Secrets of Personal Injury Law

How to Handle Uninsured or Underinsured Motorist Claims in Texas

Episode Summary:
In this episode of Secrets of Personal Injury Law, host Abigail Vaca sits down with experienced personal injury attorney Colin Bober to discuss uninsured and underinsured motorist (UM/UIM) claims in Texas. Colin explains what UM/UIM coverage is, the steps to take after an accident with an uninsured driver, how Texas law handles these claims, and strategies for negotiating with insurance companies. Whether you’re a driver looking to protect yourself or someone navigating a claim, this episode is packed with expert insights.
Timestamps:
[00:00] Introduction to Secrets of Personal Injury Law and today’s topic[00:28] What is uninsured and underinsured motorist coverage?[02:03] Steps to take immediately after an accident with an uninsured/underinsured driver[03:06] How Texas law treats UM/UIM claims and how attorneys handle them[04:17] Compensation expectations for UM/UIM claims[05:14] Common challenges when dealing with insurance companies[06:10] Strategies for negotiating with your insurance provider[07:41] What to do if your insurance company denies or undervalues your claim[08:35] Final thoughts and closing
About the Show:
Secrets of Personal Injury Law with Colin Bober provides expert insights into personal injury cases, legal strategies, and practical advice for navigating the claims process. With over 4,000 clients and $50 million in settlements, Colin brings his extensive experience to help listeners understand their rights and maximize their claims.
 

The Art of the Deal: The Key to Winning Against Insurance Companies

Episode Summary:
In this episode of The Secrets of Personal Injury Law, host Kevin Rosenquist sits down with seasoned personal injury attorney Colin Bober to uncover The Art of the Deal—the key strategies for successfully negotiating with insurance companies. Colin, who has represented over 4,000 clients and secured settlements exceeding $50 million, shares insider knowledge on navigating the complexities of insurance claims, common tactics insurers use, and how to maximize settlement offers.
From understanding the mindset of insurance adjusters to the importance of proper documentation, Colin explains why personal injury cases are more than just transactions—they're about securing justice for the injured. He also breaks down why it's rarely a good idea to handle claims alone and how having legal representation can make all the difference.
If you've ever wondered how insurance companies operate behind the scenes or how to strengthen your case, this episode is a must-listen.
Timestamps:
[00:44] The Reality of Insurance Negotiations – Why insurance companies prioritize profits over people and how adjusters are limited by the authority given to them.[02:18] Who Really Has the Power? – How attorneys move negotiations from low-level adjusters to decision-makers with more authority. [02:32] The Importance of Documentation – Why police reports, medical records, pay stubs, and even personal journals are critical to proving a case. [05:05] Common Insurance Company Tactics – How insurers try to minimize payouts, from recorded statements to lowball settlement offers.[09:38] When to Push Back & When to Settle – Colin explains how he evaluates initial offers and decides whether to negotiate or take the case to court.[12:19] The Worst Insurance Companies to Deal With – Colin reveals why some insurers make it nearly impossible to settle and why lawsuits become the only option.[13:47] Breaking the Ambulance Chaser Stereotype – How personal injury attorneys fight for fairness, despite the industry's bad reputation.
About the Show:
The Secrets of Personal Injury Law with Colin Bober pulls back the curtain on the legal world of personal injury claims, insurance negotiations, and settlement strategies. Hosted by Kevin Rosenquist, this podcast features expert insights from Colin Bober, an attorney who has helped thousands of clients navigate the legal system to secure the compensation they deserve.
 

The Price of Recovery: Calculating Future Medical Expenses in Injury Cases

Episode Summary:
In this episode, personal injury attorney Colin Bober discusses how future medical expenses are calculated in injury cases. From short-term medical costs to long-term care projections, Colin explains the role of medical experts, life care plans, and legal battles involved in securing compensation for victims. He also shares insights on how negotiations with insurance companies unfold and how attorneys work to prove the need for ongoing medical treatment.
 
