South Sioux City Legal Blog

When you’re injured by a drunk driver, the physical trauma is often only the beginning. Medical appointments, hospital stays, and prescription medications can last for weeks, months, or even years. You may be unable to work. You may lose your vehicle. And the emotional toll—fear, anxiety, depression—can weigh heavily on you and your family. Unfortunately, many accident victims never receive the compensation they truly need to recover. Insurance companies are skilled at downplaying injuries, undervaluing claims, and pushing quick settlements. These early offers often only cover short-term costs—and leave victims with nothing for long-term consequences. That’s why it’s crucial to work with a personal injury attorney who understands how to fight for your full and fair compensation. At Fitch & Stahle Law Firm , we’ve helped countless clients throughout Iowa and Nebraska recover the financial support they deserve after being hit by drunk drivers. Here’s how having legal representation can make a difference: 1. Understanding the Full Value of Your Claim A serious injury isn’t just about your ER bill. A strong legal claim must account for: Follow-up medical care, physical therapy, and surgeries Future medical treatment or long-term care Mental health services for trauma, PTSD, or anxiety Lost wages and reduced ability to earn income Property damage and vehicle replacement Pain, suffering, and loss of enjoyment of life Without legal help, you may never even know you’re entitled to compensation for these elements—let alone how to calculate their true cost. Our attorneys work closely with doctors, financial experts, and accident specialists to build a comprehensive case that reflects the full scope of your losses. 2. Pursuing Punitive Damages In Iowa and Nebraska, courts may award punitive damages in drunk driving cases. Unlike compensatory damages (which are designed to cover your losses), punitive damages are intended to punish the offender for particularly reckless or egregious behavior and deter others from doing the same. These damages can significantly increase the value of your claim—but you need an experienced attorney to prove that the driver’s actions warrant them. We know how to present evidence of impairment, prior offenses, and other aggravating factors that strengthen your case. 3. Exploring Additional Sources of Compensation Sometimes, the drunk driver’s insurance policy won’t cover the full cost of your damages. In those cases, we explore: Your own underinsured/uninsured motorist coverage Dram shop liability (if a bar, restaurant, or event overserved the driver) Third-party liability (in rare cases, the driver’s employer or vehicle owner may also share responsibility)  Our team works to leave no stone unturned when identifying all potential sources of recovery. 4. Standing Up to the Insurance Companies Insurance adjusters are trained negotiators. Their job is to pay out as little as possible. Without a lawyer, they may take advantage of your lack of legal knowledge or pressure you into a fast settlement. With Fitch & Stahle in your corner, you don’t have to deal with their tactics. We handle all communication, submit all documentation, and push aggressively for the settlement you deserve. And if the insurance company won’t cooperate? We’re ready to take your case to court. If you or someone you love has been injured by a drunk driver in Iowa or Nebraska, don’t let the insurance company decide what your recovery is worth. Contact Fitch & Stahle Law Firm today for a free case evaluation. Let us help you move forward—with the compensation and justice you deserve.

Drunk driving accidents are among the most devastating types of crashes—and the most preventable. Every time someone chooses to drive under the influence of alcohol, they not only break the law, but they also endanger innocent lives. When you’re the victim of one of these reckless acts, the physical, emotional, and financial consequences can be overwhelming. Many accident victims assume that if the other driver was arrested for DUI, the case will resolve itself quickly and fairly. After all, if the police have proof that the driver was drunk, what else is there to fight about? The reality is far more complex. Even when intoxication is clear, recovering compensation is rarely straightforward. Insurance companies are primarily concerned with protecting their bottom line. They may admit the drunk driver was at fault but still dispute the amount of damages you’re owed. They may claim your injuries aren’t as severe as you say or argue that you had pre-existing conditions. In some cases, they may even try to shift partial blame to you. That’s why hiring an experienced drunk driving accident attorney is so critical. At Fitch & Stahle Law Firm , we represent clients throughout Iowa and Nebraska who have been harmed by drunk drivers. Our attorneys know how to build strong legal cases backed by evidence, expert testimony, and strategic negotiation. We don’t just take the word of the insurance company—we conduct our own investigations, obtain police and toxicology reports, interview witnesses, and, when necessary, work with accident reconstruction professionals to determine exactly what happened and who’s responsible. Beyond proving liability, our goal is to make sure every client receives the full amount of compensation they’re entitled to under the law. That includes not only current medical expenses and lost wages but also: Future medical care (surgeries, rehab, medications) Lost future earning capacity Pain and suffering Mental and emotional trauma Property damage Punitive damages when applicable In particularly egregious cases, we may also pursue compensation from third parties under Iowa or Nebraska’s dram shop liability laws . If a bar, restaurant, or even a private event served alcohol to someone who was visibly intoxicated or underage, that establishment could be held partially liable for the damages. Dealing with injuries, doctors, bills, and the trauma of the crash is hard enough. You shouldn’t also have to navigate legal paperwork, deadlines, and difficult insurance adjusters on your own. We provide personal, compassionate, and aggressive legal representation—so you can focus on healing while we focus on justice. Remember: The other driver’s arrest or conviction does not guarantee you fair compensation. Civil and criminal cases are separate, and only a personal injury claim will secure the financial support you need to recover and rebuild your life. If you or a loved one has been hit by a drunk driver in Sioux City or the surrounding areas of Iowa and Nebraska, don’t wait. Call Fitch & Stahle Law Firm today for a free consultation. We’ll help you hold the drunk driver—and their insurance company—fully accountable.

