Car Accident Insurance Claims

25 Reasons Why You Should Hire a Car Accident Injury Attorney

25 Reasons to Hire a Car Accident Injury Attorney

If you’ve been injured in a collision, there are many reasons why you should hire a car accident injury attorney. Learn more and get a free consultation from an attorney near you.

When coping with the effects of a car accident, nothing is easy. From getting the treatment you need to collecting the compensation you deserve, everything you need to do presents challenges—including many challenges you never expect to encounter. As a result, it is important to hire an experienced car accident injury attorney to represent you.

If you’ve been injured in a car accident, you can hire an attorney through CarAccidentSource.com. Local car accident injury attorneys are available 24/7. As we discuss below, there are lots of reasons to hire an attorney to help you, and you can do so at no out-of-pocket cost.

Local Car Accident Injury Attorneys are Available 24/7

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So, you were injured in a car accident. What do you need to do next? Trying to answer this question is the first time many people realize they need a car accident injury attorney. If they don’t hire an attorney, they struggle to move forward as more questions go unanswered; and, in most cases they end up collecting just a small fraction of what they deserve.

Car accident injury attorneys can help you avoid this uncertainty, and they can help you avoid common (and costly) mistakes. In fact, if you’ve been injured in a car accident, you have no reason not to hire an attorney. Hiring an attorney promptly is the best thing you can do to protect yourself, and it is the best way to ensure that you are able to collect maximum compensation for your accident-related losses.


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Why Is It Important to Hire a Car Accident Injury Attorney to Represent You?

Why is it important to hire a car accident injury attorney to represent you? The list of reasons is extremely long. Here, we cover 25 of the most-important reasons to contact an attorney if you’ve been injured in a collision:

1. Making Sure You Comply with the Law

In most, if not all, states, you have an obligation to report your car accident to the police. You may also have an obligation to report your accident to your state’s Department of Motor Vehicles (DMV).

In some states, the obligation to report a car accident only applies if the accident results in injuries or property damage of a certain value (i.e. $1,000). However, since (i) you might not know whether the total property damage from your accident exceeds $1,000, and (ii) reporting your car accident to the police can help prove your claim for damages, in many cases it is a good idea to file a report even if you don’t know whether it is legally required.

Of course, when it comes to complying with the law, you don’t want to take chances. To make sure you meet your legal obligations (and avoid fines and other penalties), you should consult with a local car accident injury attorney promptly after your collision.

2. Making Sure You Comply with Your Insurance Policy

In addition to reporting your car accident to the authorities, you may also be required to report the accident to your insurance company. Most auto insurance policies require policyholders to report all accidents.

If you don’t file, you could have your coverage terminated, and your insurance company may try to deny coverage for subsequent claims. Local car accident injury attorneys can review the terms of your policy for you and make sure you do what is necessary to secure the coverage you’ve paid for.

3. Protecting You Against Common Insurance Tactics

From getting you to give a recorded statement to getting you to go to a “preferred” repair shop, the insurance companies will use a variety of different tactics to try to minimize what they have to pay. Your attorney can tell you what you have to do – and what you don’t – and your attorney can deal with your insurance adjuster on your behalf.

4. Protecting You Against Bad-Faith Insurance Practices

Sometimes, insurance companies go beyond using these types of common tactics to engaging in “insurance bad faith.” If your insurance company (or the other driver’s insurance company) tries to use bad-faith tactics against you, you will need an attorney to help you overcome these tactics and take legal action if necessary.

5. Seeking All Available Types of Auto Insurance Coverage

There are two main types of auto insurance coverage that pay for property damage (collision and comprehensive), and there are four main types of coverage that pay for accident-related injuries. Your car accident injury attorney can review all relevant policies to determine if you have a claim (or claims) for:

  • Personal injury protection (PIP)
  • Medical payments (MedPay)
  • Bodily injury liability (BIL)
  • Uninsured/underinsured motorist (UIM)

6. Seeking All Other Available Forms of Compensation

In many cases, car accident victims can seek additional compensation outside of auto insurance. For example, this could be the case if your airbag or seatbelt malfunctioned, if the other driver’s brakes failed, or if your accident resulted from a road hazard. If the other driver was working at the time of the accident, you may also be entitled to compensation from his or her employer. Experienced car accident injury attorneys will be able to fully assess your legal rights and pursue all available claims on your behalf.

7. Collecting Evidence to Prove Liability

Unless you are limited to seeking “no fault” PIP or MedPay coverage, you will need evidence of fault in order to prove liability. While you may have some photos of the accident scene on your phone, your attorney will need to collect much more in order to convince the insurance companies (or a panel of jurors) that you are entitled to just compensation.

8. Collecting Evidence to Prove Your Injuries

In addition to evidence of liability, you also need evidence of the amount you are entitled to recover. Here, too, while you may have some evidence (i.e. your medical bills and recent paystubs showing that you’ve been out of work), your attorney will need to collect additional evidence in order to seek full compensation for your injury-related losses.

9. Calculating Your Financial Losses

When you get injured in a car accident, your losses fall into two broad categories: (i) financial, and (ii) non-financial. While it might seem like calculating your financial losses simply involves adding up your medical bills and lost wages, the process is actually much more involved.

In order to calculate your financial losses, your car accident injury attorney will need to review all relevant expenses. Your attorney will also need to calculate the value of your lost income and benefits. If your losses will continue into the future (which could very well be the case), then your attorney will need to calculate appropriate compensation for the future costs of your injuries as well.

