Nelson Boyd

Fact or Fiction: The Other Driver’s Insurance Company Will Pay Your Medical Bills

Posted on Friday, January 22nd, 2021 at 3:00 am    

You were in a car wreck.  It wasn’t your fault.  The other driver apologized for causing the wreck and their insurance company said it “accepted liability.”  This means that the other driver’s insurance company will pay your collision related medical bills as they are incurred, right?  WRONG!

This is a common misconception.  The other insurance company is NOT required to pay for your medical care as you try to get better – and they won’t!  Instead, YOU are required to pay for your collision related medical treatment as you incur the bills.  You will have to do this by using your Personal Injury Protection (“PIP”) insurance on your auto policy, by using your health insurance, or by paying out of your pocket.

When you have completed your collision related medical treatment and have recovered as much as possible, you may be entitled to payment of your personal injury claim, which may include reimbursement of your collision related medical expenses.  However, this usually doesn’t happen until long after the collision!  Even if a lawsuit is filed, it often takes a year or more for the lawsuit to resolve.

TIP:  Make sure you have a way to pay your medical bills.  We strongly recommend that you purchase PIP insurance in the amount of $35,000 on your auto policy.  It is far better than using health insurance.  See our blog and website for articles about PIP insurance.

If you’re in need of a lawyer, call Nelson Boyd at 206-971-7601.


Did Your Lawyer Commit Malpractice?

Posted on Sunday, August 30th, 2020 at 10:01 am    

We wrote recently about the Top Five Tips for Hiring an Attorney and What to Watch Out for When Hiring an Attorney.  We hope those helped you make the important decision about who to hire.  But what happens if you already hired an attorney and they made a mistake that hurt your case?  What can you do?  Do you have any recourse?  The answer is – that depends.  Attorneys are allowed to exercise their discretion about how to handle a particular case.  Some case results aren’t what either the client or the attorney hoped for, but make sense under the circumstances.  Some results, however, are caused by actual errors made by the attorney and you may be entitled to seek compensation from the attorney in those cases.  Here are some of the most common areas where attorneys make mistakes:

1. Missing a Statute of Limitations. 

There are time limits, called statutes of limitation, for when a lawsuit has to be filed with the clerk of the court for the lawsuit to be effective.  If the lawsuit isn’t filed by those deadlines, then any right to make a claim can be lost forever.  How these time periods are calculated is a very complicated issue.  First, the time periods are different in different types of cases.  Also, in some types of cases, it not only matters when an event happened, but when the injured person discovered that an event happened.  Sometimes lawyers calculate these time periods wrong, and the client’s rights are lost.

2. Not getting the right person or company served with lawsuit papers in the time allowed. 

In addition for the time limit for filing a lawsuit, there are time limits for when the necessary suit papers have to served (delivered) to the defendants in the lawsuit. If the right papers are not served on the right people in the right timeframe, it is as if the lawsuit was never filed. Unfortunately, there are cases where the lawyer serves the wrong people or serves them too late, and the lawsuit gets dismissed.

3. Having a conflict of interest with the client. 

Not all lawyers can represent all the clients who come to them with potential cases under all conditions.  A lawyer has a duty to any one client that cannot be compromised by adding other clients.  For example, a lawyer can only represent one side in a divorce case.  Another example is that a lawyer can represent only one person in a car wreck if there isn’t enough insurance to fully compensate everyone who might deserve compensation. A conflict is a serious matter and lawyers should avoid them.

4. Filing a frivolous lawsuit. 

Despite all the urban legends, and fortunately for us all, there are very few frivolous lawsuits filed.  However, the law is clear that if you hire a lawyer who files a frivolous lawsuit, you and the lawyer can be punished for doing so.  If you are counting on and following your lawyer’s advice (as you should be) and you are unexpectedly hit with sanctions, your lawyer may be accountable to you for the harm caused by filing such a lawsuit.

5. Stealing your money. 

Lawyers have to handle client matters, and client funds, with a high degree of responsibility.  This “fiduciary relationship” means that the lawyer cannot, ever, take funds that belong or may belong to a client without strict accounting and the client’s approval.  Sadly, sometimes lawyers take a client’s money when they shouldn’t.  That is always wrong, even if they make up for it later.  A lawyer should be and is strictly accountable to a client for all funds.

