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Many people choose to hire an accident lawyer after they’ve been involved in a car crash that results in personal injury and monetary losses.
Why Should You Hire a Lawyer?
Technically, you can file a personal injury claim against an insurance company by yourself. Some people choose this route when they’ve suffered only mild injuries and have the time to research the legal claims process themselves. Also, skipping an attorney will save you some money in legal fees.
However, an accident attorney— especially a personal injury attorney—can help you go up against big auto insurance companies and their team of lawyers. Your attorney already knows the personal injury laws and procedural rules and can effectively handle all the legwork for you. He or she will act as your advocate throughout the entire case.
Because an insurance company’s lawyers have the knowledge to reduce compensation and even deny the claim altogether, hiring an accident attorney is the best option for people who:
- Have suffered severe injuries.
- Are faced with expensive medical bills.
- Have experienced a significant loss of wages due to their injuries.
Reasons to Consult an Accident Attorney
Consider hiring an accident attorney if any of the following apply to you.
Auto Accident Injuries
Generally, the severity of your personal injuries is measured by the:
- Type of injury (or injuries) you’ve sustained.
- Length of time it takes (or will take) for you to recover.
- Cost of medical bills (and any other therapeutic procedures) you’ve incurred.
- This also can include the estimated cost of future medical procedures.
Long-Term or Permanently Disabling Injuries
Generally speaking, a long-term injury is one that lasts for around a year or longer, while a permanent injury is one that disables you for life. These types of personal injuries seriously affect your ability to become and stay employed—not to mention the quality of your life.
Proving long-term and permanently disabling injuries can be tricky business, and your personal injury attorney probably will consult with each medical professional you’ve seen. He or she even might request the presence of your medical professionals during any legal proceedings.
When an insurance company disputes its policyholder’s liability for the car crash, the company is basically saying that the policyholder is not at fault (or is at least claiming you don’t have enough proof of fault) and, therefore, the insurance company is not responsible for paying for your damages.
An accident attorney will help you provide this proof and show that the other party was indeed at fault.
Refusal to Pay
Refusal to pay (which can but doesn’t necessarily stem from a disputed liability) or refusal to pay a fair amount is when an insurance company outright won’t make a fair settlement offer—or any offer at all.