Should I get a lawyer if my insurance company is offering me a small settlement amount?


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Question:

Should I get a lawyer if my insurance company is offering me a small settlement amount?

Answer:

America seems to be a nation of busy people who are in a hurry to get to work, drop the kids at daycare of communicate with their boss while stuck in traffic. Hurried and distracted drivers account for a majority of accidents resulting in serious injuries and costing billions of dollars each year. Your first instinct may be to contact your insurance company to let them know what happened. This may not be your best option if determining fault is still an issue. Victims may only be offered a small insurance payout that fails to cover the cost of getting their car repaired or replaced.

Examining the Facts of Your Case

Whether to retain the services of an attorney for your auto accident claim may depend upon several factors:

  • The extent of your injuries and cost of medical treatment required
  • If the case involves more than one party, there may be several ways to obtain compensation
  • Does the accident include parties that were performing their job for an employer at the time? If so, you may be able to sue them under the legal theory of vicarious liability.
  • Can liability be proven against another party? Some state laws allow claimants to obtain damages even when they are partially responsible for the accident.
  • Have your injuries left you unable to return to work? You might be able to recover lost wages for the entire amount of time you missed from your job.

Insurance payouts for auto accident cases not involving serious injuries are usually offered to get the claim settled quickly and for the least amount possible. While it may seem like a good idea to take what’s offered, negotiating with the insurance adjuster could pay off.

Why You Need Professional Legal Advice

It can be hard to know when it’s time to settle or fight. If your injuries have caused you any type of temporary or permanent disability, taking a small settlement won’t come close to covering your medical expenses. Consult a car accident lawyer and get their opinion of whether you need the help of the services for your claim. 

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