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Test your PI Knowledge Quiz
Dear Sir or Madam, please take a few minutes of your time to complete the following questionnaire.
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1
What is your name?
2
What is your job position?
3
List out 3 most crucial factors in assessing the viability of a Personal Injury (PI) claim.
4
A client was involved in a car accident and has not yet filed a claim. What is the FIRST step Lowe Law, PLLC should take?
Select one answer
Send a demand letter to the insurance company.
Gather all medical bills and records.
Ensure the client’s contract contains the at-fault party’s insurance information and send a Letter of Representation (LOR).
File a lawsuit against the at-fault party.
5
Who is the primary point of contact for a client during their injury case?
Select one
The attorney handling the case
The assistant case manager
The insurance adjuster
The medical provider
The case manager
6
Explain the difference between LOP & LOR.
7
How long does it typically take from signing the contract to receiving a settlement check?
Select one
6-8 months
2-4 months
10-12 months
Over a year
8
A client is required to pay upfront for legal services at Lowe Law, PLLC.
Select one answer
True
False
9
When should treatment ideally begin following an accident?
Select one answer
Within 1 month
Within 6-8 weeks
Within 2-3 weeks
As soon as litigation begins
10
What are the two separate claims made in a personal injury case, and how are they handled differently?
11
Clients must give a recorded statement to the at-fault party’s insurance adjuster before their case can proceed.
Select one answer
True
False
12
Once a client has returned their contract, what are the next steps to take before transferring the pre-litigation process begins?
13
What should a client do if an insurance adjuster asks them questions unrelated to property damage?
Select one answer
Answer them truthfully
Refer the adjuster to their assistant case manager or attorney
Ignore them
Record a statement immediately
14
What is the minimum policy limit for bodily injury liability coverage in Texas for one person?
Select one answer
$10,000
$25,000
$30,000
$50,000
15
What is the minimum policy limit for bodily injury liability coverage in Texas for one person?
Select one answer
$10,000
$25,000
$30,000
$50,000
16
Which of the following scenarios would most likely result in a delay in the personal injury case process?
Select one answer
The client completes treatment in 12 weeks and all records are gathered within 4 weeks.
The insurance company accepts liability within 2 days.
The client delays treatment for 6 weeks before starting.
The demand letter is sent promptly after all bills and records are collected.
17
If a client needs a rental car immediately but the at-fault party’s insurance has not yet accepted liability, what should they do?
Select all that apply
Wait until liability is accepted before getting a rental car
Pay for the rental car themselves with no chance of reimbursement
Contact their own insurance to arrange for a rental car if they have rental car coverage, as it won’t affect their monthly premiums
Demand that the at-fault party personally pay for their rental car
Attempt to set them up with clinics that have transportation or arrange private transportation for them
18
If a client delays treatment for several weeks after an accident, it will not affect their case value as long as they eventually receive medical care.
Select one answer
True
False
19
The settlement ledger should include
Select all that apply
Client Name
Client D.O.B
Settlement Amount
D.O.I
Case Expenses
Medical billing amount
Net to client
Attorney Fees
20
Why does Lowe Law, PLLC negotiate with medical providers?after a settlement?
Select one answer
To delay the payment of medical bills
To maximize the amount the client takes home after the settlement
Because providers automatically reduce bills when a case settles
To ensure providers receive their full billed amount
21
Which of the following scenarios best represents a third-party claim?
Select one answer
A driver files a claim with their own insurance after hitting a tree during a storm.
A driver files a claim with their own insurance for uninsured motorist coverage after being hit by a driver with no insurance.
A driver files a claim against the at-fault party’s insurance company after being rear-ended in an accident.
A driver files a claim under their collision coverage for damage to their own vehicle.
22
What is the key difference between a first-party claim and a third-party claim?
23
A client was hit by a driver who fled the scene and could not be identified. Which type of claim would they most likely file?
Select one answer
Third-party claim against the at-fault driver’s insurance
First-party claim under their uninsured motorist (UM) coverage
Third-party claim against the state’s accident compensation fund
First-party claim under their own liability coverage
24
A third-party insurance company is legally required to negotiate fairly, but they are not obligated to offer a settlement that fully compensates the injured party.
Select one answer
True
False
25
A client was driving through an intersection when another vehicle ran a red light and hit them. The at-fault driver has only $30,000 in bodily injury coverage, but the client has medical bills totaling $50,000. The client also has $50,000 in uninsured/underinsured motorist (UM/UIM) coverage under their own policy. Part 1: What type of claim should be filed first, and why?
26
A client was driving through an intersection when another vehicle ran a red light and hit them. The at-fault driver has only $30,000 in bodily injury coverage, but the client has medical bills totaling $50,000. The client also has $50,000 in uninsured/underinsured motorist (UM/UIM) coverage under their own policy. Part 2: If the third-party insurance offers only their $30,000 policy limits, what options does the client have to recover the remaining damages?
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