FAQ: Why choose Chain | Cohn | Stiles over other in-town, or out-of-town attorneys?

March 21, 2018 | 10:03 am


Like many big decisions, choosing a lawyer to help you with your accident, injury or workers’ compensation case can be a difficult one. For one, there are many to choose from — not only locally but throughout the state.

Sometimes, there are misconceptions and myths associated with which lawyers are the best, and the reasons why. One myth includes out-of-town lawyers being better than local attorneys.

To discuss this issue, Chain | Cohn | Stiles attorney Matt Clark has recorded a short video focusing on this myth and answering the question, “Why choose Chain | Cohn | Stiles over other in-town, or out-of-town attorneys?”

You can learn more about this topic below. And if you have other questions related to a personal injury, accident or workers’ compensation legal issues, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.

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We hear many times from clients who have hired lawyers who they believed were based locally, but were not. Later, they contact our office because they never got to talk to that lawyer, never met them, or were dragging the case along, and they want to hire us to take over their case. Many instances we’ll get involved and end up fixing and resolving their case. But there are other instances where the out-of-town lawyer has done things incorrectly on the case, made the case more difficult, or made mistakes where we cannot get involved because those mistakes cannot be corrected.

There is this misconception that if you have a case in Bakersfield, you need an out-of-town lawyer because:

1) Lawyers are in the pockets of in-town legal officials and will not fairly represent you and your case, or;

2) Out-of-town lawyers are better because they are in a bigger city and are better equipment to handle the case.

It’s important for you to know neither is true. Our firm has handled many cases against local agencies and entities time and time again, including police departments and corporations. Because we are here in Kern County, and have been for nearly 85 years, we actually have the upper hand over out-of-town law firms because we are familiar with the people involved in our local systems. We’ve had cases against them before, tried cases against them, taken depositions with them before, and that gives us an advantage.

The other thing we hear is that someone goes out and hires a lawyer, and they never get to hear from them. In our opinion, that’s a terrible way to practice law, which is why we make it a point at Chain | Cohn | Stiles to have our lawyers meet with, and speak to, our clients in person. In fact, on the first occasion you meet with us, you will be meeting with your lawyer. If later you have questions of concerns, or want updates on your case, you get to speak with your lawyer. We’ll be by your side every step of the way.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

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FAQ: How long does a personal injury or workers’ compensation case take to finish?

February 7, 2018 | 9:37 am


For many people who come to see Chain | Cohn | Stiles, it is their first time ever hiring an attorney. The legal process is simply foreign for them.

And for this reason, many are surprised to learn how long it takes for a personal injury or workers’ compensation case to resolve from start to finish.

To discuss this issue, Chain | Cohn | Stiles attorney Matt Clark has recorded a short video focusing on the length of an average case, and why they typically take as long as they do to resolve.

You can learn more about this topic, and learn the answer, below. And if you have other questions related to a personal injury, accident or workers’ compensation legal issue, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.

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One of the questions we get asked almost every time by new clients is how long will this case take to finish? In my years of experience, other lawyers don’t do a good job of explaining the legal process in injury claim. I’ll address it here. On average, a personal injury claim takes somewhere between 12 to 24 months to resolve. That being said, some are resolved quicker and some take more than 2 years. But average, cases take between 1 to 2 years.

You might ask why? Let me address that. From the day we meet with clients, there may be instances where we file a lawsuit right away, and others not right away. In Kern County, which has an efficient legal system, it takes 12 to 18 months to get a trial date. And that date is the light at the end of your tunnel for your case. During those 12-18 months, a lot of things can happen. We go through a process called “discovery,” where we exchange information. That seems simple, but it’s actually a lengthy process where we requests documents, interrogatories, admissions, subpoenas and take depositions, which is a statement by witnesses and you under oath. The exchange of all the information takes many months. It’s also important to note, the filing of a lawsuit doesn’t always mean it will end in a trial. We do handle every case as if it’s going to trial. It ensures that we are prepared for trial, and makes certain that defense attorneys know we are ready. And that goes a long way to settle your case for the highest amount, or toward a successful verdict.

We make it our goal at Chain | Cohn | Stiles to ensure that your case is handled as quickly and efficiently as possible. All we do is handle injury and accident cases. Whether minor or severe injuries are suffered, your circumstance can be life-changing. It’s important to be able to move on with your life as quickly as possible. So we’ll do everything we can to make sure your case is resolved, so you can move on with your life, and without delay.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

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Why you should get uninsured / underinsured motorist insurance coverage

December 20, 2017 | 9:15 am


Do you have enough auto insurance coverage to protect you or a loved one in the case of an accident? That’s one of the most important questions you should consider before getting behind the wheel.

