Auto Accident

Three Questions to Ask Before Signing with the Insurance Company

by Cary Graham | October 17th, 2016

Every accident victim who is injured in Arkansas naturally has a number of questions about what their next steps should be. Where you go to obtain answers to those questions can have a profound impact on the outcome of your injury claim. As personal injury lawyers that offer free consultations to every Arkansas accident victim, we recommend calling a lawyer as soon as possible after your accident. However, we understand that some folks may be hesitant to get a lawyer involved and would rather see how things go with the insurance company first.

We would never advocate that you deal with the insurance company alone, but if you must, don’t sign anything until you’ve asked yourself three important questions:

  • Will the settlement offer from the insurance company be enough money to pay all my current and future medical expenses?
  • Will it fully compensate me for all the paychecks I’ve missed due to my injuries?
  • Does their offer take into account my pain and suffering or the strain put on my family?

If you can’t answer “yes” to all three of these questions, stop speaking with the insurance company immediately and give us a call. We’ll gladly evaluate the insurance company’s offer for free at absolutely no obligation to you. If we feel like it’s a sound offer, we’ll tell you. If not, we’ll be happy to take on your case to ensure you get maximum compensation for your injuries. Either way, it’s worth a call to find out.

Don’t try to go it alone after a serious accident. Call our experienced Arkansas car accident attorneys today for your free consultation.

Car Accidents: Reward vs. Regret

by Cary Graham | September 26th, 2016

Regret is a sad state to find yourself. We see it all the time in personal injury law. We get calls from accident victims who tried to handle their own injury claim without the help of a lawyer, ending up with a small insurance settlement just weeks after their accident. That money ran out long before the medical bills stopped coming in, leaving them in a serious financial dilemma. Unfortunately, there’s not a lot we can do for them at that point.

That’s why it’s so important that you take the time to speak with a lawyer before signing anything from the insurance company. At Rainwater, Holt & Sexton, we make it easy to consult with an attorney after an accident. All you have to do is give us a call and we’ll answer any questions you have at no cost or obligation to you.

If you’ve been injured in a car accident, one phone call may be the difference between reward and regret. Give our experienced Arkansas car accident attorneys a call for a free consultation. Our legal team has helped hundreds of folks in Arkansas in your same situation, and we’re standing by ready to help you as well. Contact us today.

Respect Can Lead to Big Wins for Injury Victims

by Cary Graham | September 6th, 2016

A large part of our responsibilities as personal injury lawyers is standing up to the insurance companies on behalf of our clients. When they refuse to pay our clients what they deserve for their injuries, we push back until they do. You might assume because we are constantly fighting for fair compensation that we would have an adversarial relationship with the insurance folks we deal with, but in fact, the opposite is true.

As in any profession, respect is king in personal injury law. Over the years, we’ve demanded respect from insurance companies for our firm and our clients, and in return we give them the same level of respect. That’s one of the reasons we’ve been so successful in securing maximum compensation for our clients. We’ve built relationships with the insurance companies that stand between our clients and fair compensation. They know we’re not going to take less than what our clients deserve, and that understanding often leads to a positive result.

If you’ve been injured in a car accident, get a firm on your side that knows how to get you maximum compensation for your injuries. Give our experienced Arkansas personal injury lawyers a call today for a free consultation.

The Realities of an Arkansas Car Accident

by Cary Graham | August 8th, 2016

If you think calling a lawyer is an option and not a necessity after a car accident, you might want to consider the following realities about car accidents in Arkansas. First of all, this accident is going to cost you. It’s a fact that if you’ve been injured and require medical treatment, the bills are coming to you. Without an attorney, it’s up to you to get the other driver’s insurance company to pay your current medical expenses and any future medical expenses as well.

Here’s the catch. You only get one shot to do so. After you sign a settlement agreement, the insurance company is off the hook for any future expenses. That means you have to negotiate not only your current medical expenses but also anticipate accurately what those future expenses will be as well. If you miscalculate, the bills are your responsibility.

Secondly, you’ll have to deal with the insurance company while you’re recovering from your accident. It’s within the insurance company’s best interests to settle as quickly as possible following your accident. Think you’ll be up for fighting that battle while dealing with hospital stays, doctor visits, and physical therapy? Probably not. An experienced lawyer fights those battles on your behalf, so you can concentrate on one thing: getting better.

If you’ve been injured in a car accident, it’s imperative that you consult with an attorney immediately. Give our experienced Arkansas car accident attorneys a call today for a free consultation. Going it alone could be detrimental to your claim, so call today.

Arkansas Bankruptcies Linked to Car Accidents

by Cary Graham | August 1st, 2016

In this blog, we talk a lot about fighting the insurance company for what you deserve after a serious car accident. On occasion, we also talk about your options in the form of bankruptcy when you and your family fall on hard times. Because they are usually in separate blog posts, it might be reasonable to assume that they are separate issues, but they are more related than you might think.