When most people think about car accident claims, they picture one driver suing another. But what happens when you’re the passenger? Whether you were riding with a friend, using a rideshare app, or simply carpooling to work, passengers have the same right to compensation as drivers—sometimes more. At Fitch & Stahle Law Firm , we regularly help injured passengers across Iowa and Nebraska secure the compensation they deserve. In this blog, we’ll explain how liability works for passenger injuries, what your options are, and how to protect your rights after a crash. 1. Passengers Are Almost Never at Fault The most important thing to know is this: as a passenger, you are rarely found at fault for a car accident. This puts you in a strong position when it comes to filing an injury claim. Whether the driver of your vehicle caused the accident or another vehicle was involved, you may be able to recover damages from one or both parties’ insurance providers. This means you can typically file a claim with: The driver of the vehicle you were in The driver of the other vehicle (if they were at fault) Both insurance policies, if fault is shared In states like Iowa and Nebraska , where comparative fault laws apply, passengers are almost always entitled to compensation unless they did something to contribute to the crash (e.g., physically interfering with the driver). 2. Who Pays for Your Injuries? Understanding Liability Liability depends on who caused the crash and what kind of insurance coverage is available. Here are the most common scenarios: • If the driver of your vehicle was at fault: You can file a third-party claim against their auto insurance policy. Even if they’re a friend or relative, you have a legal right to compensation for your medical expenses, lost wages, and pain and suffering. • If another driver was at fault: You can file a claim against the at-fault driver’s liability coverage. This is common in multi-vehicle accidents, where the other driver rear-ended or struck your vehicle due to negligence. • If both drivers share fault: You may be able to file claims against both drivers’ insurance policies and recover partial compensation from each, depending on the percentage of fault assigned to each driver. 3. What If You Were Riding in a Rideshare (Uber or Lyft)? If you were a passenger in an Uber or Lyft when the crash occurred, your claim may be covered by the rideshare company’s insurance, depending on when and how the accident happened. If the driver was transporting a passenger (you), rideshare companies typically carry $1 million in liability coverage . If the driver was waiting for a ride request or in transit without a passenger, a lower coverage limit applies. You can also potentially file a claim with the driver’s personal insurance policy. These cases can be complex, so having an experienced attorney is crucial for navigating rideshare claims. 4. What Damages Can You Recover as an Injured Passenger? As an injured passenger, you are entitled to the same types of damages as any other injured party. Depending on the severity of your injuries, you may be eligible to recover compensation for: Medical bills (ER visits, surgery, rehab, prescriptions) Lost wages (if you miss work during recovery) Loss of future earning capacity (if you can’t return to work) Pain and suffering Emotional distress Permanent disability or disfigurement The value of your claim will depend on the evidence of your injuries, how the crash occurred, and how it has affected your daily life. 5. What If You’re Related to the Driver? In some cases, your ability to file a claim may be limited if you are related to the at-fault driver and live in the same household. This is due to what's known as a "household exclusion" clause in many insurance policies. However, exceptions apply—particularly if: The policy does not include this clause You’re not a resident of the same household Additional liability coverage is available It’s essential to have an attorney review the insurance policies involved to understand your options. 6. What About Insurance Limits in Iowa and Nebraska? Both states require drivers to carry liability insurance: Iowa minimum coverage : $20,000 for injury or death of one person $40,000 for injury or death of two or more people $15,000 for property damage Nebraska minimum coverage : $25,000 for injury or death of one person $50,000 for injury or death of two or more people $25,000 for property damage These minimums can be exhausted quickly in a serious crash. If the liable driver’s insurance is insufficient, you may be able to pursue compensation through underinsured motorist coverage (UIM) —either through your own policy or one that covers the vehicle you were riding in. 7. Why You Shouldn’t Wait to File a Claim Each state has a statute of limitations for personal injury claims: Iowa: 2 years from the date of the accident Nebraska: 4 years from the date of the accident However, waiting too long can hurt your case. Evidence can disappear, witness memories fade, and insurance negotiations become harder. It’s in your best interest to speak with an attorney as soon as possible to start building your case. 8. How Fitch & Stahle Law Firm Can Help Injured Passengers At Fitch & Stahle , we’ve helped hundreds of clients across Iowa and Nebraska get the compensation they deserve—many of whom were passengers caught in crashes through no fault of their own. Our team will: Investigate the cause of the crash Determine all available insurance policies Communicate with insurers so you don’t have to Build a strong case backed by evidence Negotiate for a fair settlement—or take your case to court if needed We work on a contingency fee basis, so you pay nothing unless we win. Final Thoughts: Protect Your Rights as a Passenger Being in the wrong place at the wrong time shouldn’t cost you your health, your job, or your financial future. If you’ve been injured as a passenger in a car accident—whether in Iowa, Nebraska, or anywhere in the Siouxland area—you have legal rights and options for recovery. Don’t wait. Let the experienced legal team at Fitch & Stahle Law Firm help you understand your rights and pursue full compensation for your injuries.

