I used to be a claims adjuster. The insurance professional loves to hate for rejecting or diminishing payments towards their medical bills, vehicle estimates and requests for pain and suffering. Normally, following a disagreement, the other party would threaten to get an attorney hoping to scare me. And guess what? I never cared.
Unlike the individual filing the claim, I understood that attorneys aren’t always useful to insureds or claimants. As a matter of fact, at times, they just get in the way. Learning when this legal entity is beneficial is key to making the best use of him or her.
When you shouldn’t get
an attorney after an auto accident:
- Your claim is for car damages only. The estimate from the insurance company was low and this event upset you. Fight back by getting estimates from three other repair shops or asking for a teardown. Both can reveal to you and the insurer the true cost of repairs.
- You are at-fault and there are no injuries. Don’t lie to yourself. If you rear-ended another vehicle in rush hour traffic, you are at-fault. No attorney on earth can change those circumstances. Accept responsibility and be glad no one was hurt.
- You had minimal injuries and medical treatment. Insurance companies are cracking down on these types of claims. They aren’t willing to pay people who fall into this group more just because they get legal representation. So think about a reasonable monetary amount that would satisfy you and compensate for your injuries. Then, negotiate directly with the claims adjuster yourself.
- You hope to get an extra 15% in the settlement. This percentage is what you would pay to an attorney. Therefore, his or her efforts would be null and void. You wouldn’t gain a thing except for extra paperwork and a delay in your claim resolution.
- You want to teach the insurance company a lesson. Although you may be right in your feelings, you would be better off talking to a supervisor and voicing your complaints. If this doesn’t satiate you, you can always file a complaint with your insurance commissioners office.
In conclusion, before you run out and hire an attorney after an auto accident, consider the above points. The services of this legal professional may not be profitable and, for this reason, a waste of your time.
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