Timestamps:
00:00 – Introduction to the show and topic
00:37 – Recoverable short-term medical expenses after an accident
02:00 – Calculating long-term and future medical costs
03:25 – The importance of life care plans in determining future expenses
04:09 – Role of medical experts in proving necessary future treatments
05:55 – The negotiation process with insurance companies
07:12 – Understanding Maximum Medical Improvement (MMI)
08:29 – Why a structured medical treatment plan is important for claims
10:12 – Legal challenges in proving future medical expenses
12:07 – How long does it take for insurance companies to respond?
13:05 – Case study: Traumatic brain injury and long-term effects
14:33 – The complexities of traumatic brain injury (TBI) cases
15:14 – Closing thoughts and how to connect with Colin Bober
 
About the Show:
Welcome to Secrets of Personal Injury Law with Colin Bober, where we uncover the intricacies of personal injury cases to help victims navigate their legal rights. Hosted by Kevin Rosenquist, this podcast dives into legal strategies, real case studies, and expert insights to empower those seeking justice.

Maximizing Your Compensation: What Attorneys Do Behind the Scenes

Episode Summary:
In this episode of Secrets of Personal Injury Law, host Kevin Rosenquist sits down with personal injury attorney Colin Bober to uncover the strategies insurance companies use to minimize payouts—and how attorneys fight back to ensure fair compensation. Colin shares real-life examples, explains how critical evidence is gathered and preserved, and discusses why accident reconstruction experts can play a crucial role in maximizing settlements. If you've ever wondered why you shouldn't speak to an insurance company after an accident or what happens when a case goes to trial, this episode is packed with must-know insights.
 
Timestamps:🔹 00:00 – Welcome to Secrets of Personal Injury Law🔹 00:26 – Insurance company tactics to reduce payouts🔹 03:13 – How negotiation strategies can shift leverage🔹 04:13 – Preserving critical evidence after an accident🔹 05:04 – Investigating an accident for maximum compensation🔹 07:07 – Proving a driver was on their phone🔹 07:51 – The role of accident reconstruction experts🔹 10:09 – What happens if a case goes to trial?🔹 12:06 – Balancing quick settlements vs. full compensation🔹 14:10 – Why you shouldn’t talk to the insurance company after an accident
About the Show:
Secrets of Personal Injury Law with Colin Bober takes you behind the scenes of personal injury cases, breaking down legal complexities in an easy-to-understand way. Hosted by Kevin Rosenquist, this podcast is designed to educate and empower listeners who may be dealing with the aftermath of an accident. With over 4,000 cases handled and $50 million in settlements, Colin Bober brings expert insights into what it takes to win fair compensation.

Unpacking Negligence in Personal Injury Law

Episode Summary:
In this episode, Colin Bober and host Kevin Rosenquist take a deep dive into negligence—a fundamental concept in personal injury law. They explore what constitutes negligence, the four key elements required to prove it, and how it applies in various types of cases, from car accidents to medical malpractice. The conversation also covers the challenges of gathering evidence, the role of comparative negligence, and how insurance companies operate to minimize payouts.
Colin provides valuable insights into how injury victims can protect their rights, the importance of early evidence collection, and why getting legal representation quickly can make or break a case. If you’ve ever wondered what it takes to win a personal injury claim, this episode is a must-listen!
Timestamps:
[00:00] – Introduction to The Secrets of Personal Injury Law with Colin Bober
[00:37] – What is negligence? Breaking down its four essential elements
[01:55] – Common types of personal injury cases where negligence plays a role
[02:45] – Key evidence needed to support a negligence claim
[04:21] – The challenge of gathering witness statements and video evidence
[05:22] – Why getting legal representation early is crucial
[06:51] – Understanding comparative negligence and how fault percentages impact compensation
[08:56] – How severity of injury affects personal injury claims
[10:40] – The settlement process: how insurance companies assess claims
[12:14] – Limits on compensation: Are there caps on damages in Texas?
[13:49] – Challenges in proving negligence and overcoming insurance company tactics
[15:57] – The "chess game" of dealing with insurance companies
About the Show:
Welcome to The Secrets of Personal Injury Law with Colin Bober, where we break down the complexities of personal injury cases, legal strategies, and what you need to know if you've been injured. Hosted by legal expert Colin Bober, who has represented over 4,000 clients and secured over $50 million in settlements, this podcast offers expert insights into navigating personal injury claims.