Car accidents are unfortunately common across Iowa and Nebraska, from bustling cities like Omaha and Sioux City to quiet rural highways. While every crash is different, most accidents share a few root causes—and identifying the cause is key to determining who is legally responsible. If you or a loved one has been injured in a car accident, understanding liability is crucial. At Fitch & Stahle Law Firm , we help victims across Iowa and Nebraska pursue compensation for injuries caused by someone else’s negligence. In this blog, we break down the most common causes of crashes in the region and explain how liability is determined under state law. 1. Distracted Driving Distracted driving continues to be one of the leading causes of car accidents across the country—and Iowa and Nebraska are no exception. Whether it’s texting, checking GPS, eating, or adjusting the radio, any activity that diverts attention from the road increases the risk of a crash. Iowa law prohibits texting and driving for all drivers and bans handheld phone use for novice drivers. Nebraska law also bans texting while driving and enforces penalties for distracted driving that causes accidents. If a driver was distracted and caused the crash, they may be considered negligent—and thus liable—for any resulting injuries and damages. 2. Speeding and Reckless Driving Speeding is another major factor in serious and fatal accidents throughout the Midwest. On highways like I-80 in Nebraska or I-29 in Iowa, high-speed collisions often result in devastating injuries. Reckless driving—such as tailgating, weaving through traffic, or ignoring traffic signals—further increases the risk of multi-vehicle crashes. How liability is determined: Police reports, witness statements, traffic camera footage, and skid marks can all help establish that a driver was operating their vehicle recklessly and is at fault. 3. Driving Under the Influence (DUI) Operating a vehicle under the influence of alcohol or drugs is both illegal and highly dangerous. DUI-related crashes often result in severe injuries or fatalities due to impaired judgment and delayed reaction times. In both Iowa and Nebraska , the legal blood alcohol content (BAC) limit is 0.08% for drivers over 21. A driver under the influence can face criminal charges and civil liability if they cause an accident. In some cases, if a bar or restaurant overserved alcohol to a visibly intoxicated person, dram shop laws may allow you to file a claim against the establishment as well. 4. Poor Weather Conditions Icy roads, heavy snow, fog, and strong winds are common in both Iowa and Nebraska—especially during the winter months. While no one can control the weather, drivers are still expected to adjust their behavior accordingly. Driving too fast for conditions or failing to use headlights in poor visibility can be considered negligent. If someone crashes into you because they didn’t slow down during a snowstorm, they can still be held responsible—even if the weather contributed to the crash. 5. Running Red Lights and Stop Signs Intersections are hotspots for accidents, especially when drivers ignore traffic control devices. Failing to yield, blowing through red lights, or making illegal left turns can all cause serious side-impact or head-on collisions. Liability Tip: These types of violations are often clearly documented in police reports or video footage, making it easier to prove fault. 6. Fatigued Driving Drowsy driving can be just as dangerous as drunk driving. Long-haul truck drivers, night shift workers, and those with sleep disorders may fall asleep at the wheel or struggle with focus and reaction time. If a commercial driver causes an accident due to fatigue, the trucking company may also share liability under federal safety regulations—especially if they violated hours-of-service rules. 7. Vehicle Defects or Poor Maintenance Sometimes, an accident isn’t caused by a driver—but by a mechanical failure. Faulty brakes, defective tires, or malfunctioning steering components can all lead to dangerous crashes. In these cases, liability could fall on: The vehicle manufacturer The mechanic who last serviced the vehicle A parts supplier A rental car agency This is why it’s so important to have an attorney investigate all angles of the crash—not just the actions of other drivers. How Liability Works in Iowa and Nebraska Both Iowa and Nebraska follow comparative fault systems when determining accident liability: Iowa uses modified comparative fault : You can recover damages if you are less than 51% at fault. Your compensation will be reduced by your percentage of fault. Nebraska uses pure comparative fault : You can still recover damages even if you’re 99% at fault, but your compensation will be reduced accordingly. Example: If you’re awarded $100,000 but found to be 30% at fault, you’ll receive $70,000. This makes it critical to have legal representation that can limit your share of the blame and maximize your potential recovery. Proving Fault After an Accident To build a strong case, your attorney may use: Police reports and crash scene photos Eyewitness statements Surveillance or dashcam video Cell phone records Vehicle black box data Accident reconstruction experts The more evidence you have, the stronger your case—and the better chance you have of recovering fair compensation. Why You Need an Attorney After an Accident Even if liability seems clear, insurance companies may still try to minimize your payout or shift blame. At Fitch & Stahle Law Firm , we handle all aspects of your claim so you can focus on healing. We’ll investigate the cause of your crash, gather evidence, and deal with insurers on your behalf. We represent injured clients throughout Iowa and Nebraska, and we never charge a fee unless we win your case. Final Thoughts: Don’t Guess Who’s at Fault—Let Us Help If you were injured in a car accident, don’t assume you know who’s to blame—or what your case is worth. Many victims overlook important causes or accept partial fault without realizing it. Let Fitch & Stahle guide you through the legal process and fight for the compensation you deserve.

