How an Attorney Can Help With Your Car Accident Claim
If You Want All The Compensation You Deserve, You Need A Car Accident Insurance Lawyer
If you try to negotiate a settlement on your own and without an attorney for your auto insurance claim, you’ll find out pretty fast that you’re not dealing with a “good neighbor” with whom you’ll be “in good hands.”
The reality is that you will be in the hands of a car insurance company that is determined to pay you as little as possible or nothing at all for the injuries and losses you suffered in your car accident. If you accept what the insurer is offering, they are playing you for a sucker. They know that they are saving tens of thousands of dollars, if not more, because you didn’t hire a car accident insurance lawyer to negotiate on your behalf.
Here’s how hiring an attorney for your accident claim can protect you from dubious insurance company tactics and help you get you the maximum amount of compensation for your losses.
Remember, You Are Dealing With the OTHER DRIVER’S Insurance Company
Understanding how car accident claims and lawsuits work is the key to understanding why negotiating a settlement without an experienced attorney can be such a costly error.
Just as you do, the negligent driver who caused your accident likely has car insurance. As required by Illinois law, that insurance policy includes liability coverage designed to compensate other people for any injuries and damage caused by the insured driver.
After an accident, each driver will tell their own insurance company about the accident and provide their insurer with the other driver’s name, contact, and insurance information (which is why you need to get that information right after an accident).
Lawyers hired by the other driver’s car insurance company will represent that driver and handle all matters related to your claim. When you seek compensation from the other driver either through negotiation or a car accident lawsuit, any money that comes your way comes from the insurer, not the driver.
Car Insurance Companies Are In the Business of Making Money
No matter how warm and fuzzy their TV commercials may be, insurance companies are in the business of making money. Every dime an insurer pays out in claims to a car accident injury victim is a dime that cuts into their profits. That’s why the insurance company wants to pay you as little as possible.
After your accident, the other driver’s insurer will want to try to resolve your claim quickly – and on the cheap. They’ll do so by making you an offer far lower than what you deserve or what you could get at trial. They know you have bills you need to pay and wages you aren’t earning as you recover from your injuries. They know you need the money, and they understand that any offer of quick cash can be very tempting. They also know that you may not fully grasp your rights or trust them to do right by you.
The insurance company will use this knowledge to manipulate you and convince you that you either don’t have a valid claim or that it is worth pennies. The insurer may try to get you to make a statement or admission which could hurt any car accident suit you may want to file a suit. They’ll question the extent or cause of your injuries as well.
The bottom line is that when you negotiate your claim with a car crash insurance lawyer, you are giving the insurance company a gift. That’s because car insurance companies negotiate settlements every day – and you don’t.
Insurers Pay More to Those Who Have An Attorney For Their Accident Claim
But when an insurer knows that they are negotiating with an experienced car accident attorney rather than a claimant, their manipulation, intimidation, and other tactics are rendered useless.
That is because car accident insurance lawyers understand the art of effective negotiation. It is a core part of their job. Car accident attorneys understand how insurers work and the ways they try to skirt their obligations. These lawyers know how to gather and preserve the necessary evidence and present the strongest possible case to counter the insurer’s efforts to avoid liability for their driver’s negligence.
Quite simply, people who retain a car accident lawyer to handle their claims and negotiate settlements receive more in compensation on average than do individuals who negotiate without a lawyer. The statistics bear this out:
- According to the Insurance Research Council (IRC), injury victims who had a car accident attorney received settlements that were 40 percent higher than those negotiated by the claimants themselves.
- In another study, the IRC found that claimants represented by a car accident lawyer receive 85 percent of all settlement money paid out by auto insurance companies for claims.
Call Chicago Legal Group Today To Arrange For Your Free Initial Consultation
If you suffered injuries in a car accident, answers, help, and a car accident attorney dedicated to your well-being is only a phone call away. Located in Glenview, Chicago Legal Group focuses exclusively on the representation of personal injury victims, using our experience, tenacity, and advocacy skills to get our clients the compensation and resources they need to move forward with their lives. Your initial consultation is free, and you pay nothing in attorney’s fees until we obtain compensation for you.
Please contact Chicago Legal Group today to arrange for your free consultation.
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