Dealing With an Insurance Company Without an Attorney

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So, you’ve sustained an injury in an automobile accident. Obviously, you want the money you are owed from the insurance company. Rather than deal with an attorney, it’s so much easier on everyone involved, especially you, to just settle with the insurance company on your own. Right?

Wrong.

Consult With An Attorney First

If you are involved in an accident, it is absolutely imperative for you to consult with an attorney before dealing with insurance company representatives on your own. You may think you’re capable of handling your case on your own, but without an attorney by your side, you are entering a minefield of potential pitfalls, problems, and unfair treatment. A capable attorney will fight for you every step of the way, guaranteeing you the maximum settlement and preventing you from being taken advantage of or shortchanged.

Insurance Representatives Are Concerned About Their Company’s Interests

Insurance company agents may seem like nice people, and perhaps they genuinely are. But above all, these agents are representatives of their company, and their job is to settle your claim as quickly as possible and at the lowest possible cost to their company. As a result, it is not uncommon for insurance agents to pressure you to act quickly and in their, not your, best interest. For example, there is a statute of limitations in personal injury cases – a specific amount of time you have to either file or a lawsuit or settle a claim with the insurance company. Missing the deadline and not settling your claim may cause you to lose your right to sue the at-fault party, and your case will be over. Claims adjusters are very skilled at prolonging personal injury claims for as long as possible for this very reason. With an attorney’s aid, you will not miss such an important deadline.
After an injury, it would be great if the path to your settlement were quick and easy, but this is not the case. The sheer amount of red tape, paperwork, and bureaucracy can be truly overwhelming and will compound the stress one already experiences when dealing with an injury. An attorney can handle this for you, leaving you to deal with the things that matter most: getting the medical treatment you need and returning to a normal, productive life.

You Need an Attorney Even When Settling Out of Court

Most personal injury cases are settled out of court, as taking a case to trial can be a monumentally stressful event. This usually means that you give up your right to sue in exchange for a payment, but that doesn’t mean you don’t need an attorney by your side. Without one, a potential defendant (and their lawyers) is likely to swindle you out of a fair deal. Attorneys have the experience, legal knowledge, and leverage needed to successfully represent and guide you in your case. A good attorney will know your rights and clearly explain them to you, prepare demand packages that will include necessary medical and specialist reports, negotiate settlement offers to insure you the maximum money to which you are entitled, and meet important deadlines that you may not be aware of.

You Have Nothing to Lose (and everything to gain) When Hiring an Injury Attorney

Above all, having an attorney in the aftermath of an injury will provide you with peace of mind. Injuries and accidents are among the most stressful events one can experience in their life, so why make life more difficult than it needs to be? Most attorneys work on a contingency fee, meaning you will not be responsible for their fees if your case is lost. In other words, they don’t get paid if you don’t get paid, so you have nothing to lose and everything to gain by hiring an attorney.

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