Why You Should Never Accept the First Insurance Offer After a Car Accident in Iowa or Nebraska If you’ve recently been involved in a car accident in Iowa or Nebraska, chances are high that you’ve already heard from the at-fault driver’s insurance company. Often, this first call includes a friendly tone and a quick settlement offer. While it might be tempting to accept—especially when you’re dealing with medical bills, car repairs, and missed work—doing so could cost you thousands in lost compensation. At Fitch & Stahle Law Firm , we’ve represented countless injury victims across Iowa and Nebraska who were offered lowball settlements that didn’t even begin to cover their losses. In this blog, we explain why accepting the first offer is rarely in your best interest—and how having a trusted attorney on your side can make a major difference. 1. Insurance Companies Aren’t on Your Side Despite their commercials, insurance companies are for-profit businesses. Their primary goal is to protect their bottom line—not to ensure you’re made whole after a crash. One of the ways they reduce payouts is by making early settlement offers that seem generous but fail to account for long-term damages. These offers are designed to: Get you to settle before you fully understand your injuries. Prevent you from hiring an attorney. Limit future liability by having you sign away your right to sue. In both Iowa and Nebraska, once you accept a settlement and sign a release, your case is closed—even if your medical condition worsens later. That’s why speaking with a personal injury attorney before signing anything is so important. 2. You May Not Know the Full Extent of Your Injuries Car accident injuries often take time to fully reveal themselves. Conditions like concussions, whiplash, back injuries, or internal damage may not cause noticeable symptoms for days or even weeks. Additionally, some injuries require long-term care, physical therapy, or surgery. The first insurance offer typically only covers: Emergency room visits Basic vehicle repairs Minimal lost wages It often does not cover: Ongoing treatment Pain and suffering Loss of future earnings Emotional distress If you accept a quick settlement without understanding your full diagnosis and prognosis, you may end up paying for future care out of your own pocket. 3. A Low Settlement Could Leave You in Debt Let’s say you accept an insurance offer of $7,500 shortly after the crash, only to later discover you need months of treatment and can’t return to work. Those medical bills and lost wages could easily exceed $50,000. But if you’ve already signed a release, there’s no going back. Many victims in Iowa and Nebraska mistakenly believe they can renegotiate later or reopen the case. Unfortunately, that’s almost never true. Once you sign a settlement agreement, you’re legally barred from seeking further compensation. 4. You Deserve Compensation for More Than Just Bills The law in both Iowa and Nebraska allows injury victims to seek compensation for a wide range of damages, not just the ones that show up on a receipt. A skilled attorney will evaluate the full impact the accident had on your life and fight for compensation in areas such as: Pain and suffering – the physical discomfort and emotional trauma you’ve endured Loss of enjoyment of life – if you can’t participate in hobbies or daily activities Future medical expenses – including surgeries, medication, therapy, and equipment Lost earning capacity – if your injuries affect your ability to work in the future An early settlement rarely accounts for these factors. Insurance companies know this—and count on you not having legal counsel to help you push back. 5. Legal Representation Levels the Playing Field Studies consistently show that accident victims who hire a personal injury attorney receive significantly higher settlements than those who don’t. At Fitch & Stahle , we’re experienced negotiators who understand how insurers operate. We’ll: Collect evidence to support your claim Handle all communication with insurance adjusters Work with medical professionals to assess your injuries Build a compelling case for full compensation Take your case to court if necessary We serve clients across both Iowa and Nebraska, including South Sioux City, Sioux City, Omaha, and beyond. Our local expertise and personal approach set us apart—and we don’t get paid unless we win. 6. You’re Not Required to Accept Anything Right Away Many victims feel pressured to respond quickly or are told they only have a short window to accept the offer. This is a tactic. The truth is: you are under no obligation to accept the first offer —or any offer—without fully reviewing it and understanding your rights. In fact, taking the time to: Speak to a personal injury attorney Complete all necessary medical treatment Review long-term costs and losses ...can help you pursue a much more substantial settlement. 7. There Are Time Limits—But You Still Have Options Both Iowa and Nebraska have statutes of limitations for filing a personal injury lawsuit—generally two years from the date of the accident . That means you do have time to properly assess your case, speak with a lawyer, and negotiate from a position of strength. Even if you’ve already received an offer, it’s not too late to consult with an attorney before accepting it. Doing so could protect your financial future. Final Thoughts: Don’t Settle for Less Than You Deserve After a car accident, the stress can be overwhelming. You may be in pain, missing work, and trying to juggle insurance calls. A quick payout might seem like a relief—but it’s often a trap. Let the experienced attorneys at Fitch & Stahle Law Firm evaluate your case and fight for what you truly deserve. We’ve helped injured clients throughout Iowa and Nebraska secure fair settlements that reflect the full scope of their injuries and losses.