At the same time, you should consider the following:

  • Do you know what California’s minimum for auto insurance coverage?
  • Do you have uninsured or underinsured motorist insurance coverage?
  • And did you know that the California minimum — which is $15,000/$30,000 coverage — will cover an ambulance ride and little else?

To dive deeper into these questions, Chain | Cohn | Stiles, with the help of attorney and senior partner Matt Clark, has recorded a short video on the topic of auto insurance coverage.

Below, Clark answers the big question, “Why should I get uninsured / underinsured motorist insurance coverage?” In short, obtaining this coverage will help protect you and your family in the case of an motor vehicle accident.

Learn more by watching the video on chainlaw.com, or read more below. And if you have other questions related to an injury or accident, visit Chain | Cohn | Stiles’ Frequently Asked Questions page.

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By California law, you’re required to purchase at minimum a $15,000/$30,000 coverage. So what exactly does that mean?

If you’re in an accident and it’s your fault, your insurance will pay up so much to those involved in that accident. That small coverage satisfies the coverage for auto insurance. People are always surprised to learn, after learning more about the law, that California requires so little insurance because that $15,000 will cover an ambulance ride to the hospital and little else.

So how do you protect yourself when there are people driving around with this limited coverage, or none at all? You can purchase uninsured / underinsured motorist insurance coverage.

How do these coverage work? You have to purchase this as part of your policy; however, insurance companies will not give you higher coverage than your auto insurance coverage. For example, if you have $100,000 in coverage, you can purchase up to 100,000 in uninsured / underinsured motorist insurance. But a lot of companies won’t tell you this. You typically have to sign a waiver to drop down your limits. Be very careful when you purchase auto insurance, and be sure it matches your liability limits. Don’t let the insurance companies sell you something less.

Once you have the coverage, if you’re in an accident and that person is at fault, uninsured / underinsured motorist insurance coverage will come in and pay. It covers you, but also blood relatives in your household and other passengers. For example, if your son is a passenger in his friend’s car, and they are involved in an accident, your uninsured / underinsured motorist insurance coverage will cover your son. Also, if you’re hit by a vehicle while walking in a parking lot, or hit by a vehicle while riding a bicycle, your uninsured / underinsured motorist insurance coverage will cover you.

If you have a $100,000 policy and the other driver at fault has only a $15,000 policy, you can collect that $15,000 and another $80,000 from your own policy for a total of $100,000, if your claim is worth that much. So this covers you if the driver at fault has little or no insurance.

This is the one of the most important coverages to protect you and your family. Far too often, people come to Chain | Cohn | Stiles with horrible injuries, and the driver at fault has little or no insurance, while they have limited coverage as well. Our sometimes attorneys have the sad task of telling people there is not much our lawyers can do to help because of limited or no insurance coverage. It’s not fair or just, but it’s reality.

This is a complicated issue. We advise you if you believe you have an injury or accident claim, call Chain | Cohn | Stiles. Meet with the lawyers and staff to learn the important steps to take.

And contact your insurance agent to learn more about uninsured / underinsured motorist insurance coverage options available to you.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

Frequently Asked Question: How do I know if I have a case?

November 1, 2017 | 10:02 am


How do you know if you have a case? How does Chain | Cohn | Stiles compare to other law firms? And how long will your case take?

These are just some of the questions frequently asked by Kern County residents when it comes to hiring a personal injury or workers’ compensation lawyer or law firm. To help answer these questions, Chain | Cohn | Stiles, with the help of attorney and senior partner Matt Clark, put together several short videos on the topics.

Below, Clark answers the question, “How do you know if you have a case?” In short, Chain | Cohn | Stiles looks at four things when evaluating whether or not someone has a personal injury case: liability, causation, damages, and collectability.

Learn about all of these points by watching the video on chainlaw.com, or read all about it below.

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In the event of an injury or accident, for us to determine if you have a case, we need to know four things:

1) Liability. Is someone else at fault? If it’s a car accident, was there another driver at fault? If it’s an injury or accident on a property, did the owner fail in some way. If it’s an industrial, oilfield or work accident, did someone do something wrong. We call this liability.

2) Damages. Were you hurt? And if you were, how badly? Did you suffer from those injuries? We call these damages, and they include medical expenses that you incurred already, and are likely to incur in the future. Did you have loss of earnings? Did you miss work? You’re entitled to recover past and future losses. Did you have pain and suffering? We call these non-economic damages.

