When someone suffers a personal injury in a car accident caused by another driver, he or she is probably wondering whether an attorney is really necessary. Many people think of lawyers as just another expense after a crash, but this is not true. An experienced personal injury attorney is there to fight for your rights and maximize your financial recovery.
If you are on the fence about calling a lawyer, here are five signs that say it is a good idea:
- You have medical and auto repair bills because of the accident
Sometimes you are in a fender bender and all you need is a bit of repair work. Other times, an auto accident causes serious injuries and totals your car. If you are looking at additional medical treatments, such as surgeries, prescriptions, or physical therapy, the total costs from the accident may be more than your health insurance covers. It should not be your responsibility to pay for injuries you did not cause.
- You do not know how you are going to pay bills not covered by insurance
Most Americans do not have the savings necessary to cover buying a new car while paying unexpected medical bills. Very few people want to negotiate with insurance companies or sue the other driver, but it may be the only way for you to financially recover from the situation.
- The party at fault does not have auto insurance
When someone else causes a car accident, you are relying on his or her insurance to cover the damage and your injuries. However, despite the law requiring auto insurance, many people drive without the necessary coverage. Whether or not your insurance covers the damages and your injuries depends on your own policy. If you cannot get a settlement from either insurer, you are more likely to need to file a lawsuit.
- You need help filing insurance claims
Filing an insurance claim in writing can be a tough experience for people who have never done it before. You may not be sure of what to say and what paperwork to include. Additionally, you need to be careful not to admit any fault for the accident or provide more information than necessary.
- Your insurance claim has been denied
Even if you have managed the situation well without an attorney, having your insurance claim denied can signal it is time for help. Insurance companies have many reasons for denying claims, but it is also possible the insurer has not treated you fairly. Having an attorney by your side when you appeal your claim can ensure the insurance company does not try and take advantage of you.
Call The Law Office of Jordan B. Rickards at (732) 297-8200. Mr. Rickards has helped residents of Milltown and New Brunswick, New Jersey for years, and wants to see you back on your feet.