You do not require a lawyer to file a basic accident claim with your car insurance company. If the crash was just a little bump and everyone walked away unscathed, and the scratches on the cars were barely noticeable, you’ve got this! You can handle the claim all by yourself. In the unfortunate event of a major crash, don’t hesitate to seek the expertise of a skilled attorney who can navigate the complexities of your claim and ensure you receive the compensation you deserve.
When to Hire a Lawyer for an Insurance Claim
If you have any doubts about the claims process with your insurance company, it is recommended to seek advice from a lawyer.
If you have never filed a claim before, you may be unsure about which concerns are valid and would justify hiring a lawyer. Certain factors should be taken into consideration when deciding whether or not to involve a lawyer.
- The extent of your injuries. An injury can become serious in no time. It’s a game-changer that can leave you out of commission for a while, land you in the hospital, and make your wallet cry. Don’t let your car accident injury leave you in a legal bind! Reach out to an attorney pronto, before tackling the insurance company.
- The insurance of the other driver is declining. If the insurance carrier of the other driver refuses to pay, they are questioning their policyholder’s responsibility in the accident, essentially implying that it is not their fault. When the responsibility is uncertain, you may need to establish the liability of the other driver, which can be facilitated with the assistance of a lawyer.
- The proposed settlement does not meet expectations. Insurance companies aim to minimize costs, hence they make conservative offers. Most individuals accept them because they desire the completion of the process, even if it fails to cover all their accident-related expenses. An attorney will engage in negotiations with the insurance company to secure a settlement that adequately compensates for your losses.
- Your case is proceeding to trial. If your insurance claim case is being taken to court and it is not a small claims court, it is advisable to have legal representation for better outcomes.
Considering these questions can assist you in determining the necessity of having legal representation for your car accident claim.
Other situations in which it may be recommended to consult with a lawyer for your car insurance include:
- The accident resulted in a fatality.
- A pedestrian sustained injuries.
- Either you or the other driver does not have insurance.
- You may bear some responsibility for the situation.
- Your insurance company begins to engage its attorneys.
Can you represent yourself in a car accident claim?
It is not necessary to hire an attorney to handle a car accident claim. If the process remains confidential between you and the insurance company, legal representation may not be necessary. If your case is more complex, it is advisable to seek the assistance of a lawyer to negotiate on your behalf.
You should only consider representing yourself if:
- You are open to learning. It is necessary to familiarize yourself with the processes involved in insurance claims. If your case goes to trial, you will need to acquire more knowledge. When representing yourself in court, it is expected that you know all the relevant laws and regulations about your case, regardless of your profession. If you are unable or unwilling to dedicate the time and effort to learn, it may be advisable to seek the assistance of an attorney.
- There is no dispute regarding the fault of the accident. If the responsible party in the accident is evident, it simplifies the case. If there are questions about liability, it will be necessary to gather information and evidence to demonstrate that you are not liable. Attorneys are skilled in gathering evidence and constructing a case, so receiving some assistance in this area might be beneficial.
- You do not have any alternatives. Your claim may be of minimal significance, potentially dissuading attorneys from taking it on, but you do not wish to abandon it. If you want to continue arguing and believe you are correct, you would need to act as your representative in this situation.
The reality is that while you can dedicate time to educate yourself and understand the fundamentals of managing a car accident claim, it is not possible to become a trial attorney within a few weeks. Understand your boundaries and recognize when it is beneficial to seek assistance.
What are the legal implications of being sued for a car accident?
After a car accident, the other party may attempt to allocate responsibility to you. If there is a dispute between you and your insurance carrier regarding this claim, the other party may choose to file a personal injury lawsuit to seek compensation.
If you are involved in a car accident and face a lawsuit, it is common for your insurance company to provide legal representation to protect your interests. There are situations when your insurer will not provide a lawyer, including:
- If the insurance company was not notified of the crash promptly.
- If the collision was caused by a deliberate act
- If you wish to submit your claim for damages against the other driver.
Insurance companies have a responsibility to provide legal assistance in car accident claims, but if they fail to do so, you will need to seek your representation. Dealing with a lawsuit from another driver can cause stress and feelings of being overwhelmed. If you find yourself in this situation, it is advisable to contact a personal injury lawyer.
A lawyer can make handling your claim easier
While it is not necessary to hire a lawyer to file an insurance claim for a car accident, having legal representation can increase the likelihood of achieving a favorable outcome. If your case is complex and you need assistance, it may be beneficial to seek the guidance of a lawyer. At Phillips Law Offices, we provide a complimentary case evaluation to assist you in comprehending your choices.