3) Causation. What we’re looking for is if you’re in an accident, and you have physical impairments, were those injuries suffered in the accident? Was the accident the cause of those injuries? Maybe you’ve had back injuries before, or even had a previous surgery. If those previous injuries are made worse because of an accident, that’s also causation.

4) Collectability. Can we get you any money for your damages? Typically, this comes from insurance or a corporate entity. There are times when we people see us in very bad accidents with unfortunate injuries, but because the person who is the cause of their injuries has no or little insurance, that person is what we call insolvent, and they can’t pay a claim. There is typically nothing we can do.

An injury and accident case can be a complication thing, and it’s important for a legal professional who has expertise to evaluate your potential case. That’s what we can do for you, for free. We can determine if you have a case. Call us or visit chainlaw.com today for a free consultation.

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If you or someone you know has a potential personal injury or workers’ compensation case, contact the lawyers for a free consultation at (661) 323-4000 or visit the website chainlaw.com.

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*NOTICE: Making a false or fraudulent Workers’ Compensation claim is a felony subject to up to 5 years in a prison or a fine of up to $150,000 or double the value of the fraud, whichever is greater, or by both imprisonment and fine.

Wondering if you’re eligible for Social Security Disability benefits? Find out here

April 21, 2014 | 2:07 pm


Have you stopped working because of a physical or mental health problem? Has the problem lasted for a year or more, or will it?

If you said “yes” to either question, Social Security Disability may be able to pay you and give you medical insurance.

So what is Social Security Disability? It’s a federal government program that provides assistance to people with disabilities. The process to apply can be long and confusing. Chain | Cohn | Stiles has developed a “fast facts” sheet to figure out if you may be eligible for Social Security Disability benefits. Slide through the pictures in this blog to read them and learn more.

The Bakersfield Social Security lawyers at CCS have also compiled a list of frequently asked questions and answers related to Social Security Disability.

Q: Why should I apply for benefits? 

A: Entitlement to Social Security Disability allows you to receive monthly disability benefit checks for you and, in some cases, your family. In most cases, you will also receive a large lump sum payment for back benefits owed to you. 

You can become eligible for Medicare after two years of entitlement to disability benefits.

Even if you are getting Workers’ Compensation and/or long-term disability (LTD) benefits, your total present income may increase and you may be entitled to hundreds or thousands of dollars in back benefits.

Even though many group LTD policies offset other disability benefits, most policies do not offset Social Security’s annual cost of living increases. In addition, some policies only offset your individual benefits and not your family’s, and many policies have a minimum benefit payment that is not offset.

Your Social Security payments may be tax free depending on your other income, whereas LTD benefits are often taxable.

Q: Who is eligible for Social Security Benefits?

A: If you have worked long enough at a job where you pay Social Security taxes and have become disabled, you are probably eligible for disability benefits.

Even if you’ve never worked or haven’t earned very much money at your jobs, you may be eligible to get Supplemental Security Income (SSI) payments, that are for low-income people with disabilities.

Q: What does “Disabled” mean?

A “Disability” can be physical, emotional, mental, or a combination. The condition has to be serious enough to keep you from working and earning enough money for at least one year.

Q: I can’t do the job I used to do – am I disabled?

A: The test isn’t whether you can go back to a job you’ve lost. The test is whether you are physically and emotionally capable of doing a job that is generally available in the everyday work place.

Q: I am too old and no one will hire me – can I get disability?

A: Not necessarily.  The test isn’t whether you’ve been able to find a job recently or the chance that someone would hire you. There are some special rules called the Medical-vocational Guidelines that can help older people qualify for disability more easily. A knowledgeable attorney can help you make sense of those rules.

Q: I have a disabling condition but I’m not seeing a doctor – can I get disability?

A: You must have a doctor say that you are disabled “by medically acceptable clinical and laboratory findings.” Unfortunately, many genuinely disabled people can’t get benefits because they aren’t getting the right kind of medical treatment.

Q: I have a disabling condition and my doctor says I should be getting disability – why did I get denied benefits?

A: Unfortunately, many genuinely disabling conditions are difficult to diagnose or prove. In cases like that, it is up to your legal representative to present your doctor’s reports properly, and to convince the government that you deserve your benefits.

 

For several more Frequently Asked Questions and answers, go HERE, or visit our specialized web site dedicated to Social Security Disability.

And if you have any questions related to Social Security Disability, please call CCS. The attorneys at CCS — including Erica Scott and James Yoro — offer a free in-person consultation to discuss eligibility and there is no charge to speak to us on the phone.