At Nelson Boyd, we represent clients whose previous lawyers have harmed them by committing legal malpractice.  If you think you may have a claim, please contact us at (206) 971-7601 and see our website at www.nelsonboydlaw.com.

Download Nelson Boyd Law’s “Did Your Lawyer Commit Legal Malpractice” Article as a PDF


Yes, You Can Afford a Lawyer!

Posted on Wednesday, August 19th, 2020 at 6:00 am    

Most of the work our law firm does is done on a “contingency fee basis.”  And, yet, people still call us and say that they can’t afford a lawyer. We often hear “I don’t have any money to pay you right now” or “I wasn’t expecting to need a lawyer.”  Fortunately, with the “contingency fee,” you don’t have to worry about that.

A “contingency fee” is generally used on cases involving personal injuries where a person has been injured as a result of someone else’s negligence and they are entitled to a lump sum of money to compensate them. These cases often take 2-3 years to resolve and sometimes require hundreds or even thousands of hours of legal work before they are ready to resolve, regardless of whether the resolution results from a settlement or a jury verdict. Obviously, paying a lawyer for years of legal work would be extremely expensive and most people couldn’t afford it.

The contingency fee provides payment to the lawyer at the end of the case— if they win the case for you and recover money on your behalf. The contingent fee starts at 1/3 of the case and can increase depending on whether the case goes to trial or is appealed, as well as the subject matter of the case. More complex cases often require a higher fee. If the lawyer does not win your case, they don’t get paid anything for their time.

Obviously, lawyers must be choosy about the cases they accept under this system because they are committing to work for you for years without being paid and they are risking not getting paid at all if they don’t win. For that reason, lawyers are generally very careful about getting lots of details about your case, as well as about the party who harmed you. After all, if the person who harmed you doesn’t have sufficient (or any) insurance or assets, it doesn’t matter if they can win the case because there will be no money to recover or to pay the lawyers or you in the end.

The law requires that contingency fees be reasonable and that they be in writing.  You should feel comfortable enough with the lawyer you hire to make sure that you understand the employment contract (“fee agreement”) you sign with them and that they answer any questions you have about it.

The contingency fee is a benefit to injured consumers. It enables them to afford a lawyer to represent them, and results in the lawyer and the client being partners in the case because it benefits both of them. They should truly be working as a team.

At Nelson Boyd, we believe in teamwork. Not just amongst ourselves, but also with you. We consider ourselves partners with you in your case– to achieve the very best result for your case. If you have been injured, please give us a call at (206) 971-7601 and let us see if we can help you


Safe Swimming Tips

Posted on Sunday, July 19th, 2020 at 6:00 am    

Every summer, we read heartbreaking stories about people who die while swimming. Don’t let this happen to you or your loved ones. Here are some important swimming safety tips:

  1. Whenever possible swim in designated areas supervised by lifeguards
  2. NEVER swim alone!
  3. Never leave a young child unattended near water and do not trust a child’s life to another child; teach children to always ask permission to go near water
  4. The American Red Cross reminds us to have young children or inexperienced swimmers wear U.S. Coast Guard-approved life jackets around water, but do not rely on life jackets alone.
  5. Never swim if the conditions are bad (too dark, water too rough, strong current)
  6. Watch out for distances – they look so much shorter on the water.  What looks like a short swim might actually be a long one.  Don’t swim further than you are able.
  7. Watch out for currents – rivers are especially dangerous and you should be very cautious about swimming in them
  8. Don’t swim where people are boating
  9. Use a swim body flotation device too so people can see you!
  10. NEVER dive into water if you can’t see the bottom or don’t know how deep it is
  11. Never swim if you’ve been drinking – it lessens your abilities and judgment
  12. If you aren’t a strong swimmer, take some lessons at your local YMCA or visit the American Red Cross website to find swim lessons near you !

For more helpful information on water safety visit the American Red Cross.

 


Top 8 Things NOT to Do If You’ve Been in a Car Wreck

Posted on Wednesday, July 1st, 2020 at 11:09 pm    

1. Agree not to call the Police and just handle it yourselves. 

It is important to call the Police so that you have a police report and independent verification that the wreck occurred.  You also need to exchange insurance and contact information with the other driver.  If the other driver promises to pay for the repairs to your car in exchange for you not calling the police or reporting it to their insurance company, chances are, you will never hear from the other driver again and you will have no recourse to force that person to pay for the repairs.  If the police refuse to come to the scene of the collision, at the very least, get the insurance and contact information from the other driver including their insurance agent’s name and phone number and policy number.

