Should I hire a lawyer for my car accident insurance claim?

If you are injured in a car  or truck accident, it is usually in your best interest to hire a well-qualified lawyer to represent you. With the right attorney, you are likely to achieve a much better settlement or recovery, with a lot less stress, hassle, and disruption with your life. Consider the following and call us at 410-749-9111 for a free consultation.

An experienced lawyer will usually get you a much larger settlement.

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There are several reasons that an experience lawyer can get you a better settlement for your car or truck accident case, even after attorney’s fees are deducted.

First, an experienced lawyer who focuses on car accident injury claims knows how to document and submit a well-organized and comprehensive package to the insurance adjuster covering every aspect of the claim – from medical expenses, lost wages, and other economic damages, to the non-economic aspects of the case: pain and suffering, inconvenience, loss of consortium, any projected permanency of the injury, scarring, etc.

It is important to submit such a “demand package” in a format that is clear, organized and easy for the adjuster to understand. If you do not have a good attorney, many of the potential aspects of the claim go overlooked. And if they are overlooked by you or your attorney, they will certainly not be considered by the insurance adjuster.

(Note: It is important to hire the right attorney. A now-deceased attorney used to send me cases that she could not settle for a fair amount. Her files were a mess, unorganized, and were always missing a lot of information. It would usually take us a month or two to completely start over the documentation process, but once we completely resubmitted the demand package to the adjuster, we usually got the case settled at double or triple the offer that was made to the other attorney).

Second, a good attorney can guide you on your medical care and treatment. Which doctors are good and treating – and documenting – a particular injury? More importantly, which are not? It is often important to get a narrative summary report from a treating doctor, and frankly, some doctors can be uncooperative or just consider themselves too busy to write such a report. Insurance claims are largely based upon thorough documentation. How much physical therapy will an insurance company believe to be excessive? What documentation is necessary do they will not balk at a particular course of treatment? These and many other questions can be answered by a good experienced personal injury attorney.

Third, a good attorney can avoid an unexpected denial of your claim. There are many mistakes that can be made, any of which can result in a denial of the claim. A good lawyer knows how to avoid these pitfalls.

Forth, a good attorney knows the methods used by insurance companies to minimize claims, and avoids or overcomes them. I have over 20 years of experience handling car accident claims. I represented insurance companies for the first 10 of those years. I’ve seen it all and know how to avoid the insurance companies’ unfair methods for minimizing claims.

Finally, a good attorney has a reputation of not just “throwing in the towel” and accepting a settlement offer just because an insurance adjuster says it is the best offer that will be made. At Robertson & Robertson, we have the reputation of taking a lot of cases to trial if we cannot get a good settlement for our clients – and the insurance adjusters know it. Because we only focus on accident cases, we deal with many of the same adjusters time and time again. These adjusters know that they better make a fair offer, or they are going to be defending a lawsuit. If you are unrepresented, or represented by a lawyer who has a reputation of taking whatever is offered, you are unlikely to get a good settlement.

Equally important, a good accident attorney makes the difficult claims process much more tolerable.

If you have been injured in an accident, you undoubtedly have started to feel the stress of the disruption in your life, which is compounded by have to deal with multiple insurance adjusters and trying to get medical care. Who pays for what? What should I do next? Should I give a recorded statement or fill out a document from an insurance adjuster? Who really has my best interest in mind?

Take a deep breath. We are here to help. Our office handles nothing but car, truck, motorcycle and pedestrian accident cases. Not only do we “know our stuff”, but we are not distracted by handling criminal law, divorce, or any other type of cases. We are dedicated to helping our clients who were injured in accidents. And as a former insurance company attorney, I know how insurance companies operate and the methods they use to deny or minimize injury claims. Through excellent claims handling and proactively avoiding mistakes, we are usually able to achieve an excellent settlement for our clients without the necessity of a lawsuit. And throughout the process, we are dedicated to minimizing the disruption in your life.

We are great communicators and are always available for our clients. A live staff member answers our phone during business hours. Phone messages are returned very promptly. In addition, we welcome our clients to stop in the office – with or without an appointment. Our office is designed and organized to be helpful, responsive and efficient for our clients. We believe this level of service sets us apart from the vast majority of law firms.

Call us today at 410-749-9111 for a free, no obligation consultation.