Being in an automobile accident can be an extremely traumatic experience, even if there are only minor injuries or no injuries. When you are in a minor accident, it is nice to know you have your insurance company there to back you up and take care of any damages to your car. You know you can call someone and that someone will be on your side. That is the kind of protection you need when you have been in an accident with injuries as well. Having someone who is on your side and taking care of the paperwork and legalities gives you the ability to just rest and heal. The question is, where is the line between a minor accident that you and your car insurance company can take care of, and a more serious situation that needs more expertise?
One way to look at it is to imagine any type of physical injury situation. If you have a cut or scrape, you can easily take care of it yourself with some antiseptic and a band aid. Anything more serious, get some help. You are not a doctor, so you wouldn’t operate on yourself right? Here are some examples of situations where you may want to consider asking an accident attorney for help.
- Extensive Damages and Injuries. If you had to have any kind of medical attention because of the accident that you think may not be covered by your insurance, then you should probably seek legal advice. This also applies to any injuries that may require treatment in the future.
- Disputed Liability. If it is not crystal clear at the time of the accident who is at fault, then an attorney can be a big help. He or she will find out all the information from the authorities and from the insurance companies and be able to give you accurate advice. An attorney will be able to warn you of any time limits or statues of limitations that could prevent you from being able to collect on a claim.
- Loss of Wages. If the accident has left you unable to perform your normal work schedule, for any length of time, an attorney can help. They know the laws and can speak with all the parties involved to make sure you are compensated for time lost on the job.
- Refusal To Pay. If the other party involved in the accident refuses to pay, an attorney can help present relevant information to the court, and the court can invoke fines and charges that will help compel the other party to pay.
As you can see, there are many benefits to hiring an attorney under certain circumstances. There is a lot of work involved with a serious injury insurance claim. If you have been involved in a serious accident, the last thing you need to be worrying about is police reports and claim laws.
In fact, it might even be a good idea to do some planning ahead of time, especially if you have significant assets to protect. Just as you are proactive when you have sufficient auto insurance coverage, it may be a good idea to at least research some good attorneys in your area.
The Department of Motor Vehicles has an extensive listing of tips for hiring an accident lawyer, including a zip code search to help you find one in your area. They also include a list of things to look for in your car insurance policy, and what questions to ask a potential accident attorney. If you don’t actually speak with an attorney now, at least keep this web site handy just in case you need it later.