The Answer is Simple. Yes, You Do.
There is no cost, and no down-side. All you stand to gain by simply talking to a car accident lawyer is knowledge and advice you can use to protect yourself and your right to recovery. Many car accident victims have no idea what is going on behind the curtain of the insurance company's “investigation” into your claim. Often they are requesting information and documents from you, as well as gathering documents, information, and expert opinions of their own, that they intend to use to delay, deny, or underpay your claim. They are often looking for anything they can and they plan to use anything they find to support a position that your claim or your damages not covered so you are not entitled to recovery anything, or you are not as injured as you claim so you are not entitled to recover as much as you are asking for. Either way, it is in the insurance company's best interest to pay as little as possible on your claim.
Insurance Companies Are Powerful and Financially Motivated
Insurance companies are in the business of staying profitable, and if denying claims helps their bottom line, they have incentive to do it. They draft insurance policies in their favor, with a lot of fine print and traps they hope you trip up on so they can deny your claim. Insurance companies are also powerful and influential. They lobby legislators to get laws enacted that are in their favor. Did you know if you do not file certain claims within a certain period of time (for example, flood claims must be filed within 90 days of the event) you forfeit coverage? Did you know if you make a mistake on your insurance application, even though it was unintentional and not relevant to your insurance claim, the insurance company can deny coverage? They can do a lot of things, and they spend a great deal of resources and money defending their denial of legitimate claims. We see it every day. Insurance companies often opt to hire attorneys and experts and take you all the way to trial to fight and attack you, rather than pay your claim, and they often spend far more in attorneys and expert fees than they would have paid if they had just honored your claim. They do this because most policyholders give up. Most do not think they have the resources or the ability to fight the insurance company. And most don't, without an attorney. This is why you need an experienced car accident lawyer fighting for you.
The Insurance Company Knows How to Play the Game
The insurance company knows how to work the fine print of the policy to their favor. They will argue exclusions and limitations limit your coverage or mean you are not entitled to recover anything. They will set traps, asking you for documents and records they plan to use against you. And, they hope you will fail to produce the documents they ask for because this means you will forfeit coverage. The insurance companies will unilaterally schedule an Examination Under Oath where they plan to sit you down in front of a court reporter and ask you anything they want, and if you fail to attend, you forfeit coverage.
These are the kinds of tactics insurance companies often take to avoid paying legitimate claims. And, if you don't know much about insurance or how your coverage works, or what bills the insurance company is obligated to pay, the insurance company has every ability to take advantage of you when you are vulnerable and in a difficult position, i.e., at a time when you do not know your rights, and, with bills piling up, you are in need of money. Don't let them. If you do not know the value of your claim, meaning the entire amount (medical bills, lost wages, lost future earnings, etc.) you are entitled to under the policy, do not accept the insurance company's offer and release them from any further responsibility without talking to an experienced car accident attorney first.
There Is No Cost or Downside to Talking to an Attorney
We know the exact game the insurance company might try to play, and we will beat them at it. Every time we take on a car accident case, we are prepared to cover the extensive costs it will require and put in the hundreds of hours it might take to bring the insurance company all the way to trial if that's what it takes to make them pay your claim. There is NO COST or consequence to simply talking to a car accident lawyer about your claim, so there is no reason not to do it.
All you stand to gain is knowledge and advice. Contact us for a free initial consultation today.