchen.  You spill your morning cup of coffee.  You slip on a patch of ice and fall.  Accidents at home are painful and perhaps embarrassing but certainly manageable.  When they happen on the road or on the job, however, they become devastating. 

Whether you’re involved in a serious car wreck, an accident with a truck, or hurt on the job, you’ll find yourself potentially out of work and out of money.  What if you lose your eyesight or a limb?  Your bills will pile up, especially those never ending medical bills that can result in your insurance company raising rates or worse yet, refusing to cover you.

Even though you’re the victim, it seems as if nobody wants to help you and everyone who is supposed to be helping you, wants to blame you. Trying to handle the situation without professional assistance can be just as terrifying as the injury itself.  

At these times, personal injury attorney Steve Lombardi can help.  With over twenty-six years of experience representing civil trial clients in central Iowa, he knows the law and can achieve results for you.   His practice includes personal injury cases; car, truck, motorcycle, and boat accidents; major injury cases including brain damage, loss of limbs, loss of eyesight, death and surgical cases; workers’ compensation; professional malpractice; and a limited number of divorce cases in which significant and valuable property must be divided.

Lombardi Law Firm is located in West Des Moines, Iowa, and serves clients from Polk, Dallas, Madison, Warren, Clarke, Cerro Gordo, Jasper, Linn, Wapello, Clinton, Scott, Pottawattamie, Muscatine, Lee, and Johnson counties, including accidents occurring along the interstate highways I-80, I-35, I-235, and I-380.

Steve Lombardi is the kind of lawyer who cares deeply about his clients.  Just like many of his clients, he too has experienced the breakdown of the health-care system.  When he was thirteen, his father died of lung cancer.  The doctors gave his father no real help.  For two years before his father’s death, they diagnosed a pulled muscle.  Before going to law school he had never been in a lawyer’s office, because his family couldn’t afford legal services.

From those experiences, he draws a great desire to help his clients win their cases involving any type of malpractice, and serious injury, a desire to help his clients find some justice in an imperfect world.  He prides himself on always telling clients what they need to hear not just what they want to hear.

In the pursuit of justice, Steve Lombardi believes his clients are necessary partners in building the evidence that will be used in court:  active, responsive clients with some understanding of the process have the best chance of success.  He is passionate about the work he does and enjoys working closely with his clients to collect the evidence supported by the legal theory.  He believes there are no small issues in a case because every detail could turn a case in the client’s favor. 

Steve Lombardi works very hard to positively impact his clients’ lives.  And while he recognizes that not every case can be won, he just hates to lose.  Justice delayed is justice denied. You can be sure Steve Lombardi will use all of the legal tools available to fight for you, and to win your case.

This week I'm stressing highway safety.  With the cold wintry weather there have been a lot of accidents, injuries and deaths on Interstate 80, 35, 235 and all the other highways in Iowa. I've been posting on some of them.

There are snow plows and Interstate Highway Workers out there and when you see one get over to the side, giving them plenty of room, stop and let them go by or get over and stay clear of the work area. Don’t challenge them or be impatient with these workers. They have a job to do and you challenging them for the road is going to get you no where fast. So back off and let those guys do their job.


BlogBurst.com 

Adventure Travel

The adventure travel business is big in the United States and for that matter all over the world.  In the year 2000 the estimated worldwide revenue was $154 billion and was growing at a 20% annual growth rate.  See Adventure Travel Industry Growth Statistics, Christina Heyniger, Xola Consulting. This industry is unregulated and the certifications the guides obtain are of limited comfort because the associations regulating those guiding services have no enforcement mechanism. The release documents the adventure travel customers sign completely relieves the guiding service of any wrongdoing these Generation X "kid" guides do on the trip. I've travelled all over the world and have some observations from my experience. I invite others to join in with comments and if you write to me I'll respect your privacy, if you want me to, and will use your experiences, both good and bad to make everyone aware of the pitfalls. So come join us with Adventure Travel.

Ag-Law Farm Accidents

Iowa farm families when suffering accidental injury can count on the Lombardi Law Firm to assist them in handling their insurance claims. If you need assistance with an insurance claim give us a call. We handle accidental rollover cases, highway collisions, injuries by equipment, grain dust cases, grain bin suffocation cases, explosions, burns from explosions and electric shock, electrocutions and chemical poisonings. If your accident isn't in this list, call us to see if we can assist you. For 30 years we've helped Iowans just like you to recover fairly. Call us at 515-222-1110 or write to Attorney Lombardi at sdlombardi@aol.com

Boating Accidents

Boating safety is a major concern for those who own or operate a boat on Iowa's lakes and rivers. On this site we focus on boating safety and how boaters get themselves in "hot water" with liability. If you're hurt while on the water you should immediately contact a quallified attorney and seek legal advice about how to gather and preserve the evidence you may later need to protect your rights.