Car accidents happen fast—and the moments that follow can be confusing, stressful, and even dangerous. Whether you’re on a busy interstate in Omaha, a rural road outside Sioux City, or anywhere in between, knowing what to do immediately after a crash can protect your health, your rights, and your ability to receive fair compensation. At Fitch & Stahle Law Firm , we’ve been helping victims of car accidents in Iowa and Nebraska for decades. Here’s what you need to know in those critical minutes and hours following a collision. 1. Check for Injuries and Call 911 Your safety—and the safety of everyone involved—comes first. Check yourself, your passengers, and others at the scene for injuries. If anyone is hurt, call 911 immediately. Even if no one appears injured, it’s still essential to report the accident to the police, especially in Iowa and Nebraska where most accidents involving injury or property damage must be reported. In Nebraska, a crash report is required if there is injury, death, or property damage exceeding $1,000. Iowa has similar laws. Failing to report a crash could result in fines or legal complications later. 2. Move to a Safe Location If the vehicles are drivable and it’s safe to do so, move them to the side of the road or a nearby parking lot to prevent further accidents. Turn on hazard lights to alert oncoming traffic. If moving the vehicles isn’t possible, remain inside with your seatbelt fastened until help arrives. 3. Document the Scene Thoroughly One of the most important steps after a car accident is to gather as much information as possible. This evidence could be critical later when filing an insurance claim or working with an attorney. Here’s what to document: Photos of the vehicles, license plates, damage, skid marks, and road conditions. Names and contact information of all drivers, passengers, and witnesses. Driver’s license and insurance information from all involved drivers. The responding officer’s name, badge number, and a copy of the police report (or report number). Even if you feel fine, take note of any soreness, dizziness, or anxiety. These can be signs of injury that may develop or worsen over time. 4. Do Not Admit Fault It’s natural to want to apologize or take responsibility in the heat of the moment—but resist that urge. Admitting fault, even casually, can hurt your case later. Fault is determined by evidence, traffic laws, and the official investigation—not by what’s said at the scene. Stick to the facts when speaking with police, and don’t speculate. Simply provide accurate information and let the report reflect what occurred. 5. Seek Medical Attention—Even if You Feel Fine Many injuries, including whiplash, concussions, or internal trauma, may not show symptoms right away. Whether you're in Sioux City, South Sioux City, Omaha, or Lincoln, visit an ER or urgent care as soon as possible after the crash. Medical documentation is essential for proving your injuries in a personal injury claim. If you delay treatment, insurance companies may argue that your injuries weren’t serious or weren’t caused by the accident at all. Protect your health and your claim by getting checked out early. 6. Notify Your Insurance Company Let your insurance provider know that you’ve been in an accident, but be cautious about how much detail you provide—especially if you haven’t yet spoken to a personal injury attorney. Stick to the facts and avoid offering recorded statements or accepting a settlement before consulting legal counsel. In Iowa and Nebraska, you typically have to report accidents to your insurer promptly, or you risk being denied coverage. 7. Contact a Car Accident Attorney in Iowa or Nebraska If you were injured, it’s vital to contact an experienced personal injury attorney as soon as possible. Insurance companies are focused on minimizing payouts—not ensuring you’re treated fairly. A knowledgeable attorney can help you: File a personal injury claim Negotiate with insurance adjusters Estimate your full damages (including lost wages, future medical bills, and pain and suffering) Navigate the legal deadlines in Iowa and Nebraska (typically two years from the date of the accident) At Fitch & Stahle Law Firm , we understand the specific laws and nuances of auto accident cases in both states. Our legal team is committed to helping injured clients recover what they’re owed, with no fees unless we win your case. 8. Keep Records and Monitor Symptoms After the crash, keep all paperwork related to the accident and your recovery. This includes: Medical records and bills Repair estimates Police reports Pay stubs or documentation showing missed work Journal entries tracking your pain, symptoms, or limitations This documentation can make a significant difference in the outcome of your case. 9. Avoid Social Media It might be tempting to share what happened—but posts on social media can be used against you by opposing attorneys or insurance companies. Refrain from posting photos, status updates, or comments about your injuries, car, or recovery until your case is fully resolved. Final Thoughts: Your Legal Partner in Recovery Whether your accident happened on I-29, Highway 20, or a neighborhood street in Iowa or Nebraska, the decisions you make immediately afterward can shape your recovery—physically, financially, and legally. At Fitch & Stahle Law Firm , we offer free consultations to help you understand your rights and evaluate your case. If you’ve been injured in a car accident, don’t try to handle the aftermath alone. Let our experienced team fight for the compensation and justice you deserve.