10. Determining Just Compensation for Your Non-Financial Losses

If you are entitled to compensation outside of PIP and MedPay (which is usually the case), you are also entitled to compensation for your non-financial losses. This includes losses such as pain and suffering, scarring, disfigurement, emotional trauma, and loss of enjoyment of life. In order to get the insurance company to take your claim for these losses seriously, your only practical option is to hire an experienced car accident injury attorney.

11. Making Sure You Seek Just Compensation for Your Future Losses

As a car accident victim, you are entitled to just compensation for your current and future losses. Calculating future losses presents various challenges, and it requires knowledge of your state’s personal injury laws. It also requires working with your doctors, with financial experts, and potentially with other experts as well. As a result, here too, your only practical option is to hire one of the car accident injury attorneys in your area to represent you.

12. Negotiating on Your Behalf

Negotiating a car insurance claim effectively requires: (i) knowledge of how much you are entitled to recover, and (ii) strong negotiation skills. Both of these require the representation of an experienced car accident injury attorney. In order to give yourself a fair chance of obtaining a favorable settlement, you are going to need an experienced attorney on your side.

13. Going to Court if Necessary

In some cases, even an experienced attorney won’t be able to negotiate a fair settlement. The insurance company will hold its ground and refuse to pay. If this happens, you will need to be prepared to go to court, and this will require the representation of an experienced car accident injury attorney.

14. Making Sure You File Your Claim(s) on Time

All types of car accident claims are subject to time limits, called “statutes of limitations.” If the statute of limitations for a claim expires, you will lose your ability to recover just compensation. When you hire an attorney, your attorney will work diligently to negotiate a favorable settlement, but he or she will also make sure your claims get filed on time if necessary.

15. Helping You Evaluate Settlement Offers

 

If you receive a settlement offer for your car accident claim, you need to carefully weigh your options. Should you accept the settlement, or should you reject it and keep fighting for more? If you reject a settlement offer, there is no guarantee that you will receive another one.

In most cases, there won’t be an exact dollar amount that reflects just compensation. Instead, your attorney will identify a range within which he or she will recommend that you settle your claim. While you don’t want to settle for too little, you also don’t want to reject a reasonable offer and risk money being taken off of the table.

16. Understanding Your “Take Home” Amount

When evaluating settlement offers, what you really need to be evaluating is your “take home” amount. This is the amount that you will receive after you pay your medical bills, legal fees, and other claim-related expenses. Before helping their clients decide to accept or reject settlement offers, car accident injury attorneys calculate their “take home” amounts so that they have an accurate picture of the amounts that will go into their bank accounts.

17. Helping You Avoid Collections

If you are like many people, suffering injuries in a car accident will lead to financial strain. As time goes on, you may be at risk for having your medical bills, utility bills, and other bills sent to collections. This can ruin your credit, and it can make it even harder to get back on solid financial footing.

Car accident injury attorneys can help with this by doing things like sending protection letters to your creditors and helping you apply for pre-settlement funding. With a proactive approach, it is possible for car accident victims to avoid going into debt in many cases.

18. Helping You Avoid Mistakes that Could Jeopardize Your Claim

When you have a car accident claim, there are lots of mistakes you need to avoid. This starts from the moment you get injured. Car accident injury attorneys can help you make smart decisions, and they can take many critical steps on your behalf so that you do not jeopardize your claim (or claims) for just compensation.

19. Covering the Costs of Pursuing Your Claim(s)

Pursuing a car accident claim can be costly. There are costs for hiring investigators, accident reconstructionists, medical experts, and other professionals. There are costs for preparing evidence and preparing filings. There are costs for filing a lawsuit in court and preparing your case for trial.

Most car accident injury attorneys will cover these costs while your case is pending. If you receive compensation, your attorney will then recoup these costs from your settlement or verdict. That way, you do not have to pay anything out of pocket in order to seek just compensation.

20. Only Charging a Fee if You Win

Car accident injury attorneys represent their clients on a contingency-fee basis. This means you only pay legal fees if you receive compensation for your accident-related injuries. Your legal fees will be calculated as a percentage of your award (usually in the range of 33%). After subtracting your legal fees and costs, the rest is yours to take home.

21. Doing What it Takes to Win Maximum Compensation

As we mentioned above, recovering from a car accident is not easy. It requires knowledge, skill, and a commitment to everything that is necessary to make sure you receive the compensation you deserve. An experienced car accident injury attorney will be able to help you seek maximum compensation, and your attorney will fight tirelessly while you focus on your physical and emotional recovery.

22. Helping You Manage Your Day-to-Day

When you are recovering from traumatic injuries, managing your day-to-day can also be difficult. Your car accident injury attorney and his or her staff can help with everything from scheduling appointments to keeping track of your injury-related medical expenses.

23. Helping You Feel Confident in Your Decisions

One of the most-important ways an attorney for car accidents can assist you is by helping you feel confident in your decisions. When you settle (or choose to reject a settlement offer), you need to know that you are making the best decision in light of the circumstances at hand. By fighting on your behalf and explaining your options in detail, your attorney can help you rest easy knowing that you are making the right decisions with your best interests in mind.

24. Helping You Stay Positive and Motivated

Recovering compensation for a car accident takes time, and “claim fatigue” is a very real thing. But, you cannot give up, and you cannot afford to make decisions based on what is easiest—rather than what is best. Your car accident injury attorney can help you stay positive and motivated, and your attorney can shoulder the burden of seeing your claim through.

25. Giving You Peace of Mind at the End of Your Claim

Finally, when all is said and done, your car accident injury attorney can give you peace of mind. If you rely on the advice and representation of an experienced attorney, you can feel confident that you have done everything possible to protect your legal rights.

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Have you been injured in a collision? If so, you should speak with an experienced car accident injury attorney about your legal rights. Click the button to get in touch with a local attorney 24/7.