Campus and School Accidents

Going to college is an exciting time in a young adult's life. But the college life is one where freedom causes those not yet ready for responsibility to experiment with the bounds of reason leading to unique ways people are injured. Join us at Lombardi Law Firm as we catalogue the university milieu and personal injury in America.

Car and Tractor Trailer Accidents

Although tractor trailers are a vital part of the American economy, their presence on the roads presents a significant problem while car drivers fail to respect them. The accidents are often severe, resulting in spilled products, bad wrecks, and possible death. If you are injured in an accident involving a tractor trailer along the highways of central Iowa, Steve Lombardi of the Lombardi Law Firm in Des Moines can help you handle these troubling times. Call 515.222.1110 for a free consultation.

Car Damage Property Accident Lawyer

With over 30 years of Iowa property damage and personal injury accident law we provide the law experience you need to maximize your personal injury recovery in any property damage case. If you have questions about property damage here are the answers to your questions. Due in part to the number of questions we get about property damage and how to settle the property claim after an accident the Lombardi Law Firm has created this page with a list of commonly asked questions. If your suit has significant personal injury or death claims we invite you to contact us about your case, but due to the time involved in answering questions (and the fact we still have to pay the bills around here) we do not allow non-client questions for just property damage. Clients may contact us at 515-222-1110 or 800-383-0331 or sdlombardi@aol.com.

Client Trial-Deposition Preparation

Lombardi Law Firm believes in trial preparation. We don't rely on luck to win your case. Instead we prepare you from the first moment we talk with you. What we do is listen to how you talk, think and most importantly answer questions. You can be successful if you are prepared correctly. Not all attorneys take the time to properly prepare their clients. We do.

Construction Site Personal Injury Accidents

Construction Site Personal Injury Accidents - Despite attempts to improve safety at construction sites by updating the regulations about equipment and producing detailed safety information, construction sites remain one of the most dangerous workplaces. If you are injured while working on a construction site, contact personal injury attorney Steve Lombardi as soon as possible to help with getting the relief you’re owed.

Criminal Law

Criminal law in Iowa is an interesting exercise in police power and the State of Iowa flexing it's muscle to collect fines and police the state. If we can help you find the right legal counsel to defend you against criminal charges contact Attorney Steve Lombardi at sdlombardi@aol.com or 515-222-1110. 

Dog Bite Accident Lawyer

With over 30 years of Iowa personal injury accident law we provide the law experience you need to maximize your personal injury recovery in any dog bite case.

Drunk Driving Iowa Personal Injury Accidents

Drunk Driving, Alcohol and Personal Injury and Wrongful Death Accidents in Iowa

Guns & Handgun Rights

If you want to carry or (buy) acquire a handgun, rifle, or revolver and you’re running into obstacles, the Lombardi Law Firm is here to help.  Based in Polk County, Iowa, lawyers Steve Lombardi and Katrina Schaefer practice statewide and are prepared to guide you through the getting, keeping, or renewing your permit to acquire or permit to carry weapons. And if you are a gun owner and need legal help we are here to help you with your legal problems.

Here are some of the services we can provide:

  • We can help you apply for a permit to acquire.  If you don’t already have a permit to carry, then you need to get a permit to acquire if you want to get a pistol or revolver. This is a fairly simple process.
  • We can help you apply for a permit to carry.  If you want to carry a loaded firearm in public in Iowa, you need a permit to carry.   We can help you apply.  Need help becoming eligible?  We can help.  Need to know what rights your permit to carry gives you?  We can help you there too. We can also direct you to where to take the concealed or carry permit instruction course.
  • We can defend you if you’ve brought your gun somewhere you shouldn’t have.  Did you bring your gun into a business that has a policy against guns?  Are you facing a trespass charge for being ready to defend yourself?  Need to know whether your firearm needs to be concealed or whether you can carry it openly?   Come to us to and we can help you protect your gun rights.
  • We can help you if your permit has been denied, suspended or revoked.  Maybe you’ve run into trouble with the application process, or maybe you just received notice that an annual background check has placed your right to bear arms in danger.  You can appeal any decision to deny, suspend or revoke your permit to acquire or permit to carry.  And we can help.

Hip & Knee Implants

Hip and knee replacement devices have come under increasing scrutiny in the last few years, as manufacturers began to recall certain types of these implants. One type of hip implant, and perhaps the most controversial at this time, is called a metal-on-metal bearing. With knees we're starting to see Zimmer's NexGen CR-Flex Porous Femoral component product questions.

