Just because you’ve been in a motor vehicle accident doesn’t mean you have to take whatever the insurance company first offers you. In fact, just that situation is not in your best interest. You may feel vulnerable because the medical bills are mounting up, you’re hurt and the insurance company is offering some money right away. And, of course, you want to get on with your life and get the interruption of an auto wreck out of the way. But, don’t fall for the first offer of money. It’s likely a trap.

Soon after a car accident, and sometimes for months depending on the nature of the injuries, it’s impossible to know the full extent of your personal injuries or how long a full recovery will take. Insurance company adjusters are experienced and trained to take advantage of an injury victim’s need for money. Often they make a quick lowball settlement offer. Sometimes in your first or second conversation with them. Insurance adjusters hope you’re desperate and will snatch up anything rather than wait for the full picture to develop and demand what you really deserve.

Fast relatively small settlements may include an enticing offer to pay more on down the road, particularly in cases where fault is clearly on the other driver. This is a trap.


Once a settlement release is signed by you, it’s impossible to go back and ask for more money. That’s the case even if you later learn your injuries are more severe than first thought or your medical bills turn out to be more than anyone thought.

Tim Gilpin at Gilpin Law has been helping injury victims for over 34 years. That experience tells him that it can take months for a car or truck wreck victim to know the full nature of the required medical care or, maybe, if a surgery is needed. Even in simpler injury cases, it takes some time to know how much the medical bills will finally be. The first weeks or months after an auto accident or truck crash should be spent finding out the extent of the injury and getting the needed care. Diagnostic testing, including x-rays, MRI and CT scans, often are not ordered for weeks after a car wreck. Taking an insurance company’s first offer at the beginning often is a disaster for injury victims.

Agreeing to a quick low ball settlement can cost an injury victim thousands of dollars needed for medical care and lost income. Experienced and skilled motor vehicle accident attorneys, like Tim Gilpin of Gilpin Law, rely on years of handling just these cases, and reputable medical experts, to know the nature and extent of your injuries and estimate costs of future care. Tim Gilpin looks out for the best interests of his injury clients and ensures they get the settlement they deserve.

 Initial consultation is always free and any fee is dependent on a recovery.

Child wearing mask

Asbestos is a deadly carcinogen, no amount of exposure is safe. Asbestos causes cancer of the lung lining and other deadly diseases. Asbestos lung disease is called Mesothelioma, and it kills an average 15,000 people a year in America. Asbestos fibers are strong, resistant to heat and many chemicals, and don’t conduct electricity. Due to these qualities, asbestos was used as an insulating material for hundreds of years.

Inhaled asbestos fibers is a common way to be exposed. Although not as common today, asbestos was frequently used during the early part of the 20th century and, as a result, asbestos inhalation is still a risk. 

Preventing Asbestos Inhalation

Asbestos risks can be found everywhere, but you can protect yourself and your family from exposure. 

At Work:

Every employer should follow all OSHA regulations for hazardous materials. But take your own precautions and report unsafe working conditions.

  • Inquire at work about any asbestos-related health risks.
  • Wear protective gear when you may disturb asbestos.
  • Leave work clothes at work that may contain asbestos particles.
  • Dispose of asbestos materials according to all government regulations.

At Home:

Asbestos exposure occurs when homeowners do renovations that disturb it. If tackling home improvement projects, watch out for the following: 
Some of the in-home items that may contain asbestos are: attic insulation, shingles and tar, drywall and popcorn ceilings.

  • In older homes, don’t perform renovations where asbestos may be present.
  • Never remove asbestos yourself. Get a professional abatement specialist.
  • Exposure may occur when you attempt to tear out contaminated products, especially if you cut, saw, sand or drill them.

At School and Public Buildings

Schools built from 1950 to 1969, likely contain asbestos because it was a common construction material. Request to see your children’s school management plan. And, keep an eye out for asbestos-containing materials, including:

  • Damaged drywall or plaster
  • Deteriorated tiles, roofing or ceiling panels
  • Chipped paint
  • Old heating or A/C 
  • Run-down steam pipes or boiler insulation

For more information contact Gilpin law and look here.


The rising cost of health care has everyone on edge. One effect is that routine, small surgeries, that used to be done in a full service hospital are being done in ambulatory or same-day surgery centers. The number of ambulatory surgery centers (ASCs) in America has exploded, surpassing 5,600 today.

As surgeries in these centers has exploded, so has the risks of medical complications and malpractice. A new joint investigation by USA TODAY and Kaiser Health News sheds light on centers plagued by poor oversight, unqualified or ill-equipped staff, and a lack of accountability.
More than 260 patients have died since 2013 at surgery centers across America. At Kandis Endoscopy Center in Arkansas, two people died and one suffered brain damage after anesthesia complications. Medicare reporting qualifications aren’t strong either for these centers. Surgery centers are allowed great latitude regarding reporting what number of patients end up being transferred to a hospital. A hospital transfer indicates that a surgery center could not handle an issue that came up during a procedure. Even “ASC Quality Collaboration”, an organization run by the surgery center industry, asked Medicare to do better reporting, quarterly quality report.

And, many surgery centers are partially or fully owned by the doctors who work there. Therein lies a conflict of interest between a doctor-owner’s financial interests and a willingness to report mistakes.

You or a loved one may be referred to a surgery center. To reduce the chance of complications do the following:

  • Only go to accredited surgery centers. The Centers for Medicare and Medicaid provide a list of approved accrediting organizations. 
  • Talk to friends and family about their experiences they had at the surgery center.
  • Check to see if the facility and its surgeons regularly perform the procedure you need.
  • Due diligence means to look for online patient reviews beforehand.
  • Check and insure your surgery center is close to a hospital in case of emergency. 
Kids on a bicycle.

Have you noticed that everyone is stressed? The Coronavirus pandemic is putting stress on everyone and it’s showing up on our streets. Law enforcement is reporting a spike in speeding, often is excess of 100 mph. At the same time, lots of people are walking and biking to get out of the house and to exercise. Even with some drop in traffic, there is a spike of pedestrian fatalities, more car accidents and wreck less behavior on our roads. Just the other day, I saw two cars run Red Traffic Lights, at different intersections, right in front of me. If you get hurt on the roads get help right away. Many of our institutions, including America’s legal and medical systems, have been stressed due to the pandemic. But, getting into a car accident or being hit by a car, because someone isn’t paying proper attention, is an important event and you need to protect yourself and your rights. Call the police to the scene, make a report and get medical attention right away. Then call Gilpin Law to answer your questions and make sure your rights are protected.

Know that at Gilpin Law we work hard every day to ensure that the legal rights of our clients are not compromised. But we are concerned that people who may have been injured before or since the shutdown have decided to delay contacting an attorney. Doing so could make it difficult to investigate a case, secure evidence and file all necessary paperwork. With online case evaluation, live chat and other technologies, there is no need to wait OR compromise personal safety or your legal rights.

Tips for Drivers

  • Don’t block any crosswalks when stopped at a red light or waiting to make a turn.
  • Watch your speed – less traffic doesn’t make it any less dangerous to drive recklessly.
  • Take extra care to look out for pedestrians or cyclists, especially in residential areas.
  • Watch for unexpected street closures. Many cities are selectively closing roads to create more space for walkers and bikers.
  • When passing a bicyclist, proceed in the same direction slowly. And leave three feet between your car and the cyclist.
  • Watch for bike riders turning in front of you without looking or signaling. Young bicyclists especially have a tendency to do this.
  • Check side mirrors before opening your door when parked.

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