You take your safety and well-being seriously. When on the road, you follow the rules and take no unnecessary risks. This is not an ethos adhered to by every driver. Some people are so reckless and irresponsible they should not even have a driver’s license. If you have been hit and injured by such a driver, then you have a right to claim compensation. In all likelihood, your claim will need to be settled by their insurance company. However, this is not always a straightforward process.
You should not deal directly with the insurance company of the other driver. The insurers of the person who hit you may try to contact you soon after the accident. They may even send one of their representatives to your hospital bed in an attempt to settle any possible claim. You should refuse all such overtures. Your best move in this situation is to hire an experienced car accident attorney, and to leave all communication and negotiation to them.
Why Insurance Companies Don’t Like Claimant Lawyers
The insurance company that is liable for expenses related to your injury will most likely hurry to settle your claim. They will want to do so before you have had a chance to consult with an attorney. These are some of the reasons why:
- Your lawyer will know the true value of the claim
You may have no idea how much money you can claim in compensation. After gathering and analyzing the facts of your case your attorney will know exactly how much it is worth.
If you have been seriously injured in an accident, you will have medical bills to pay and lost wages to make for. If your injuries are especially severe, then you may need financial support for life.
The top priority of your lawyer is to figure out the value of the case. They will review all medical documentation, speak to your physicians, and consult independent medical experts. Your lawyer will also shore up the case against the other driver. They will employ professional investigators to gather any camera footage from the accident scene and to interview people who witnessed the collision. Your lawyer will also bring in forensic experts who can reconstruct how the accident unfolded, which will reinforce the culpability of the other driver and the liability of their insurance company.
- Your lawyer understands how the law works
To get your money, you will need to fill out a great deal of paperwork. If you are forced to sue the insurance company, you will have to complete even more documents. In many instances, insurance companies make the forms that claimants must fill out purposefully difficult and obscure. They know that one inaccurate or ill-informed statement on your part will give them the legal leverage they need to deny your claim and have your legal case dismissed.
The car accident attorney you hire will ensure that you complete all forms properly. They will advise you of what documents you need to present and what documents you need to file. They will also ensure that you meet all statute of limitations deadlines.
- Your lawyer does not get paid unless you do
Most accident attorneys work on a no win no fee basis. Such lawyers will only take a case if they know they can win it—that is, get a hefty settlement. Insurance companies know that such lawyers will pursue your claim doggedly and will not rest until they offer a settlement that is commensurate with all you have suffered.
- Your lawyer can take the case to trial
No insurance company wants to go to trial. Court trials are costly, uncertain, and tend to produce bad publicity. Although the vast majority of accident insurance cases end in a negotiated settlement, there is always the possibility going to court. Once you lawyer up, the chance of this happening increases.
Do not be bullied or taken advantage of by an insurance company. Hire an experienced car accident attorney to get the compensation you deserve. Get the legal representation that you need. Call our law offices today at any of our convenient locations and get a free consultation.
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