Sette Law

Sette Law is a personal injury law firm located in Sacramento, California. For more than 26 years, attorney Frederick J. Sette and his dedicated team has been helping those injured due to the fault of others receive the compensation they deserve.

When people get injured in an accident, whether a car accident, a big rig accident, motorcycle accident, dog bite injury, pedestrian accident, slip and fall, bicycle accident or electric scooter accident, oftentimes they have questions about the process of a personal injury claims and wonder if they need to hire an attorney. Here are some of the questions that one may have and answers to those questions (click the question to get the detailed answer):

Medical bills: as part of your personal injury recovery, in part you are entitled to receive compensation in the amount of your medical bills. The law says that, plain and simple. However, nothing is plain and simple when dealing with the insurance companies in negotiating your personal injury compensation. When they do make an offer they base it on "accepted" medical bills. What does this mean? This means that the insurance company makes their own decision as to what the amount of the bills should be. They submit the billings to a company like Benchmark, who goes through the billing and gives the insurance company some low-ball number as to what the "appropriate" amount of the bills should be for the services rendered in relation to the personal injury. Thus, if you have an emergency room bill for $8,000.00, the insurance company will claim the bill should only be $4,000.00 and make that their offer. What this doesn't account for is the fact the bill in your mailbox from the hospital is still in the amount of $8,000.00. The insurance company doesn't attempt to establish and agreement with the hospital to accept $4,000.00. They don't negotiate on your behalf. They just unilaterally decide what the hospital should have billed and offer you that amount. This is done on almost every single bill; radiology, physical therapy, chiropractic, ambulance, etc.

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