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Auto Insurance Settlement Lawyer: Why Should You Get Legal Help

Updated: July 3, 2018

While most reputable auto insurance companies are not difficult to deal with, there are always situations where an insurance claim settlement becomes necessary.

In these cases, it is best to hire an auto insurance lawyer who specializes in claims settlements.

Without an auto insurance lawyer who can guide you through the process, there is the risk of losing any settlement or dispute.

Insurance companies will do everything to maintain their profits, but an attorney will look out for your best interests.

Here are some reasons why getting help from an auto insurance makes sense in cases that involve auto insurance disputes.

Why Hire an Auto Insurance Settlement Lawyer?

As a general rule, it is sensible to consult with an auto insurance settlement lawyer if the potential settlement in the case is rather large. This means that anyone who was involved in a massive car accident and suffered major injuries needs an attorney.

Unless you are willing to accept a lower settlement and leave money on the table, it makes sense to consult with an auto insurance settlement lawyer.

If you are dealing with a major insurance company with a good reputation, they will not try to deny your claims outright. However, all insurance companies do everything they can to minimize payouts. If you believe you are owed $20,000, the insurance company may only offer $10,000 to $15,000.

Unless you are willing to accept a lower settlement and leave money on the table, it makes sense to consult with an auto insurance settlement lawyer.

These attorneys specialize in such cases, which means they can advise you regarding the specific situation.

An auto insurance settlement lawyer knows exactly how to approach such cases. They know where to push insurance companies and when to accept the terms on offer. This is a huge advantage, especially in cases where the damages are significant.

Negotiating Settlements Without a Lawyer

It is much easier to negotiate settlements without a lawyer if the amount in question is relatively low. If the damages you are seeking only amount to $1,000 or $2,000, it does not make sense to go through the effort and expense of hiring an attorney.

It is also worth remembering that insurance companies are less hostile if you represent yourself.

In addition, situations where there are multiple witnesses to a car accident are easier to prove. If many people saw your car get hit because of another driver’s negligence, you do not need an attorney to argue the merits of the case.

It is also worth remembering that insurance companies are less hostile if you represent yourself. In cut and dried cases, they will treat you with a better attitude if you choose not to hire an auto insurance settlement lawyer.

However, if you find that the insurance company is not playing fair with respect to the settlement, you can contact a lawyer at any time in the process.

Never allow an insurance company, or the other party involved in the accident, to bully or coerce you into signing a settlement when you are not comfortable with the terms on offer.

Important Steps After an Accident

Aside from hiring an auto insurance lawyer to fight major settlement cases, there are steps you can take much earlier in the process to secure a better decision from the insurance company.

Behaving rationally will give you much more ammunition to present to the insurance company during a settlement negotiation.

When an accident happens, it is very important that you remain calm. Drivers or passengers who “freak out” after an accident and start screaming at the other party will achieve nothing.

It is much better to get out of your car, check if everyone is safe and take stock of the damage done to the vehicle. Take pictures, speak with witnesses and file a police report if necessary. Behaving rationally will give you much more ammunition to present to the insurance company during a settlement negotiation.

If you visit the hospital after the crash and get any medical treatment, make sure the doctor gives you the relevant documents to show the date and time of this visit. It will help you prove that your medical expenses were related to the accident.

Do not post about the accident or social media or attempt to “shame” the other party. This will only harm your case.

How to Estimate Car Accident Damages?

When estimating the damages from a car accident, it is important to take several factors into account. The first factor is the damage to your vehicle.

A lot of people mistakenly think that only the driver’s medical expenses are covered by liability insurance.

The best way to prove vehicle damage is by taking pictures after the accident. You can also show your car to a repair shop that you trust and get an estimate for how much it would cost to get it back to its previous condition.

The second part of any car accident damage estimation is the medical expenses incurred by you or any of the passengers in the vehicle. If everyone had to visit the hospital and get a check-up, or treatment for injuries, the insurance company is liable to pay for all of these expenses.

A lot of people mistakenly think that only the driver’s medical expenses are covered by liability insurance.

If the injuries you sustain from the accident cause you to miss work for several days or weeks, you are also allowed to request compensation for these lost earnings. It is necessary to prove, through a doctor’s statement, a medical reason for why you missed those days of work following an accident.

Settling Difficult Auto Insurance Cases

While some cases are cut and dried, others get more complicated. If you did not get pictures of your vehicle after the accident, and there are no independent witnesses of the accident, it is harder to prove certain aspects of the damage estimate.

While you may feel disappointed at accepting a lower settlement offer, it is still a better option than taking the case to court.

Insurance companies will jump on any opportunity to reduce the amount of money they pay out. This is why you must speak with an auto insurance settlement lawyer about the case.

The auto insurance lawyer can talk with you about what aspects of the damage estimate you can prove. If a number of elements are not provable, it may be necessary to accept a less-than-ideal settlement offer from the insurance company.

While you may feel disappointed at accepting a lower settlement offer, it is still a better option than taking the case to court.

Going through a complicated trial to determine damages costs a lot of money, takes time and may leave you with even less money in the end.