A car accident can be extremely jarring, particularly in the moments immediately following. Upon recovering from the initial state of astonishment, pressing matters typically become apparent, assuming no injuries have been sustained. One of these concerns is whether you should submit your claim with your insurance company or with an automobile accident attorney.
Approximately 6 million accidents occur annually in the United States, resulting in over 90 fatalities. It is difficult to determine whether you should contact an attorney or remain silent. It is considerably more difficult to determine whether or not you are at fault.
Ultimately, you wouldn’t want to pay your attorney an exorbitant consultation fee if it weren’t required. Conversely, you also do not wish to be held liable for damages incurred as a result of a catastrophe that was not your fault.
This article will elaborate on circumstances in which contacting a car accident attorney is prudent. Also, we will examine situations in which consulting a car accident attorney is unnecessary.
The Process of an Insurance Company
The insurance company’s position following a catastrophe is not always favorable. An entire legal team at the organization is tasked with validating your accident claim. Undervaluing your accident claim is a frequent occurrence.
A crew of attorneys can be extremely intimidating to challenge. A claim that is not adequately articulated risks being undervalued or outright denied. After car incidents, vehicular accident attorneys are therefore indispensable.
Following a catastrophe, two categories of claims are possible. There are claims from both the first and third parties. Define the following for each of these claims:
A first-party claim is one that is initiated directly with the insured’s insurance provider.
Claims filed with third parties—claims filed with insurance providers other than one’s own, such as those of an employer or another individual—are referred to as “third-party claims.”
Without exception, there are circumstances in which a claim could be rejected. There are a multitude of potential explanations for the denial of your claim. Occasionally, you may believe that your claim was unjustly denied.
A few potential grounds for denial of your claim are as follows:
You failed to submit the claim after the accident in a timely manner.
The medical records contain no evidence of corporeal harm or injury.
It was evident that the tragedy could have been prevented following a thorough investigation.
Even if you had a pre-existing condition, the accident did not inherently cause it.
If you believe your insurance company denied your claim unjustly, you should contact an auto accident attorney immediately. These attorneys are available to assist you throughout the appeals procedure. By doing so, the insurance company may grant approval to your claim, provided that you put forth a compelling argument.
When to Consult with an Automobile Accident Lawyer
As a general rule, contact your attorney as soon as you regain your composure. Bear in mind that the insurance company may deny your claim if you submit it too late.
After a tragedy, there is no such thing as contacting an attorney too soon. If any of the following scenarios pertain to you, it is advisable to contact an attorney as soon as possible following the accident:
a catastrophe in which a person is seriously injured or killed.
You are unable to determine whose responsibility it was.
The accident report issued by the police is insufficient or erroneous.
Regarding your matter, the insurance company is acting somewhat dubious.
Should you believe your claim was unjustly denied,
In any of the aforementioned circumstances, the most prudent course of action is to contact an attorney in order to salvage the situation. When the insurance company arranges a consultation with one of their attorneys, have your accident attorney prepared as well.
Do not say anything that could potentially jeopardize your case to the insurance company’s attorney. Before providing vital details regarding the collision, it is advisable to seek the counsel of a vehicular accident attorney. These attorneys are indispensable in circumstances of this nature.
Circumstances in Which You Ought Not to Contact Your Accident Lawyer
Very few situations exist in which the services of a vehicular accident attorney may not be required. You are not obligated to involve your attorney in matters that are not absolutely necessary.
If the following describes your situation, it would be futile to contact an attorney:
A minor imperfection is acceptable if neither your vehicle nor your insurance policy exhibit any visible damage.
The catastrophe did not disrupt your customary daily schedule, nor did it affect your profession or means of subsistence.
After the collision, you and every other passenger sustained only minor injuries.
When the tragedy was unquestionably your fault,
Keep in mind that the attorney may assess a consultation fee should you choose to approach them regarding these matters. Staying stationary and allowing things to unfold naturally would be more advantageous.
What makes accident attorneys so critical?
Accident attorneys and medical professionals are immediately present following an accident. After a tragedy, the significance of these attorneys cannot be overstated. Listed below are several reasons why these attorneys are so crucial:-
Management of Insurance Matters on Your Behalf
An insurance company is a typical commercial entity. These businesses are motivated by profit. They cannot earn money by occasionally making extravagant assertions.
You are not required to demonstrate your negotiating prowess. An accident attorney will act as an outstanding advocate for you.
Obtain the Actual Worth of Your Automobile Damage and Injuries
Underestimating insurance claims is a well-known practice among insurance companies. Insurance adjusters diligently pursue the objectives of the insurance company.
These experts are capable of persuading you to accept a reduced offer of compensation. However, an accident attorney will assist you in obtaining the compensation you rightfully deserve.
Pertaining to Determining Whether to File a Personal Injury Lawsuit
Depending on the specifics of your situation, you may choose to pursue legal action. You will still receive adequate compensation for the accident, even in the absence of an insurance claim.
Avoid Skipping an Accident Attorney
You might be tempted to forego the services of a vehicle accident attorney and manage the situation independently. This is not something that an expert in business or law would recommend. You stand to lose a great deal if everything were to decline.
You would be better off with knowledgeable professionals. Self-navigation in this discipline is more difficult than one might expect. Delegate the task to the professionals and pursue the appropriate legal action and compensation that you are entitled to.