If you’ve been injured in an accident caused by someone else’s carelessness, it’s common to question whether you should hire a personal injury lawyer. Handling a claim on your own can be risky, potentially resulting in receiving less compensation than you are entitled to receive.
Insurance companies focused on profit have teams of adjusters and defense attorneys whose job is to reduce the amounts paid on injury and property damage claims. This approach is designed to boost company profits, as these companies must increase shareholder returns. Put simply, there’s a conflict between your financial needs and the financial objectives of the at-fault driver’s insurance company.
Legal representation is crucial for several reasons:
- Insurance companies typically offer lower settlements, but an experienced attorney will ensure a fair evaluation.
- Insurers might downplay the severity of injuries or suggest they’re unrelated to the accident. Your attorney, backed by medical experts, can counter these claims effectively.
- Personal injury attorneys can skillfully handle any attempts by insurers to misinterpret your statements.
- If the insurer tries to blame you for the accident, your lawyer will conduct a detailed investigation to establish liability.
A notable study by the Insurance Research Council (IRC) found that claimants represented by attorneys received, on average, settlements 3.5 times larger than those without legal help. This data is compelling, given its broad coverage of various cases and insurance scenarios.
The Benefits of Hiring a Personal Injury Attorney
Experienced Estimation of Claim Value
Personal injury lawyers are adept at accurately assessing a claim’s value, including intangible aspects like pain and suffering, emotional distress, and future medical costs. This thorough evaluation often leads to higher compensation.
The Profit-Driven Nature of Insurance Companies
Victims facing injuries and work incapacities deal with escalating medical and living expenses. Insurers often exploit this urgency by offering low early settlements, which may not cover future expenses due to the full extent of injuries becoming apparent later. A personal injury lawyer typically advises waiting until all treatments are completed before settling, as accepting an early offer can leave you covering subsequent costs.
Addressing Allegations of Pre-existing Injuries
Insurance companies commonly claim that current pain is due to pre-existing injuries, sometimes seeking past medical records to prove this. Your attorney will guide you in handling such requests, as even if a previous injury existed in the same area, the recent accident could have aggravated the condition.
Timely Submission of Necessary Documents
Insurers may use delayed paperwork submission as a reason to deny payment. Given the complexity and strict deadlines, having an attorney ensures the timely and accurate submission of all necessary legal documents.
Complexities in Multi-Vehicle Collisions
In accidents involving multiple vehicles, determining fault and liability becomes complex. To construct a clear narrative, your attorney will review all evidence, including accident reports and witness statements. This is crucial, as insurance companies in multi-vehicle accidents often negotiate extensively to reduce their liability. Your attorney’s negotiation skills are essential in ensuring fair responsibility distribution and compensation.
Handling Long-Term or Permanent Disabilities
Accidents resulting in long-term or permanent disabilities require a comprehensive approach. Your personal injury lawyer will assess immediate medical costs and future needs, including rehabilitation, home modifications, and potential long-term care. They’ll also calculate lost future earnings and emotional impacts, ensuring every aspect of your future challenges is addressed. In instances where insurance offers are insufficient, your attorney is prepared to present your case in court to secure adequate compensation for the full impact of your injuries.
Understanding both current and future losses is crucial before accepting any insurance settlement. If negotiations with the insurer fail, your lawyer is ready to take the case to court to advocate for your rights.
Contact Our Rockford Personal Injury Attorney For Exceptional Representation
If you or a loved one has been harmed in a motor vehicle accident caused by someone else’s negligence, protect your valuable legal rights! At Fisk & Monteleone LTD, our firm is ready to provide the experience necessary to win your car accident claim.
Contact our Rockford accident injury attorneys at 815-962-0044 for your free injury claim assessment. Do not delay – Illinois law has strict time limits on filing your injury claim. No Risk, Call Fisk! Call Fisk & Monteleone LTD today and protect your legal right to financial compensation.