Why Would I Need An Attorney If I Have A Collision? Won’t Insurance Handle Everything?
Insurance companies will try to contact you and they’ll try to contact you quickly. However, you’ll need to remember that the insurance company is out there to make money and the way they make money is by collecting the most amount of premiums they can and paying out as little amount of claims as possible. An adjuster may call you very quickly after the accident and try to offer you a quick settlement offer. However, at that time, you really don’t know the extent of your injuries, you really don’t know if you’re going to have any future problems and you really don’t know how your injury may affect you at your workplace. There are a lot of things that need to happen before you can even think about entertaining an offer from an insurance company. There are also medical bills and medical providers will have a subrogation interest in your case that will need to be settled.
The main reason someone should contact an attorney is because they can help with all these things and they can give advice and they can lead them through this process which can sometimes be tedious if they try to do it by themselves. Often times, they can get a higher settlement amount with an attorney involved. Insurance companies are there to make money first and foremost. They’re not there to pay out claims and so they’re going to try to do everything in their power to pay as little as possible on every claim that they have. A lot of times, if you’re involved in an accident, an adjuster may call you right away and try to offer a quick settlement but at that point in time, you’re really not in a position to even contemplate what a fair settlement may be because you don’t know the extent of your injuries.
It’s always advisable to talk to a personal injury attorney; you’re going to get a free consultation. Most personal injury attorneys are going to handle these cases on a contingency fee so there won’t be any upfront costs to the client. Often times, if an attorney gets involved, the value the insurance adjuster has placed on the case goes up. An attorney will be able to help with everything else along the way as far as investigating the claim, gathering all your medical records, subrogating any interest that medical providers may have and that sort of thing.
If I’ve Just Gotten in an Accident, Should I Wait to See a Doctor Until I Talk to an Attorney?
We always advise people to seek medical treatment as soon as they feel pain, so if there’s any notion of pain at the accident, you need to seek immediate medical attention. After an accident a lot of things are going on and your adrenaline may kick in but you may be injured and not fully realize the extent of the injury and you may actually feel worse if you forego medical treatment. It’s always advisable once you have that onset of pain no matter how small it may seem initially, you should just go ahead and seek medical treatment right away. You can also damage your case by waiting on treatment. Some people think, “I’m going to try to tough it out. I’m not really in that much pain”. Often times insurance adjusters will use that against clients. They’ll try to say, “Well, you weren’t really that hurt”, or, “The accident didn’t cause these things that you’re now complaining to us about”. That’s another important reason to document your injury as soon as possible after the wreck to have that causation between the accident and the injury that you’re now complaining about.
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