If you’ve recently been in a car accident, you're likely dealing with more than just vehicle damage. The aftermath of an auto collision can be overwhelming—medical bills, missed work, emotional stress, and constant calls from insurance adjusters. During this time, it’s easy to feel like you’re navigating a maze alone. That’s where a qualified car accident attorney can make a significant difference. At Fitch & Stahle Law Firm, we’re here to explain why hiring an experienced lawyer is one of the most important steps you can take to protect your rights and secure the compensation you deserve. 1. Understanding the Legal Complexity of Car Accidents Car accident claims are rarely as simple as they seem. While the facts may appear straightforward—one car hit another—multiple factors like weather conditions, traffic laws, and vehicle defects can complicate liability. Add in varying state laws, such as comparative negligence rules in Iowa and Nebraska, and the process becomes even more complex. An experienced attorney from Fitch & Stahle understands these legal intricacies. We work to gather evidence, assess liability, and build a strong case that represents your best interests. 2. Insurance Companies Are Not On Your Side After an accident, one of the first calls you'll get is from the insurance company. They may sound helpful, but it’s important to remember they’re looking out for their own bottom line—not yours. Insurance adjusters are trained to minimize payouts. They might offer you a quick settlement, ask misleading questions, or try to get you to admit fault. When you hire an attorney, you shift the balance of power. At Fitch & Stahle, we handle all communication with insurance companies so you don’t have to. We know how to counter lowball offers and negotiate settlements that reflect the full extent of your injuries and losses. 3. Calculating the True Value of Your Claim Many accident victims underestimate the value of their claim, especially when pressured to accept early settlement offers. A fair settlement should cover more than just your car repairs and immediate medical bills. You may be entitled to compensation for: Current and future medical expenses Lost wages and loss of earning capacity Pain and suffering Emotional distress Property damage Permanent disability or disfigurement Our legal team takes a comprehensive approach when calculating your damages. We collaborate with medical professionals, vocational experts, and economists to ensure every aspect of your claim is properly valued. 4. Proving Liability Requires Evidence To receive compensation, you must prove that another party was at fault—and that requires solid evidence. Unfortunately, important documentation can disappear quickly after a crash. Witnesses forget details, accident scenes get cleaned up, and insurance companies may fail to preserve relevant records. At Fitch & Stahle, we act quickly to secure the evidence you need. Our legal team gathers police reports, photographs, surveillance footage, medical records, and witness statements. In complex cases, we may also bring in accident reconstruction specialists to strengthen your claim. 5. Meeting Deadlines and Legal Requirements Every state has a statute of limitations that limits how long you have to file a personal injury lawsuit after a car accident. In Iowa, for example, you typically have two years from the date of the accident to file a claim. Missing this deadline could mean losing your right to compensation altogether. Beyond the statute of limitations, there are other procedural requirements, such as notifying your insurance company or filing certain documents in a specific format. One small mistake could delay or derail your case. When you work with Fitch & Stahle, we ensure every deadline is met and every form is filed correctly, giving your case the best chance at success. 6. You’ll Be Better Prepared if the Case Goes to Court While many car accident cases settle out of court, some do proceed to trial—especially when fault is disputed or damages are significant. Having a lawyer from the beginning means you're prepared for anything. Our attorneys are experienced litigators who are not afraid to take your case to court if that’s what it takes to get justice. We prepare every case as if it will go to trial, which puts us in a stronger negotiating position from day one. 7. Peace of Mind While You Focus on Recovery One of the most overlooked benefits of hiring an attorney is the peace of mind it brings. After an accident, your focus should be on healing—not haggling with insurance companies or navigating complex legal systems. When you hire Fitch & Stahle, we take on the legal burden so you can focus on your recovery. From handling paperwork and phone calls to negotiating settlements and representing you in court, we’ll be your advocate every step of the way. Real Clients. Real Results. At Fitch & Stahle Law Firm, we’ve represented countless car accident victims throughout Sioux City and the surrounding communities. Our proven track record of successful settlements and verdicts speaks to the dedication and skill of our legal team. “After my accident, I didn’t know where to start. Fitch & Stahle took care of everything and made sure I got the compensation I needed to get back on my feet.” – Former Client Contact Fitch & Stahle Law Firm Today The decisions you make after a car accident can impact your life for years to come. Don’t go through it alone. If you’ve been injured in a car accident in Sioux City or anywhere in the tri-state area, contact Fitch & Stahle Law Firm today for a free consultation. We’ll evaluate your case, answer your questions, and help you understand your legal options—at no cost to you unless we win. Fitch & Stahle Law Firm — Fighting for Siouxland’s Injured Since Day One. 📞 Call today or visit fitch-stahlelaw.com to schedule your free consultation.