2. Admit fault. 

Do not, under any circumstances, admit fault or say anything like “I’m sorry, it is all my fault.” “Fault” is a legal conclusion and you are not qualified to determine whether it is or is not your fault.  That is a matter for the insurance companies and, if necessary, lawyers and the legal system, to determine.  If you make an admission of fault at the scene of the wreck, or even later to an insurance company adjuster, you may be harming your legal rights.

3. Say you aren’t injured. 

Quite often, at the scene of a wreck, most people are too shaken up to know if they have been injured or to know exactly what parts of their bodies have been injured.  It is only later, after their bodies have had a chance to rest, that the full effect of the collision and any injuries begin to manifest themselves.  If you tell the police or the other driver that you aren’t injured, and then you discover later that you are injured, it is very likely that the insurance companies (and later a jury) will not believe you and may think that you are lying.  It is better not to say anything and just wait to see how your body is feeling in the hours and days after the collision and to get a thorough exam from your family doctor to see if you have been injured.

4. Fail to take photos of the damage to the cars. 

The scene of the wreck is your one chance to take pictures of the other driver’s car. If your car is towed from the scene, it may be the only chance for you to photograph your car.  If the other driver gives you fraudulent information and you don’t take a photo of their license plate, chances are that you will never find them again.  Make sure to take as many photos from as many angles as possible and download them onto your computer for safekeeping in case something happens to your cell phone.

5. Talk to the other driver’s insurance company. 

Regardless of what the other driver’s insurance company tells you, you have NO obligation to talk to them and it will only hurt your case if you do.  If you talk to them, they will want to take a statement from you.  That statement will become a permanent part of your file and WILL hurt your case, even if you hire a lawyer later.  Insurance companies are smarter than you.  There isn’t anything you can do that they haven’t already thought of and you don’t have the ability to effectively advocate for yourself.

6. Fail to promptly seek medical treatment. 

If you are injured, you need to see your family doctor promptly and follow your doctor’s treatment plan. If you wait to seek treatment or don’t follow your doctor’s advice and have gaps in treatment, the insurance company and the jury will conclude that you weren’t injured at all and that you are making a fraudulent claim.

7. Post about the wreck on Facebook. 

Anything you say and do on Facebook can and will be held against you. Insurance companies and their lawyers look on Facebook for people who have been in wrecks to see if they are posting about their wrecks and to see what they have posted in the past.  If you post something there, they will know about it.  Even if you think your page is “locked down” and your privacy filters are secure, they can subpoena your account and make Facebook or you turn over your account and see what you posted.  They can find the posts where you joked about getting a lot of money because you were in a wreck, or where you posted photos about bungee jumping just a few weeks after being in a wreck, or where you listed that your motto is “I can’t drive 55.”  Be smart and don’t post anything at all that could harm your case!

8. Wait a long time before hiring an attorney. 

The sooner you hire an attorney, the better. We can keep you from making these mistakes and more.  Too often, people with legitimate claims lose their ability to obtain fair compensation because they wait too long to get an attorney.  Don’t let this happen to you.  Call Nelson Boyd at (206) 971-7601 today.  We have nearly 50 years of experience representing people who have been injured, fighting insurance companies, and obtaining justice for our clients.  We understand what you are going through and we can help you.

 


Top 8 Things to Do if You are in a Car Wreck

Posted on Tuesday, June 30th, 2020 at 10:59 pm    

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1. Call the Police.

It is important to have the police prepare a report, document the scene, issue citations, and collect evidence.  If you are injured, be sure to tell the police.  If you are unsure whether you are injured, do NOT tell the police that you are uninjured since injuries often may not be apparent until several hours, or even days, after the wreck.

2. Get the other driver’s insurance information.

Get the name of the insurance company, the name and phone number of the agent, the policy number, and the dates when the insurance coverage is in effect.  Do NOT call the other driver’s insurance company before you talk to a lawyer!

3. Take photos of the damage to the cars.

Take as many photos as possible on your cell phone, from several angles. Be sure to take a photo of the other driver’s license plate!  Take photos of the damage to your car too, this is especially important if your car is being towed away.  Download these photos to your computer as soon as possible for safe keeping, in case something happens to your phone.