After a serious car accident, the main thing (other than your recovery) you should be concerned with is how much this accident is going to cost you. The number one expense for accident victims is medical bills. Those medical bills can add up quickly, and without an experienced Arkansas car accident attorney on your side, you might be left with the bills. The leading cause of bankruptcy in America today is unpaid medical bills. Getting the connection yet? Unfortunately, some of our bankruptcy clients wouldn’t be filing for bankruptcy at all if they had secured a lawyer to handle their personal injury claim.

Don’t let that happen to you.

If you’ve been injured in a car accident, give us a call immediately for a free consultation. Our experienced Arkansas car accident attorneys will fight to get you every dollar you deserve for your injury claim so that you never have to worry about whether or not you can pay your bills.

The Liability Insurance Company Does Not Have Your Best Interest at Heart

by Mike Rainwater | July 20th, 2016

Nobody likes a fender bender, let alone an accident involving serious injuries. But car wrecks happen all the time and the motor vehicle insurance insuring against the liability of the at-fault driver is supposed to pay for any damages to the vehicles as well as for any injuries to you.  The liability insurance company cannot be implicitly trusted to have your best interest at heart because of the following reasons.

Insurance companies are in business to earn a profit from the money they are paid in insurance premiums. Fundamentally, premiums are income and claims paid are expenses.  It is simple math; the smaller the expenses, the more the income.  Insurance companies are owned by shareholders who invest for the income.

Insurance companies want to hold onto their cash as long as possible and this is true regardless of who is to blame for the collision. Premiums are collected on the front end, but claims are paid on the back end.  In the middle, the premium income is invested. The longer the money is held before claim payment, the more investment income (interest and dividends) the insurance company makes.

Insurance companies make more money by paying less in claims. It’s just business to them. The goal is to pay you as little as is legal.  And, an insurance company will do whatever is “legal” to pay you as little as possible.

It is not illegal for an insurance company to wait until you have requested all the compensation to which you are entitled.

It is not illegal for an insurance company to wait until you have figured out the applicable law under which you are entitled to recover money from that insurance company.

It is not illegal for an insurance company to wait until you have presented proof of each and every element of damage you are seeking.

It is not illegal for an insurance company to pay you nothing at all until it gets every single element of the claim approved so that the whole claim can be settled and a release agreement is signed.

It is not illegal for an insurance company to NOT tell you about legal advantages that are due the claimant, such as “the made whole doctrine.”

It is not illegal for an insurance company to NOT tell you that certain medical liens and/or insurance subrogation liens are unenforceable.

It is not illegal for an insurance company to NOT tell you that you have the right to negotiate reductions in enforceable medical expenses and subrogation liens.

It is not illegal for an insurance company to NOT tell you that certain claim expenses are subject to payment by other insurance coverages at a lower rate than demanded by the service provider.

It is not illegal for an insurance to legally string you out so long that you are in a cash flow bind and have to accept less than you are actually entitled to receive.

It is not illegal for an insurance adjuster to NOT tell you something that is in your best interest or to tell you that his or her first duty is to the insurance company and not to you.

An insurance adjuster can be a “nice” person who has treated you in a “nice” manner but still not have a duty to tell you what is actually in your best interest.

An insurance has no affirmative duty to help you beyond receiving information and questions from you, and can simply choose to NOT lie but also NOT tell you what claim adjustment strategy is in your best interest.

Do not be tricked or trapped. The insurance company and the insurance adjuster are going to perform their legal duty – which is owed to the owners of the insurance company.

If you have been injured by the fault of another, the only way you will have an advocate on your side with an affirmative duty owed to you is to engage the services of an injury lawyer.

The ethical duty of an injury lawyer is to “represent [you] zealously within the bounds of the law.”

Things to do after a collision causing you to be injured by the fault of another:

1) Call Rainwater Holt Sexton.

We are Arkansas’ largest personal injury law firm.  We are dedicated to helping any person injured by the fault of another. We are zealous advocates for those wrongfully injured. We will work to get all the bills paid and maximize the money that goes into our client’s pocket.

2)    Do NOT trust the adjuster, subjectively.

The adjuster works for the insurance company. While he or she may seem like a nice person who wants to help, his or her ultimate loyalty is to ensure the insurance company pays you as little money as possible. Since the adjuster is NOT working for you, the insurance adjuster can actually be called as a witness to testify against you – telling a judge of the facts that you have told the adjuster.  Be very careful.  Words taken out of context can be misleading and not represent the whole truth.

3)    Assume all your communications with the insurance adjuster will be recorded.

Insurance companies often try to take recorded statements from the parties involved. If your statement is recorded, they may try to twist pieces of your statement against you. In general, other than reporting the accident to the insurance company on a timely basis, it is always best to work with an experienced personal injury lawyer and have the lawyer do the communicating with the insurance companies on your behalf.

4)    Don’t be afraid to tell the insurance company you will go to court

Actually, about 90% of all claims are settled by agreement with no lawsuit ever being filed.  While nobody wants stress of having to take a claim to court, it is advisable that you start out the claim process with the I-will-go-to-court-if-I-have-to mindset. This is a benefit of being represented by an experience personal injury lawyer. The insurance company will know up front that you will insist on a fair offer. Our firm represents injured persons on a contingent fee basis, which means that you will owe us nothing unless we recover money for you. The insurance industries own statistics tell us that the presence of an experienced injury lawyer can loosen the insurance company’s purse strings and make it more willing to settle for a reasonable amount.

