When To Hire an Auto Insurance Lawyer | 4 Things You Must Know

Intoduction

Before getting into the “whys” and “whens” regarding the hiring of an auto insurance lawyer, first, let’s discuss what auto insurance is and who needs it.

Purchasing auto insurance is an essential step for anyone who owns a vehicle. Auto insurance provides financial protection and peace of mind in case of accidents, theft, or damage to your car. With so many insurance companies out there approaching you to get insured by them, understanding the basics of auto insurance is crucial to ensure you make an informed decision that suits your pocket and needs.

According to reports, nearly 215 million drivers carry car insurance in the United States.

Bankrate

Here is the highlight of this article:

Understanding The Types of Auto Insurance Coverage

Auto insurance coverage can be divided into multiple types but here are some common types that you’ll encounter:

Liability Coverage  

Liability coverage provides protection if you’re at fault in an accident. It covers the damages and medical bills of the other party. Additionally, liability coverage is mandated by law in most states.

Collision Coverage

Collision coverage is useful if your vehicle is brand new or has a higher value. Collision coverage helps pay for the damage repairs and replacements if your vehicle got damaged in an accident, regardless of whose fault it is.

Comprehensive Coverage

Comprehensive coverage offers great peace of mind, protecting your vehicle against non-collision incidents like theft, fire, or natural disasters. It ensures that you are protected from unexpected events.

Personal Injury Protection (PIP)

PIP is also known as no-fault insurance and it covers the medical expenses of you and your passengers even if some have no health insurance. Personal Injury Protection (PIP) may or may not be mandatory, depending on your state.

Gap Insurance

Gap Insurance covers the difference between the actual cash value of your car and the amount you still owe on your loan.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage protects you if you’re hit by a driver with insufficient insurance or no insurance, covering your medical expenses and sometimes property damage.

Now if you’re thinking…

When Do I Need an Auto Insurance Lawyer

If the accident is minor and no one is injured, your insurance claim should easily be handled by your insurance company without any fuss. But if you have some serious injury, for example, you’re affected for a long time, the accident caused you to be hospitalized, lost income, resulted in huge medical bills, or missed school, you may need to hire an attorney. If not, a consultation will help you understand the severity of the situation and your options.

There is one thing you must keep in mind when claiming your insurance money, the insurance companies have their lawyers too. They fight their best to reduce the amount of settlement. The bigger your insurance claim is, the more you need an auto insurance lawyer.

Here are 4 basic reasons why you should hire an auto insurance lawyer: 

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Benefits of Hiring an Auto Insurance Lawyer

Expertise

Auto Insurance Laws can vary from state to state. Having an auto insurance lawyer by your side will ensure you stay up-to-date with the current insurance laws and regulations. Insurance claim lawyers have an in-depth understanding of legal requirements and how these laws can affect you in processing your claim. Moreover, they help you understand the complex legal system and policies that you may not be able to comprehend on your own.

Maximizing The Compensation

The insurance companies are only concerned about their own benefit. They may try to deny your claim or slow down the settlement process. But the auto insurance lawyer knows all these tactics of insurance companies and will fight to maximize your compensation. They assess the impact of accidents, medical bills, pain, suffering, and property damage and will help you claim insurance based on the evidence.

Reducing Time and Stress

The moment you get into a car accident your mind races with millions of thoughts. Are you okay? Is everyone else alright? And the headache of dealing with insurance companies. The world of insurance is quite complex and navigating through it can cost you time and stress. Hiring an insurance lawyer will take the burden off your shoulders and represent your interests throughout the claim process.

Access To Network and Resources

Auto insurance lawyers are connected with a huge network of experts and have access to multiple resources that can fuel your case. These connections can strengthen your case by providing additional evidence.

How To Choose the Right Auto Insurance Lawyer

Experience and Expertise

Rather than choosing a lawyer who doesn’t practice in a single area of law and takes every sort of case ranging from real estate to wrongful deaths to personal injury claims, you should choose the one who specializes in insurance claims and personal injury. That way, you can get the exact expertise and experience you need. A lawyer with a strong background in auto insurance will help you in your case more effectively.

Reviews and Reputation

Check for the lawyer’s reviews and reputation. You can read testimonials on their website. Don’t forget to ask their previous clients about their experience with the lawyer. Most importantly, dig deep if they have any disciplinary actions or complaints against them.

An Effective Communication

Effective communication is crucial when tackling complex cases like auto insurance claims. Therefore, you must be able to communicate well with your lawyer about everything. This helps you be confident at every step of the process. A good lawyer will always keep you updated about the progress of your case.

Lawyer Fees

You must discuss the fee structure with your lawyer before hiring them. There are some lawyers who work on a contingency fee basis, meaning they will only get paid if they win the case. This minimizes the financial risk. But still, ask about the percentage they will charge if they win and if there are any extra costs like court or witness fees.

So, that’s all for today folks. Check out the related articles if you need more information. 

Here’s a quick recap of this article:

Conclusion

Dealing with insurance companies can be overwhelming especially when you need to claim huge auto insurance money. Here comes an auto insurance lawyer. The insurance lawyer will help you navigate successfully through the world of insurance and make it easier to understand the complex legal laws and policies that a normal person like you and me are unable to decipher.

By choosing the right lawyer, you can maximize your compensation and eliminate extra stress and time. All in all, having a lawyer with a strong relevant background by your side is beneficial rather than trying to sort out all the insurance complexities on your own. If not more, you must at least have a consultation.

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