Why Do You Need a Personal Injury Specialist?
One of the scenarios that our personal injury law firm sees frequently is a person who has a substantial personal injury claim trying to handle the case on their own and struggling. Sometimes the victim is worried about the cost of hiring the best lawyer for their car accident. Other times, they are not aware that studies show the lawyer can do the work, and the victim gets more money in their pocket with a skilled attorney.
Someone without an attorney can easily handle some personal injury cases. Those cases are generally going to be minor injuries and medical expenses. Here is how to negotiate a car accident injury claim without a lawyer.
General Rule for Getting an Injury Lawyer
The more serious the injury and the higher the medical expenses, the more likely it is that a person needs a personal injury attorney to help them after a bad accident.
The problem arises when an accident victim settles a case on their own yet does not have a working knowledge of the actual value of their case and also may not understand the rights and obligations involved in the settlement, or for payback of certain parties such as health insurance claims or hospital liens.
Without an Attorney, You Have No Leverage
One mistaken assumption is that the insurance carrier will pay the accident victim, who is not represented by a lawyer, the same amount they would pay if an experienced attorney were on board.
Insurance companies are not in business to be fair to third parties on personal injury claims. Insurance companies will do anything in their power to keep the amount they settle the claim for to a minimum. If an accident victim does not know the actual value of the case, the victim’s odds of being fully compensated are small.
With personal injury claims, the analysis by the insurance carrier includes not only the facts of the accident, the amount of available insurance, the injury victim’s damages, and the attorney who is representing the victim. Certain law firms handle a high volume of cases and try to churn their inventory quickly to maximize their profits (think TV lawyers). Insurance carriers are well aware of these law firms, and how they operate can impact the case’s value.
Disadvantages of No Lawyer
Nevertheless, personal injury victims are at a considerable disadvantage when they attempt to settle a case on their own because the insurance adjuster is well aware of the value of the claim and the injury victim is not. If an insurance company can settle the case for $.10 on the dollar, they will do it in a New York minute. How much a car accident settlement is worth often depends on your awareness of the legal process.
The more serious the injury, the more likely the victim will need representation to obtain some level of justice.
Talk with a Top-Rated Accident Law Firm
If you or a loved one has been seriously injured in a car wreck or other accident, call the Baumgartner Law Firm for a free no-obligation consultation.