4. Get the complete contact information for all witnesses.

Get their complete names, home addresses, email addresses, work, home, and cell phone numbers. Get their business cards, if possible.  Do NOT rely on the police to get this information for you or rely on the witnesses to contact you later with this information.  It is also helpful to find out what each witness saw or where they were and make a note of that.

5. Write down as much detail as possible about how the wreck happened.

While you are at the scene waiting for the police to arrive, or when you get home, write down as much as you remember about how the wreck occurred, and how you are feeling.

6. Call your insurance company.

Call YOUR insurance company and report that you were in a wreck.  Ask them if you have Personal Injury Protection (PIP) insurance.  If the other driver did not have insurance, ask if you have “uninsured motorist” coverage.  If they want to take your statement, tell them that you would like to wait a few days, until you are feeling better.  Be sure to talk to a lawyer before you give a statement.  DO NOT UNDER ANY CIRCUMSTANCES talk to the insurance company for the other driver.  Regardless of what they tell you, you have NO obligation to talk to them and it will only hurt your case if you do.

7. See your family doctor as soon as possible.

If you are seriously hurt, go to the emergency room via ambulance. If you are not seriously hurt, go to your family doctor within 24 hours, 48 hours at the very latest. It is important to have your doctor examine you thoroughly to check you for injuries. A chiropractor, physical therapist, or massage therapist is not a good substitute for an M.D. for purposes of determining whether you are injured or for documenting your injuries for purposes of your case.

8. Call Nelson Boyd at (206) 971-7601.

We have over 65 years of legal experience representing people who have been injured, fighting insurance companies, and obtaining justice for our clients. We understand what you are going through and we can help you.


Fact or Fiction: I Don’t Need Health Insurance

Posted on Friday, June 12th, 2020 at 6:00 am    

For some reason, many people feel threatened, anxious, and angry when the topic of health insurance comes up.  They rail against “Obamacare,” the high cost of insurance premiums, and the complexities of obtaining health insurance coverage.  Some people refuse to buy health insurance, even though it is required by law, even though there are tax penalties if you fail to purchase it, and even though it is a good idea.

Leaving aside for the moment the political arguments surrounding health insurance, here are some practical reasons why failure to have health insurance may harm your personal injury case:

  •      If you are injured in an automobile crash and you don’t have Personal Injury Protection (“PIP”) insurance and don’t have health insurance, who will likely pay your medical bills while you recover?  Answer:  YOU!
  •      If you are injured on someone else’s property and don’t have health insurance, who will likely pay your medical bills while you recover?  Answer:  YOU!
  •      If you are injured as a result of an uninsured motorist while you are walking or riding your bike and you don’t have PIP insurance or health insurance, who will likely pay your medical bills while you recover?  Answer:  YOU!
  •      If you are injured as a result of a medical error and you don’t have health insurance, who will likely pay your medical bills while you recover?  Answer:  YOU!
  •      If you don’t have health or PIP insurance and cannot pay for medical treatment you need, what happens to your case?  Answer:  Your case resolves for MUCH less than you are entitled to because the overall value of your case is directly related to the amount of your medical bills.
  •      If you don’t have health or PIP insurance and cannot pay for the medical bills you already incurred, what happens?  Answer:  You get sent to collection and your credit gets ruined.

Note that these bad consequences will happen even if someone else is at fault for your injuries!  The person who is responsible for your injuries doesn’t have to pay for your medical treatment until the very end of the case, after you have already recovered from your injuries.

In addition, if you use PIP or health insurance to pay your medical bills, you will have to use some of the money we get you for your claim to repay that insurer, but we can often get a significant discount on what we pay back to that insurer.  Sometimes the discount is as much as 30%-40%.  Because the person who caused your injury has to pay you 100% of your medical bills at the end of the case and you only have to pay back 60%-70%, that extra money goes in YOUR pocket!

However, if you don’t have health insurance, then you will have to pay 100% of the medical bill and you will not realize any discount or cost savings at the end of the case.  In addition, if you incurred collection fees or interest, you may actually end up not being fully reimbursed.

Long story short, ALWAYS buy health insurance!!  If you are injured, it will protect you in ways you can’t even imagine.  And, since none of us can prevent every single injury or force other people to be more careful, you never know when you will need it.

