The average driver would assume that as long as they have adequate car insurance coverage, that if they’re injured in an accident, they’ll be taken care of financially. Though car insurance is designed to provide financial assistance in the event of an auto accident, the truth is, they don’t always cover everything. Not to mention, most insurance adjusters are trained to look for ways to pay less or get the claim rejected altogether, leaving you to foot the bill. Unless you’ve got thousands of dollars prepared to give away, you may need to hire an attorney.
Not all accidents require the help of a personal injury lawyer, but there are some red flags that will let you know when it’s time to call on the professionals. Here are a few:
You’re Getting the Runaround
When you contacted your insurance provider to file a claim, were they ready to help out? Was the process easy to follow and understand? Did they flat out reject your claim? Was the amount they offered really enough to cover your expenses? If the answer to these questions is no, you need to hire a local attorney to help you. A personal injury lawyer in San Antonio, for instance, would help residents of San Antonio, TX understand the insurance claims filing process in their state and necessary legal actions that may follow.
You’ve Suffered Serious or Permanent Injuries
A few bumps and scrapes can still be a pain to deal with, but if you’ve suffered injuries from your accident that are long-term, serious, or permanent disabilities, you’re entitled to more than a small payout from your insurance company. You will have to pay for everything from medical visits and prescriptions to ongoing treatment and other services. You will also have to account for time out of work and the income lost from that. To ensure that you’re not lowballed, it is best to consult with an injury attorney who can review your current and future expenses related to the accident to negotiate a better payout.
There are instances in which filing an insurance claim is as easy as picking up the phone, providing a few details, and waiting for your insurance company to cut the check. However, if you’re dealing with an especially challenging or difficult case, are getting the runaround, or feel you’re entitled to more than you’re being offered, it is always best to be safe and consult with a personal injury attorney.