Not every claim that you are considering against the other party requires a lawyer. The facts and circumstances determine when you need to hire the services of a lawyer. For example, if you are involved in a car accident and you are not the one on the wrong and the other driver has an insurance cover with a lower limit that cannot fully compensate your injuries, then you will be in a good position to handle the claim without hiring a personal injury lawyer.
After an accident has occurred, the insurance adjuster for the driver on the wrong will talk to you to gather information concerning your claim, such as property damage, medical expenditure, loss of income, and medical records. Cooperation in giving out these details usually results in some kind of settlement so as to avoid litigation.
Nevertheless, be cautious about the kind of details you give out, especially statements, made to the opposing party when liability or fault is contested. More than often, the insurance adjuster is seeking to find your fault or bring down the value of your claim. In such scenarios, you want to hire a personal injury lawyer early during the process. Even when the person on the wrong is deemed to be the other driver, adjusters may try to “low ball” you with an offer that will not equal to the damage and injuries you have experienced.
Most lawyers do not have a problem advising clients regarding settlement offers that might have been put forward in an on going case. If a fair offer has been put forward, you should go for it. Do not forget that, getting an attorney involved will minimize your recovery by around 33 1/3%.
Another thing to factor in concerning the decision to involve an attorney is related to the amount or availability of insurance coverage to cater for your damages. If the individual has caused you injuries in an accident or has a number of insurance policies, it might not be easy to find out that information. The person could be having multiple insurance with different companies which the adjuster with whom you are negotiating with has no clue about.
A personal injury lawyer can seek affidavits from the insurance company and the one who is insured to protect you incase the other insurance is later discovered, which will cater for the in juries. Lawyers have the resources to find out the existence of some types of insurance coverage’s.
If you experience minimal injuries or damages, it is actually not worth hiring a lawyer. Do not hire a lawyer with the expectations that he will make your damages higher by assisting you to get unnecessary medical treatments from “plaint full friendly” practitioners. These types of claims will not only cost you at the end of it all, but also slow down the judicial process.
This does not imply that you shouldn’t get thoroughly checked out by your doctor after an accident. Sometimes injuries that, might appear minor, can develop into serious life threatening and altering conditions. Do not assume that just because you survived an accident, whether car accident or any other type of accident, that you are medically fine. Consult your doctor to determine this!