If you’re in need of a lawyer, call Nelson Boyd at 206-971-7601.


8 Quick Bicycle Safety Tips for Motorists

Posted on Friday, June 5th, 2020 at 5:15 pm    

According to the National Highway Traffic Safety Administration, a total of 857 cyclists were killed in motor vehicle crashes in 2018.  All of these deaths were preventable.  Vehicles clearly have the advantage over cyclists in size, weight, speed and maneuverability.  Why then, do so many motorists fail to exercise caution and courtesy when encountering cyclists?  Sure, there are some bad apples out there, but the vast majority of cyclists are fine, law abiding people who are commuting to work, riding for exercise, training for charity rides and just out to enjoy the day.  More importantly, cyclists are fathers, friends, and daughters and there is always someone who is counting on them to return home safely.  Don’t cause a tragedy by failing to heed these important warning tips:

  1. Always be on the look out for cyclists.

    This is easier to remember in areas where cyclists are commonly known to ride.  However, you may encounter a bicycle virtually anywhere from a city street to a country road.


  2. Bicycles are entitled to ride in the lane of traffic. 

    Bicyclists are required by law to follow the same traffic laws as vehicles; however, they are also permitted to ride in the lane of travel.  This means that they may travel in the same lane as you – in front of you, even if they are travelling slower than you.  Most cyclists prefer to ride on the shoulder, however, road conditions sometimes make that impossible or extremely unsafe.  If there is a cyclist on the road in front of you, chances are that they will return to the shoulder as soon as it is safe to do so.  Just be patient.


  3. If you pass a cyclist, do so safely.

    If you insist on passing a cyclist, do it safely.  Get as far away from the cyclist as possible and leave plenty of distance in front of them before you return to your lane.  Wide mirrors or things hanging off your vehicle can make contact with a cyclist and cause serious injury or death, even if your car doesn’t hit them.  A good rule of thumb is to “give them three feet” (i.e. always leave at least three feet between the outside edge of your car and the bike you are passing).


  4. Don’t harass cyclists. 

    This may seem obvious, but I can’t count the times when I’ve been honked at, yelled at, cursed and threatened– just for riding my bike where I have a lawful right to ride. Sometimes, this even happened when I was training for a ride to raise money for charity – and was wearing my charity’s cycling jersey!  There is simply no reason whatsoever to initiate any type of road rage whether it is against another car driver or a cyclist.  There isn’t anywhere you need to be soon enough that justifies uncivil behavior.


  5. Pay attention to your surroundings.

    This rule applies, regardless of when and where you are driving. You have a legal duty “to see what is there to be seen,” which means you need to be looking!  Distractions such as texting, talking on the phone, eating, putting on makeup, reading and talking to people in your vehicle reduce the amount of attention you are paying to your surroundings and the approaching hazards.  “I didn’t see you” is never an excuse when you hit someone.


  6. Be careful when backing up or opening your car door. 

    Parking spaces and parking lots pose a hazard for everyone. Often, you are trying to find a parking space and fit your car into it while other people are walking around and pushing strollers or shopping carts.  Add to that a bicycle or two and it gets extremely stressful.  Before backing your car, look in the rear view mirror, side mirror and through your windows to see if cyclists are approaching.  Back up slowly so that they will have time to react if they approach after you have looked for them.  Before opening your car door after parallel parking, look to your left to see if cyclists are approaching on the road.  Opening your car door in front of a cyclist is a violation of the law.


  7. Look Left and Right before pulling out onto a road.

    Some drivers get so focused on pulling out onto a roadway, especially if the traffic is heavy, that they focus only on finding that one gap in traffic that they call pull into.  As a result, although they may look toward the direction of where they are turning, they fail to look the other direction.  There may be a cyclist, a pedestrian, or a person in a wheelchair approaching, but the motorist is so focused on finding a gap that they don’t see them.  As a result, many cyclists have been injured by cars pulling out into traffic, when they could have easily seen them, if only they had looked.


  8. Yield to cyclists – even if you don’t have to. 

    Sometimes, cars and cyclists approach intersections at nearly the same time, or cars approach a path where a cyclist is crossing a road.  If it is safe for you to do so, yield to the cyclist and let them cross.  Many cyclists wear special shoes that clip into their pedals.  This allows them to ride more efficiently, but also makes it more difficult for them to stop suddenly without falling.