At Fitch & Stahle Law Firm, we recognize that the aftermath of a car accident is overwhelming. Beyond the physical and emotional stress, navigating the legal process can be confusing. Understanding what to expect and how to proceed can make a significant difference in your case. The Steps of a Car Accident Claim 1. Filing a Police Report: This is essential for documenting the accident and establishing key details. 2. Seeking Medical Attention: Even if you don’t feel injured immediately, a medical examination is crucial. 3. Gathering Evidence: Collect photos, witness statements, and other documentation that can support your claim. 4. Consulting an Attorney: Speaking with an experienced car accident lawyer ensures your rights are protected from the start. 5. Negotiating with Insurance Companies: Your attorney will handle discussions to secure a fair settlement. 6. Filing a Lawsuit if Necessary: If negotiations fail, your lawyer may recommend pursuing legal action in court. Understanding these steps can help you prepare and avoid common pitfalls. Contact Fitch & Stahle today to discuss your case. 2. Understanding Comparative Fault in Car Accidents: How It Affects Your Claim One of the most misunderstood aspects of car accident cases is comparative fault. Many accident victims assume that if they share any blame for the accident, they can’t recover compensation. However, laws vary by state, and even if you are partially at fault, you may still be entitled to damages. How Comparative Fault Works • Pure Comparative Fault: In some states, you can recover damages even if you are 99% at fault, though your compensation will be reduced by your percentage of fault. • Modified Comparative Fault: Many states bar recovery if you are more than 50% or 51% responsible for the accident. • Contributory Negligence: A few states prevent you from receiving any compensation if you are even 1% at fault. How an Attorney Can Help Insurance companies often try to assign more fault to victims to reduce payouts. At Fitch & Stahle, we gather evidence and build strong cases to challenge unfair liability assessments. If comparative fault is a concern in your case, reach out to us for a consultation. 3. The Role of Witnesses in Car Accident Cases Eyewitness testimony can play a crucial role in proving liability and securing compensation in a car accident claim. Many people overlook the importance of witnesses, but their statements can provide unbiased perspectives on what happened. Why Witness Testimony Matters • Clarifies Fault: Witnesses can confirm which driver was negligent. • Supports Your Version of Events: Their statements can strengthen your claim. • Helps Refute False Claims: If the other party tries to shift blame, witnesses can counter their argument. How to Secure Witness Testimony • Get Contact Information: Always collect names, phone numbers, and addresses of potential witnesses. • Ask for a Statement: If possible, have them describe what they saw while it’s fresh in their memory. • Work with Your Attorney: Your lawyer can follow up and ensure their testimony is properly documented. If you’ve been in a car accident, don’t underestimate the power of a strong witness statement. Contact us at Fitch & Stahle to discuss how we can use this evidence to strengthen your case. 4. Understanding Economic vs. Non-Economic Damages in Car Accident Cases After a car accident, victims may be entitled to different types of damages. Understanding the difference between economic and non-economic damages can help you build a comprehensive claim. Economic Damages These damages cover tangible financial losses, including: • Medical bills • Lost wages • Property damage • Rehabilitation costs Non-Economic Damages These damages compensate for intangible losses, such as: • Pain and suffering • Emotional distress • Loss of enjoyment of life • Permanent disfigurement or disability Maximizing Your Compensation Insurance companies often try to downplay non-economic damages. At Fitch & Stahle, we work to ensure our clients receive full compensation for both economic and non-economic losses. Contact us today to learn how we can help. 5. How Weather Conditions Can Impact Car Accident Liability Many drivers assume that bad weather absolves them of responsibility in an accident. However, weather conditions do not eliminate liability—they simply add another layer of complexity to the case. Common Weather-Related Accidents • Rain & Wet Roads: Slippery surfaces increase stopping distances and reduce control. • Snow & Ice: Black ice and snowy roads can lead to loss of control. • Fog & Low Visibility: Limited visibility increases the risk of collisions. Determining Fault in Weather-Related Accidents While poor weather can contribute to an accident, drivers are still expected to adjust their behavior accordingly. Liability may depend on whether a driver: • Was driving too fast for conditions • Failed to use headlights or windshield wipers properly • Followed another vehicle too closely If you were in a weather-related accident, having an attorney review your case can help determine fault and ensure you receive fair compensation. Contact Fitch & Stahle for expert legal guidance. 6. The Importance of Seeking Medical Attention After a Car Accident One of the most crucial steps after a car accident is seeking medical attention. Many people delay or avoid medical treatment because they feel fine immediately after the crash. However, some injuries take time to appear, and delaying treatment can negatively impact both your health and your legal case. Common Injuries That May Not Show Symptoms Right Away • Whiplash: Neck pain and stiffness can develop hours or days after an accident. • Concussions: Symptoms like headaches, dizziness, and confusion may be delayed. • Internal Bleeding: Serious internal injuries may not be noticeable at first but can be life-threatening if untreated. • Soft Tissue Injuries: Muscle strains and ligament damage can worsen over time. How Delaying Medical Treatment Affects Your Claim • Insurance Companies May Argue Your Injuries Aren’t Serious: If you wait too long to see a doctor, insurers may claim your injuries aren’t related to the accident. • Gaps in Treatment Can Weaken Your Case: Consistent medical records help establish the severity of your injuries and the necessity of treatment. • Your Recovery May Take Longer: Early diagnosis and treatment can prevent complications and speed up your recovery process. At Fitch & Stahle, we strongly recommend that all accident victims seek medical attention immediately, even if they feel fine. Doing so protects both your health and your legal rights. If you’ve been injured in a car accident, contact us today for expert legal guidance on your next steps. 7. Why You Should Hire a Car Accident Attorney as Soon as Possible Many people hesitate to hire an attorney after a car accident, thinking they can handle their claim alone. However, involving an attorney early can make a significant difference in the outcome of your case. Benefits of Hiring a Car Accident Attorney Quickly • Preserving Evidence: Attorneys can collect crucial evidence before it disappears. • Dealing with Insurance Companies: Insurance adjusters may try to minimize your claim, but an attorney ensures fair negotiations. • Avoiding Mistakes: Legal guidance helps prevent common errors that could weaken your case. • Maximizing Compensation: Lawyers understand how to calculate and pursue the full extent of your damages. If you or a loved one has been injured in a car accident, don’t wait to seek legal help. Contact Fitch & Stahle today to protect your rights and secure the compensation you deserve.

