When you're injured in an accident, you depend on insurance coverage to help you recover. The financial protection afforded by insurance coverage lets you concentrate on getting well. But you hear about people involved in personal injury lawsuits so much that you may wonder whether you're supposed to speak with one, too. If everything has gone smoothly with insurance and you have more than enough money to make you financially whole after the accident, you might not have to. If your bills are covered and any damage is repaired satisfactorily through insurance, that's one thing. But many times, people find that insurance won't pay enough or won't pay at all. If you sense that something like that may happen, you need to speak with a personal injury attorney quickly.
You Sense Something Shady
Many insurance agencies are very good at what they do and will get compensation to you as quickly as they can. But some may try to pull a fast one, claiming you're only able to get a certain amount due to certain circumstances, or you find someone associated with the case isn't being honest (e.g., you find out a car repair place that's supposed to fix your car after an accident is giving you used parts when they were supposed to provide new ones). If the problem is within the lawyer's area of practice, they'll work with you to right the situation. If the problem is something outside the lawyer's practice, they can point you to the correct agency.
Your Costs Exceed Coverage Limits
Sometimes the insurance companies are very much on your side, but the compensation allowed by the coverage isn't enough. For example, someone may have a medical component to their car insurance that covers only about half of your hospital bills. In that case, you'd want to speak with a personal injury lawyer about whether or not to sue the insurance company for additional compensation.
The Insurance Company Flat-out Refuses to Pay
Sometimes the worst happens and the insurance company simply refuses to pay anything out to you. Your insurance company may claim something isn't covered, or the other party's insurance company may claim their customer wasn't actually at fault. If you know your injury qualifies for coverage, or you know you weren't at fault, you need to speak to a personal injury attorney as soon as you can. The longer you wait, the more it looks like you agree with the insurance company's claims.
Your first step is to arrange for a consultation. You and the lawyer will speak about the problem and go over what evidence you have. At that point, the lawyer will let you know what you need to do next, and what legal steps may be next. For more information, contact a personal injury attorney near you.
Share29 August 2023
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