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Small Claims Filing: Pros and Cons of Going After
Compensation in Small Claims Court...
You'll enter a small claims filing if you just can’t seem to get your
settlement
money any other way.
If settlement
negotiations fail, and mediation or arbitration isn't an
option, then you may have
to take your case to small claims court.
It's hard to say whether or not a small claims filing is the right
option
for you. Every personal
injury case is different. Deciding if small
claims court is the right choice depends on many factors and what
you’re willing to sacrifice.
What's good about this type of court proceeding is that it’s easy for
anyone to handle. You don’t need a licensed personal
injury lawyer to argue
the case on your behalf.
You don’t need to know all the fancy court
protocols and you don’t have to impress a jury. The case goes before a
judge who understands that the cases
are brought by regular,
non-legal minded individuals.
It's also relatively quick to
get your case through small claims court. Once you enter a small claims
filing
you’ll have a hearing within a few weeks, or a couple of months at
most.
The time you spend before the judge can be as short as
ten minutes or, rarely, as long as half an hour.
All the
judge needs to hear are the facts of your case laid out
simply. They’ll
want to see both sides' evidence backing up their cases. Then there
will be a decision. It’s that simple. Also, unlike a full blown civil
case small claims cases are quite inexpensive to file.
But
small claims court has some drawbacks. The most restraining of these are
state imposed limits on monetary court awards. Some states
won't let you sue for
more than $1,500 in small claims court. Other states
will let you go as high as $15,000. (Check
your state's limit here.)
If your damages exceed the
state imposed limitations then taking your case to small claims court
might not be
worth
it.
Sometimes you'll want to file in small claims court just
to try to spook the adjuster into settling your case. The state
imposed limits can make that impossible if the numbers don’t add up.
If
the insurance adjuster is offering you a settlement that's nearly at
the small claims limit, then the threat of a small claims filing won’t
do much. They’ll
have no reason to increase their offer if they know a judge won’t be
able to force them to do it.
Return
from Small Claims Filing to How to File a
Lawsuit
Return
from Small Claims Filing to Personal
Injury Settlement Guide
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