No, you don’t need a personal injury attorney in order to settle a claim with an insurance company. However, having an attorney on your side can make the process much easier and help ensure you get the compensation you deserve.
While only an attorney who is licensed to practice in your jurisdiction can give you true legal advice, it is a good idea to talk to one before you settle with an insurance company over a personal injury. There are many factors at play in a personal injury case. The typical layperson is not experienced with using the law to get them compensation for injuries that were caused by someone else. Nor does the typical layperson have knowledge of the law and how to use it to protect victims who deserve to be protected. A good attorney though is experienced with these things and will likely go the extra miles that it takes to try to ensure that justice is served.
Oftentimes when people are injured, they are not as cognizant as they are when they are well. When someone is taking care of an injured loved one, it can be emotionally and physically exhausting.
When someone is grieving over the death of a loved one who was killed because of a personal injury it is often debilitating to how they function and perform their daily tasks. Any of these factors along with many not mentioned here, can make you feel like you do not have the time, energy and/or ability to deal with questioning what an insurance company may be offering you to compensate you for your injuries.
Whether it is you or someone close to you who is injured, when there are medical bills piling up, loss of income causing other bills to pile up, and fear of your fiscal future, it may seem like a good idea to settle for what an insurance company offers. What an insurance company offers may seem like a good deal because it is going to help you now and in the immediate future. It may even seem like they are being compassionate and generous in their want to take care of you.
Insurance companies are not compassionate and generous.
Insurance companies have teams that work tirelessly to give people as little money as they can, no matter how much people are entitled to. Even when people are facing horrible medical problems that need treatments, insurance companies will still spend their time and resources to figure out ways to pay as little out as possible. They have vast networks of resources and people who spend their days looking into minute details of a victim’s life to see if the insurance company can claim that they do not owe the personal injury victim what s/he is entitled to.
An attorney who is experienced with personal injury cases knows the laws that are in place to protect victims of personal injury. They know how insurance companies operate and they are familiar to their nefarious ways. A good attorney that has experience with personal injury cases will know how to fight the insurance companies in order to see justice served in the form of the compensation a victim is entitled to.
One can hope that settling with an insurance company without a lawyer will go well for the person who is entitled to compensation. The unfortunate reality is that people who do this do not typically get the same amount of compensation as someone who uses a top-rated attorney. Reach out to Cohen & Cohen, P.C., today if you are in need of assistance.