At least two calls are necessary in the aftermath of a car accident: One to 911 and another to your insurer. But if a crash also results in an injury – requiring emergency treatment – should another call be to a lawyer?
For many Americans, that’s a resounding yes. Indeed, according to a 2016 Insurance Research Council poll, nearly 50 percent of respondents who were injured in an auto accident hired an attorney for claim settlement purposes. And of these, almost 66 percent did so less than a week after the accident occurred.
How do you know when legal representation is necessary? The following should help to answer this question.
Your insurer denies your claim
Although no specific numbers detail just how often auto insurers deny claims, it can happen if, in their view, the circumstances of the crash preclude liability, according to the rules and regulations of the existing policy. Contract law is a complicated topic and one that an attorney is more well-versed in. Legal professionals can provide clarity on the issue and whether the insurer may be in breach of contract.
You lose wages
Depending on the gravity of the injury, a car accident may prevent you from working or doing anything physical. This situation can present a problem for the millions of Americans who live paycheck to paycheck. Indeed, 75 percent of respondents to a recent CareerBuilder survey acknowledged having experienced this type of situation before. If you’ve lost a significant amount of wages and the setback affects your cost of living, you may be entitled to compensation, which an attorney can help determine. Much of this depends on who is deemed at fault for the accident and other specifics that are unique to each case.