Do I Need a Personal Injury Lawyer If I’m Submitting a Claim to Insurance?Click For Your Free Consulation
Car accidents, medical malpractice, falls, and other personal injuries can turn your life upside down. You might be out of work for several weeks or months. In some cases, you could sustain permanent disabilities that affect the rest of your life.
It can be difficult to know whether you need a personal injury lawyer to submit a claim to insurance. Hiring a seasoned lawyer might seem unnecessary if the insurance adjuster is willing to settle the claim. How do you know when you need to hire a personal injury lawyer when submitting a claim to the insurance company?
The best way to know whether you need a personal injury attorney is to ask a personal injury attorney. Some cases might not require the help of an attorney. However, a simple personal injury case could turn into a complicated, disputed personal injury lawsuit.
If you did not sustain serious injuries, understand how to file a claim, and know the value of your damages, you may not need a lawyer to handle your case. However, it does not hurt to talk with a lawyer before you accept a settlement offer.
Once you sign a settlement agreement, you cannot demand more money. The settlement agreement is a binding contract that releases all parties from all claims and damages. In other words, you give up your right to pursue any other claim regarding the accident or injury, even if you discover additional damages.
Keep this in mind when dealing with the insurance company. Insurance adjusters, insurance investigators, and claims representatives protect the insurance company’s best interest. Whether you are dealing with your insurance provider or another insurance company does not matter.
The insurance company’s goal is to pay as little money as possible for your damages. Therefore, people working for the company are not reliable sources of legal advice. Generally, it is wise to talk with an accident attorney to ensure you make decisions based on your best interest and not the insurance company’s best interest.
Each case is unique. You might need to file a lawsuit to hold the party who caused your injury liable for damages. On the other hand, the insurance company might accept liability, and you can avoid filing a personal injury lawsuit.
Some situations are strong indicators that you need a personal injury lawyer. If any of the following apply in your situation, you need to speak with an attorney as soon as you can:
Dealing directly with an insurance company can be risky. The insurance company has unlimited resources to fight your claim. Without a personal injury lawyer, you are on your own.
Hiring a personal injury lawyer gives you the resources to fight for the money you deserve. That can increase your chance of receiving a fair settlement for your case.
Hiring a personal injury lawyer evens the playing field. You now have someone who is fighting for your best interests. Examples of what you can expect when you hire a personal injury attorney include:
In addition to the above, your lawyer provides guidance and support throughout your case. When you receive a settlement or jury verdict, your attorney negotiates payoffs of medical liens and subrogation claims to put as much money as possible in your pocket.
Many people are familiar with the reimbursement of expenses and costs related to the accident and your injury. These costs are economic damages.
They represent the actual dollar amounts for medical care, loss of income, and out-of-pocket expenses. Economic damages include diminished earning potential, nursing care, household services, and personal care.
You may also be entitled to compensation for non-economic damages. These damages represent the mental, physical, and emotional pain and suffering you experienced. They also include permanent impairments, disfigurement, and diminished quality of life.
In a few cases, the jury might award punitive damages. This type of damage is only available in specific cases. It is intended to punish defendants for their conduct.
Knowing what damages you can receive and placing a value on those damages is crucial. The insurance company does not tell you if you do not demand compensation for all damages. A personal injury lawyer knows what damages are worth and how to fight for maximum compensation.
Your initial consultation is free. It does not cost you anything to talk with a lawyer, get answers to your questions about personal injury claims, and receive an honest assessment of your personal injury case. Call our law firm at (212) 564-2800 or contact us online today to schedule your free consultation with one of our experienced New York personal injury attorneys.
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