You can settle your car insurance claim without a lawyer, and may do so by handling all correspondence with insurance agents personally. You may choose to retain a lawyer to help with your insurance claim instead, and there may be several benefits to doing so. Insurance companies may generally have significant resources and an interest in paying you as little as possible, so having a lawyer to represent you may be helpful as a defense of your rights.
Insurance Companies’ Resources Can Be Daunting
Handling an insurance claim on your own may seem like a palatable idea, but being aware of what you may be up against could change your perception. Yahoo! Finance points out that the auto insurance industry accounted for $285 billion in revenues in 2019 alone.
The amount of financial resources that insurance companies have access to may:
- Allow them to hire numerous lawyers to represent them when disputes arise
- Provide them the ability to wait you out if doing so might compel you to accept a lesser settlement amount
- Generally give them an advantage when it comes to settling your claim
A car accident can leave you reeling financially. One or more insurance companies may offer you a quick settlement, but one that does not provide the full amount of compensation that you are entitled to. You may not have to settle for such an offer, and a lawyer may be able to help you parry the tactics of an insurance company that is not operating in good faith.
You May Face Multiple Losses After a Car Accident
The losses that can come from a car accident may tempt you into accepting a less-than-fair insurance settlement. This is no surprise, as car accidents can be expensive in ways that range beyond finances.
Some of the losses that may come from a car accident include:
- Medical expenses
- Lost income due to your injuries preventing you from working, either temporarily or permanently
- A decline in your earning power caused by physical or cognitive trauma
- Damage to your vehicle
- Damage to personal property inside your vehicle or tethered to your vehicle
- Loss of your physical abilities, which may be temporary or permanent
- Damage to your mental health
- Changes to your personality
- The emergence of conditions such as anxiety or depression
While you can settle your car insurance claim without a lawyer, experiencing substantial losses could heighten the importance of getting a fair settlement. If you are not able to recoup compensation that is in line with your losses, then you may find yourself experiencing debt, paying more out-of-pocket than you should, and generally struggling.
You may also consider that an insurance settlement may not be a feasible way of obtaining fair compensation—you may need to pursue a lawsuit instead.
For a free legal consultation, call 800-777-7777
Bringing a Lawsuit After a Car Accident
Several circumstances may compel you to seek compensation through a lawsuit. Some of these circumstances include:
- The driver who caused your accident is not insured, or some aspect of your collision voided any insurance coverage that they have
- You have experienced severe injuries causing losses beyond what their insurance policy can cover
- You believe that the actions of those responsible for your accident were egregious, and want to obtain financial justice beyond what insurance can provide
- Your loved one has died as the result of somebody’s negligent actions
You may have other reasons for bringing a lawsuit after a car accident. Whatever your rationale for considering or initiating a lawsuit is, a lawyer can help you complete the legal process.
Hiring a Lawyer to Help with Your Lawsuit
Having a lawyer’s help could ease the process of a personal injury or wrongful death lawsuit. The services that a lawyer provides will allow you to focus on other responsibilities in your life and could reduce the stress associated with the legal process.
Some of the ways in which a lawyer may help include:
- Obtaining documentation of your injuries
- Collecting evidence of your accident
- Filing your lawsuit
- Writing your core argument for compensation
- Submitting all paperwork necessary to complete your lawsuit
- Making legal appearances on your behalf
- Negotiating a settlement
- Completing a trial
- Defending your rights
You may have serious injuries such as whiplash that can produce lingering symptoms, as the Mayo Clinic explains. Such injuries can interfere with every aspect of your life, and your lawyer will work for awards that may compensate for the losses you have experienced.
Call Loncar Lyon Jenkins Today
A lawyer may be able to stand up for you if you were the victim of motorist negligence, or careless actions by others resulting in injury or death. Call in the Strong Arm by calling Loncar Lyon Jenkins today at 800-777-7777 for a free consultation. Do not wait to call, as you may have a limited window to bring legal action.