If you’ve been injured by the fault of another, let Rainwater Holt & Sexton Injury Lawyers help you weather the storm!!

Why We Became Lawyers in the First Place

by Cary Graham | July 18th, 2016

If there’s one thing we can’t stand, it’s an unfair fight. That’s why many of us at Rainwater, Holt & Sexton became lawyers, because we knew that thousands of folks in Arkansas each year are thrust into a fight with an opponent that holds all the cards. Winning that fight on their own can be difficult, if not impossible. That opponent is the insurance company, and believe us when we say that they know how to win.

That’s why so many folks turn to us after a serious accident, because they know facing the insurance company alone can mean less money for their injuries, leaving their family in a financial crisis. Placing the experience of Rainwater, Holt & Sexton on their side evens up the fight. We stand up to big insurance everyday on behalf of our clients, and we’re prepared to do the same for you.

If you’ve been injured in a car accident, give us a call for your free, no obligation consultation. Our experienced Arkansas car accident attorneys will immediately begin investigating your case. Let us work to get it for you.

Fatigued Drivers Prosecuted in Arkansas

by Cary Graham | July 5th, 2016

Everybody knows the impact drunk driving can have on Arkansas families and communities. According to a recent study, alcohol consumption was a factor in more than 30% of all fatal car accidents. That’s thousands of deaths every single year. However, alcohol isn’t the only dangerous impairment for drivers. Fatigued driving-related crashes and deaths are on the rise, and if you get behind the wheel fatigued in Arkansas and cause an accident, you could be prosecuted for it.

Arkansas Senate Bill SB 874, proposed by Senator Jason Rapert, was put into law in 2013. It states that any driver in Arkansas who causes an accident and hasn’t slept in the last 24 hours will be prosecuted as impaired. At Rainwater, Holt & Sexton, we don’t venture into politics often, but we have witnessed the devastation impaired driving can cause. In this day and age, there are too many transportation alternatives available to justify ever getting behind the wheel impaired, and that’s why we hold those who do accountable for the injuries they cause others.

If you or someone you love has been injured by an impaired driver, give our Arkansas car accident attorneys a call immediately for a free consultation. We’ll fully investigate the at-fault driver to determine the cause of the accident and fight to get you maximum compensation for your injuries. The safety of our community is important to us, and we’re ready to protect it at all costs.

Distracted Driving Puts Arkansas Teens at Risk

by Cary Graham | June 13th, 2016

The current generation is easily the most electronically-connected ever. It seems like every teenager has a cell phone these days. Once used only for emergencies, cell phones have become a social lifeline for teens—one they won’t easily let go of, even while driving. Unfortunately, that infatuation with their phones could cost them their lives.

Every year, distracted driving kills thousands of people in the U.S. and leaves many more seriously injured. According to, more than 400,000 people were injured and more than 3,000 were killed in car accidents where distracted driving was a factor. Of course, distracted driving isn’t limited to cell phone use alone, but the vast majority are, which is why you should speak with your teenager about the dangers before they get behind the wheel.

Here are 3 tips for when you do have the conversation:

  1. Give them the facts. is a great resource for parents seeking facts about distracted driving. Do your research and share the facts with your teenager. For instance, five seconds is the average time your eyes are off the road when texting, which is the equivalent of driving the length of a football field blindfolded.
  2. Make it law. Telling your teenager not to text and drive isn’t the same as making it a requirement to keep their driving privileges. Make it simple for them. If they text and drive, they lose their car.
  3. Set a good example. Practice what you preach. If you forbid your teens to text and drive, you shouldn’t either…ever.

If you’re a parent of a teenager, Rainwater, Holt & Sexton encourages you to have a conversation about distracted driving with your teenager. It could save their life.

Our Awards Are More Than Trophies

by Cary Graham | May 24th, 2016

Most athletes growing up have a special shelf in their bedrooms reserved for trophies. Whether for little league baseball or high school track & field, these trophies serve as a lasting symbol of the commitment they made to the sports they love and the excellence at which they played them.

At Rainwater, Holt & Sexton, we have a similar shelf reserved for the accolades our firm has earned over the years. Take a look at our homepage when you get a chance. About halfway down, you’ll see little circular icons that represent the national legal organizations that have recognized our firm for its accomplishments. Organizations like the Multi-Million Dollar Advocates Forum—an organization that showcases the less than 1% of firms nationwide that have secured multi-million dollar verdicts for their clients. Or the Best Lawyers in America—the oldest and most respected peer review publication in the nation.

We showcase these accolades for one reason—to give you the confidence of knowing if you call our firm, we’ll do everything within our power to get you the best results in the least amount of time. We’re proud of our accomplishments and the reputation they have afforded us, but we’re not the type of firm to rest on our laurels…not while your case is yet to be won.

If you’ve been injured, give our Arkansas award-winning personal injury attorneys a call today. You deserve to have an experienced law firm on your side, and we’d be honored to represent you.

Click on the icons to learn more about the recognition we’ve received for our high-quality legal service.