Driving a vehicle is a huge responsibility and the consequences for failing to follow the law and use caution are enormous.  All motorists who have killed or injured cyclists wish it hadn’t happened.  However, once the harm is done, it cannot be reversed.  Don’t find yourself in this situation.  Use caution, exercise patience and be kind to cyclists.


What You Need to Know About Motorcycle Insurance Part 1

Posted on Thursday, April 2nd, 2020 at 11:09 am    

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The fact that you have “some” insurance doesn’t really mean anything. A lot of people don’t understand what insurance coverage they have, let alone what insurance coverage they should have, until it’s too late. Many insurance agents are unfamiliar with the special needs of bike owners, and some are too interested in getting your business by “saving you money” than by selling you a good policy. Most people feel pretty comfortable with their insurance. That is because most people have never had a significant claim. Your agent may be your friend – but your agent has nothing to do with your claim should you have a wreck. Insurance companies are split into two personalities: the “money in” part (your agent) and the “money out” part (the claims adjusting group). If you have anything other than a very minor claim, you will quickly find out that the “money in” door is a lot bigger and a lot friendlier than the “money out” door. The minute you have a substantial claim, most insurance companies treat you with all the respect they would treat an “outside” person who is making a claim: as a stranger, not as a trusted customer. What you don’t know will hurt you. I write this from the perspective of a lawyer that has represented many, many riders who have been in wrecks only to find out that their “full coverage” policy doesn’t begin to do what they need it to do. I have no financial interest in this advice – I’m not trying to sell you insurance. I am giving you real-world information to protect you against the ruin that will come to you if you are in a wreck and don’t have the kinds of insurance coverage and the amounts of insurance coverage that you need.

Click link below for the rest of article.

What You Need to Know About Motorcyle Insurance


Underinsured Motorist Insurance (UIM)

Posted on Saturday, March 7th, 2020 at 4:09 pm    

Do you know how much liability insurance the State of Washington requires drivers to carry?  $25,000.

That’s right, only $25,000.  In some states, the limits are even lower.  That might initially seem like a lot of money, but here is how it works – if a negligent driver injures you and they have only the minimum amount of liability insurance required, their insurance company can only pay you a maximum of $25,000, regardless of how badly you were injured or how badly the other driver behaved.  For example, if you are injured by a drunk driver and need to have surgery, their insurance company will only pay you $25,000, regardless of the amount of your medical bills, regardless of how long you are unable to work, and regardless of whether you will ever fully recover.  If the other driver doesn’t have a job, a home (with equity), or other assets, you won’t be able to get anything else.  After all, “you can’t get blood out of a turnip.”

Since you can’t force other people to drive better or buy more insurance, how can you protect yourself?  The answer is simple – purchase Underinsured/Uninsured Motorist (UIM) insurance.  This insurance steps in and provides additional insurance to you if the person who causes your injuries has no insurance or not enough insurance.  UIM insurance will also protect you if you are injured while you are a passenger in someone else’s car or if you are a pedestrian.  It will even protect you if you are hit by a car while you are riding your bicycle!

UIM insurance is affordable and easy to buy – and your insurance rates should not go up if you need to use it.  There are several different levels of coverage you can buy.  The amounts start as low as $25,000 and go as high as $1 million.  We believe that you should purchase $250,000 worth of UIM coverage.  If you cannot afford this much insurance, please do not buy anything less than $100,000 of UIM coverage.  This coverage is used to compensate you for all of your injuries and losses.  This means that it covers your medical expenses (both the ones you’ve already incurred and the ones you may need in the future), your wage loss, and your “pain and suffering.”  These losses can add up quickly, especially if you are badly injured.

We have seen too many people who were injured through absolutely no fault of their own, but who were unable to be fairly compensated because the person who injured them didn’t have enough insurance coverage and they didn’t purchase any/enough UIM insurance.

Please, protect yourself and your family by purchasing UIM insurance.   It is one of the most important things you can do.  

The attorneys at Nelson Boyd have over 50 years of combined legal experience in representing injured people and fighting insurance companies.  If you have been injured, if you have an insurance claim, or if you just have questions about insurance coverage, please contact us at (206) 971-7601Nelson Boyd – We Care.  We Can Help.  www.nelsonboydlaw.com