At Fitch & Stahle Law Firm, we recognize that the aftermath of a car accident is overwhelming. Beyond the physical and emotional stress, navigating the legal process can be confusing. Understanding what to expect and how to proceed can make a significant difference in your case. The Steps of a Car Accident Claim 1. Filing a Police Report: This is essential for documenting the accident and establishing key details. 2. Seeking Medical Attention: Even if you don’t feel injured immediately, a medical examination is crucial. 3. Gathering Evidence: Collect photos, witness statements, and other documentation that can support your claim. 4. Consulting an Attorney: Speaking with an experienced car accident lawyer ensures your rights are protected from the start. 5. Negotiating with Insurance Companies: Your attorney will handle discussions to secure a fair settlement. 6. Filing a Lawsuit if Necessary: If negotiations fail, your lawyer may recommend pursuing legal action in court. Understanding these steps can help you prepare and avoid common pitfalls. Contact Fitch & Stahle today to discuss your case. Understanding Comparative Fault in Car Accidents: How It Affects Your Claim One of the most misunderstood aspects of car accident cases is comparative fault. Many accident victims assume that if they share any blame for the accident, they can’t recover compensation. However, laws vary by state, and even if you are partially at fault, you may still be entitled to damages. How Comparative Fault Works • Pure Comparative Fault: In some states, you can recover damages even if you are 99% at fault, though your compensation will be reduced by your percentage of fault. • Modified Comparative Fault: Many states bar recovery if you are more than 50% or 51% responsible for the accident. • Contributory Negligence: A few states prevent you from receiving any compensation if you are even 1% at fault. How an Attorney Can Help Insurance companies often try to assign more fault to victims to reduce payouts. At Fitch & Stahle, we gather evidence and build strong cases to challenge unfair liability assessments. If comparative fault is a concern in your case, reach out to us for a consultation. The Role of Witnesses in Car Accident Cases Eyewitness testimony can play a crucial role in proving liability and securing compensation in a car accident claim. Many people overlook the importance of witnesses, but their statements can provide unbiased perspectives on what happened. Why Witness Testimony Matters • Clarifies Fault: Witnesses can confirm which driver was negligent. • Supports Your Version of Events: Their statements can strengthen your claim. • Helps Refute False Claims: If the other party tries to shift blame, witnesses can counter their argument. How to Secure Witness Testimony • Get Contact Information: Always collect names, phone numbers, and addresses of potential witnesses. • Ask for a Statement: If possible, have them describe what they saw while it’s fresh in their memory. • Work with Your Attorney: Your lawyer can follow up and ensure their testimony is properly documented. If you’ve been in a car accident, don’t underestimate the power of a strong witness statement. Contact us at Fitch & Stahle to discuss how we can use this evidence to strengthen your case. Understanding Economic vs. Non-Economic Damages in Car Accident Cases After a car accident, victims may be entitled to different types of damages. Understanding the difference between economic and non-economic damages can help you build a comprehensive claim. Economic Damages These damages cover tangible financial losses, including: • Medical bills • Lost wages • Property damage • Rehabilitation costs Non-Economic Damages These damages compensate for intangible losses, such as: • Pain and suffering • Emotional distress • Loss of enjoyment of life • Permanent disfigurement or disability Maximizing Your Compensation Insurance companies often try to downplay non-economic damages. At Fitch & Stahle, we work to ensure our clients receive full compensation for both economic and non-economic losses. Contact us today to learn how we can help. How Weather Conditions Can Impact Car Accident Liability Many drivers assume that bad weather absolves them of responsibility in an accident. However, weather conditions do not eliminate liability—they simply add another layer of complexity to the case. Common Weather-Related Accidents • Rain & Wet Roads: Slippery surfaces increase stopping distances and reduce control. • Snow & Ice: Black ice and snowy roads can lead to loss of control. • Fog & Low Visibility: Limited visibility increases the risk of collisions. Determining Fault in Weather-Related Accidents While poor weather can contribute to an accident, drivers are still expected to adjust their behavior accordingly. Liability may depend on whether a driver: • Was driving too fast for conditions • Failed to use headlights or windshield wipers properly • Followed another vehicle too closely  If you were in a weather-related accident, having an attorney review your case can help determine fault and ensure you receive fair compensation. Contact Fitch & Stahle for expert legal guidance.