I-35 I-80 I-235 I-380 Collisions/Accidents

Interstate highways 80, 35 and 235 personal injury lawyer teams up with lawyers from Minnesota, Iowa, Oklahoma, Illinois, Texas and all other states to provide information to those injured or the families of those killed in accidents and crashes with semi-trucks, motorcycles, cars, SUV's, mini-vans and those working on the highways (State Troopers, highway workers, DOT maintenance workers and others. ) Contact any of these firms for assistance. Steve Lombardi, 1300 – 37th Street, Suite 6, West Des Moines, Iowa 50266 (515)222-1110.

Large Damage, Major-Serious Injury and Death Cases

Damage cases involing death, brain injury, traumatic head injury, spinal injuries, loss of a limb or eyesight or hearing. Most law firms shoe every horse that comes into the barn. We won't and don't. We say no to most cases. We say "yes" to large damage cases so we can focus on getting you the best result.

Motorcycle, Bike and ATV Accident Lawyer

With over 30 years of Iowa personal injury accident law we provide the law experience you need to maximize your personal injury recovery.

Lottery, Gaming and Games of Chance

Winning the Lottery is more than Just Dumb Luck. - You can’t win a lottery without turning in a ticket.

As much as you may want to think this is about fairness, it’s not; it’s about playing by the rules you agreed to when you bought a lottery ticket that is later picked as having the winning numbers.

Don’t fool yourself into thinking you won the lottery when you can’t produce the winning ticket. To win the lottery you have to do several things.

  1. Be old enough to legally play the game.
  2. Buy the winning ticket.
  3. Buy the ticket during the time period when the game is active.
  4. Possess the winning ticket. (Can be by gift or other legitimate means. Just not stolen.)
  5. Sign the winning ticket.
  6. Turn the ticket in by the deadline for validation.
  7. Actually turn the ticket into the Iowa lottery.
  8. Have the ticket be validated by the lottery’s machinery.
  9. Don’t engage in fraud or theft to possess the winning ticket.
  10. Don’t wait to turn in the winning ticket if the economy is in down market because the value of the winning prize will probably decline.

The Iowa Lottery recently had a drawing named Hot Lotto that was sold at a Des Moines convenience store with the winning number being drawn on December 29, 2010. That meant the winning number had to be turned in on or before December 29, 2011. It was, but barely.

Pedestrian Collisions Causing Injury and Death

Pedestrian accidents can have many causes. Pedestrian accidents are caused by inattentive drivers, crossing in the wrong place, listening to an iPod or other MP3 device, the weather or a whole assortment of other facts. Lombardi Law Firm explores the many facets of pedestrian accidents. Come join us. Clients may contact us at 515-222-1110 or sdlombardi@aol.com.

Professional Licensure Defense for Doctors, Dentists, Pharmacists, Nurse Practitioners and Nurses

We assist the medical, dental, pharmacist, nurses and veterinary professionals with defense in civil matters having to do with the Iowa Board of Medicine and all other licensing boards. Call for a consultation.

Property or Real Estate related Injuries leading to Serious Injury or Death

If you’re injury or death case happened (caused) on property (real estate) you need to get a qualified legal opinion that will result in a successful insurance claim and lawsuit settlement or verdict. You need a lawyer on your side that is licensed as a lawyer and licensed as a real estate broker. As a lawyer with a client, but who doesn’t practice in this area full time you need direction and a lawyer who can act as co-counsel. We handle referral work all over Iowa and pay thousands of dollars in referral fees to Iowa’s rural practice lawyers. If you’re not sure there is a case call or email Attorney Lombardi and find out; this consultation is usually free of charge. 515-222-1110 or sdlombardi@aol.com

 

OWI-CDL Lawyers

Without a CDL you can operate. As a truck driver in Iowa an OWI can cost you dearly. Call these OWI-CDL Lawyers for HELP.

Unemployment Benefits in Iowa

If you’re unemployed or partially unemployed and are looking for an attorney to help you get the unemployment compensation you need, the Lombardi Law Firm is here to help.  Based in Polk County, Iowa, lawyers Stephen Lombardi and Katrina Schaefer practice statewide and are prepared to guide you through the difficult process of getting unemployment insurance benefits.

Where can you find legal help with your Iowa unemployment insurance claim? The Lombardi Law Firm is here for you. Call Steve and Katrina at 515-222-1110. 

Whistleblowers / Financially Ripped Off?

Financial crime has increased in America. The amount of retirement funds saved along with government fostering a gambling mentality has creating an environment where greed seems acceptable. Working people, honest people, young adults and the elderly need to be on the lookout to save their hard earned savings and to protect their futures. Join us with the Lombardi Law Firm as we create depository of blog posts that are all about financial rip-off stories that are in the news.

Workers' Compensation

If an individual is injured while on the job, he or she is entitled to worker’s compensation to pay the medical expenses and help cover a percentage of lost pay from mandatory time off. Although the process is relatively simple, getting the full value of your claim is a time-consuming and potentially complicated issue.

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Steve Lombardi
Iowa civil trial, workers' compensation and personal injury lawyer