A common reason that people do not think that they need to hire a personal injury attorney following a car accident is because they believe that they are receiving fair compensation from their insurance company. This is the main reason that people find themselves not receiving enough money to cover their medical expenses.
Insurance companies will cover you up to a certain amount, but this certain amount is very rarely enough to compensate for car expenses, medical expenses, time off work, and pain and suffering. While your insurance company can help you out and be very beneficial, it is not a replacement for an attorney, or vice versa. Hiring an attorney should supplement utilizing your insurance company.
Insurance companies and personal injury attorneys work in two different fields. Insurance is in place to ensure that you are not left for dead in the event of an accident. If the accident is due to the negligence of another driver, your insurance company, depending on your specific plan, will give you the least amount possible for them in order to make sure that you feel compensated. However, because the accident was due to the negligence of another driver, hiring an attorney can ensure that you are taking the right steps in order to receive compensation from this driver to cover your expenses that the insurance company was not able to cover.
If you have been hurt in the accident, you most likely need to work with a personal injury attorney. This is where it is important to have both insurance and an attorney. A personal injury lawyer—most likely—cannot help you out much in the matter of property damage. Personal injury attorneys fight for medial related compensation, including bills and time needed off work. Attorneys can work in the future, meaning that if you are going to have future lost income due to your injury, an attorney can help you fight for this compensation.
An insurance company works in the present. They assess the damages and determine how much your accident is worth. When it comes to choosing an insurance company and a personal injury attorney, it is not an either/or decision. The two work in tandem to assure that you receive as much fair compensation as possible.