Dealing with Insurance Companies: What you need to know

In this episode of "Secrets of Personal Injury Law," host Colin Bober dives deep into the complexities of understanding damages in personal injury cases. He breaks down the two main types of damages: economic and general. Economic damages are quantifiable, such as medical bills and lost wages, while general damages encompass more subjective experiences like pain, suffering, and emotional trauma. Colin explains the challenges in calculating general damages and how insurance carriers determine settlement amounts. This episode is an essential listen for anyone looking to grasp the nuances of personal injury claims and the importance of understanding what damages can be claimed. Tune in to learn how these factors play a crucial role in the resolution of personal injury cases.
Timestamps:
[00:01:04] Emotional trauma in personal injury.
[00:04:51] Documenting pain and suffering.
[00:08:21] Pain and suffering quantification.
[00:10:49] Damages in Texas personal injury.
[00:15:12] Emotional distress evidence in claims.
[00:16:29] First call settlements in insurance.
 
About the show
Join Colin Bober and the team at Bober Law Firm as they take you through the essential steps of navigating personal injury claims, protecting your rights, and understanding what goes into securing fair compensation. In each episode, Colin demystifies critical aspects of the personal injury process, providing listeners with invaluable insights to make informed decisions after an accident. Whether you're curious about the claim filing process, calculating damages, or handling insurance companies, this series breaks down the complexities and offers a roadmap to help victims advocate for their rights confidently.

Understanding Damages in Personal Injury Cases

In this episode of "Secrets of Personal Injury Law," host Colin Bober dives deep into the complexities of understanding damages in personal injury cases. He breaks down the two main types of damages: economic and general. Economic damages, such as medical bills and lost wages, are quantifiable, while general damages encompass more subjective experiences like pain, suffering, and emotional trauma. Colin explains the challenges in calculating general damages and how insurance carriers determine settlement amounts. This episode is an essential listen for anyone looking to grasp the nuances of personal injury claims and the importance of understanding what damages can be claimed. Tune in to learn how these factors are crucial in resolving personal injury cases.
 
Timestamps:
[00:01:04] Emotional trauma in personal injury.
[00:04:51] Documenting pain and suffering.
[00:08:21] Pain and suffering quantification.
[00:10:49] Damages in Texas personal injury.
[00:15:12] Emotional distress evidence in claims.
[00:16:29] First call settlements in insurance.
 
About the show
 
Join Colin Bober and the team at Bober Law Firm as they take you through the essential steps of navigating personal injury claims, protecting your rights, and understanding what goes into securing fair compensation. In each episode, Colin demystifies critical aspects of the personal injury process, providing listeners with invaluable insights to make informed decisions after an accident. Whether you're curious about the claim filing process, calculating damages, or handling insurance companies, this series breaks down the complexities and offers a roadmap to help victims advocate for their rights confidently.

Demystifying the Personal Injury Claim Process

In this episode of "Secrets of Personal Injury Law," host Kevin Rosenquist welcomes Colin Bober to discuss the crucial first steps to take immediately after being involved in an accident. Colin emphasizes the importance of contacting the police to create a record of the incident, as they gather information from both parties and document any injuries. He advises listeners to take pictures of the vehicles, license plates, and any relevant surroundings to aid in potential liability disputes. The episode highlights that while the police report may not always be accurate, gathering comprehensive information at the scene can significantly enhance the chances of a successful personal injury claim. Tune in for essential tips on navigating the aftermath of an accident effectively.
Timestamps
[00:01:30] Police involvement in accidents.
[00:03:10] Opening a claim after an accident.
[00:07:03] Recorded statements and insurance tactics.
[00:10:42] Establishing negligence in Texas.
[00:12:59] Insurance and litigation complexities.
[00:16:19] The necessity of hiring attorneys.
 
About the show
 
Join Colin Bober and the team at Bober Law Firm as they take you through the essential steps of navigating personal injury claims, protecting your rights, and understanding what goes into securing fair compensation. In each episode, Colin demystifies critical aspects of the personal injury process, providing listeners with invaluable insights to make informed decisions after an accident. Whether you're curious about the claim filing process, calculating damages, or handling insurance companies, this series breaks down the complexities and offers a roadmap to help victims advocate for their rights confidently.