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It can be hard to know when to call a personal injury attorney. Advertisements for representation are everywhere – television commercials, buses, and billboards. When do you actually need professional help though? The following are three important factors to consider:
You Are (Probably) Not at Fault for the Accident
If you cause an accident, you may need a personal injury attorney, but it will be a different kind altogether. Personal injury attorneys are sometimes referred to as plaintiff’s attorneys because almost all the people they represent are plaintiffs. That means most of our clients have been hurt and are seeking damages from someone else.
In some cases, you may not know who is at fault for the accident. One common example is an auto-pedestrian claim. If a truck hits a person, who is at fault? Is it the truck driver for not paying attention or the pedestrian for being in the roadway? An attorney can help you figure that out. If you are unsure feel free to contact an Advocate any time, day or night, for a free consultation.
You Are Injured
If the accident involves only property damage, most people can work through their claim with their insurance agent. If you have been injured in the accident, you may need a personal injury attorney to help you get the compensation you deserve.
When you have been seriously injured in an accident it can seem impossible to get back to your daily life, let alone fight with an opposing party or an insurance company over compensation for your injuries.
An attorney will help get your medical records and bills, collect evidence of who is at fault, build a case showing the other party is at fault, and negotiate for fair compensation. Your attorney will keep track of everything for you so that you can focus on getting better.
Your Insurance Company Is Not Going to Cover All of Your Bills
The most important reason personal injury attorneys exist is because some accidents are too big to recover from without compensation.
Imagine you were driving when another car suddenly collides with your vehicle. Not only is your vehicle damaged but you must now go to the hospital for imaging, surgery, and rehab. You will have to miss work because of the accident and may even have to hire help for regular tasks. You may never walk the same way again. In fact, you will incur medical expenses due to this accident for the rest of your life.
Even if you have good auto and health insurance, you will need serious money to pay for the bills your insurance company will not cover. First, if your auto insurance company does cover the damage to your vehicle, you will still have to pay the deductible as well as pay increased premiums because of the claims.
On the medical front, your medical insurance covers only 80% of your medical bills, making you responsible for 20% of your hospital stay, surgery, and rehab. That can add up to hundreds of thousands of dollars depending on your deductibles.
Furthermore, you missed work and lost money. You had to hire help to do household tasks while you were in rehab. You will incur medical expenses for the rest of your life and your quality of life has been diminished.
Your own insurance, no matter how wonderful, is not going to make you whole again. The goal of a personal injury claim is to make the plaintiff as much or the same as you were before the accident. In order to do this, you are going to need compensation from the at-fault party and their insurance company. You are going to need a personal injury attorney to get that compensation.
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