Do I Need an Accident Attorney If Insurance Pays My Bills?
If you have been injured in an accident and need medical care, your health insurance will likely pay for your medical treatment. You will still have to pay your co-pays as usual and meet your deductible. You may think this is all you need. But, what if your injury turns out to be more serious than it seems at the moment? You may need more care than your insurance covers. Plus, co-pays can add up if you need repeated doctor visits, laboratory tests, x-rays, hospital stays, physical therapy, prescription drugs or more.
What about the wages you lost during the time you were unable to work? Can you return to your former employment or are you going to need vocational counseling to help you find a new career? What seemed to be only a severely bruised hand may result in long-term pain and inability to use it effectively.
Have you thought about the possibility of long-term care and medical expenses you may incur in the future? There is no guarantee your medical plan will cover you for future treatments stemming from this accident, especially if you change health care plans. Plus, your health insurance will not compensate you for your pain and suffering.
You may still think your injury is so minor, you never need any of those services. Hopefully, that is true. But, in many cases, seemingly minor injuries can turn into ones that need extensive medical treatment. For example, even a paper cut can cause a person to lose their hand if the injured site becomes infected.
Finally, while your health insurance company may pay for your bills up front, they will likely seek repayment or subrogation from your personal injury case. A subrogation claim can potentially wipe out any settlement benefits to the injured party. An experienced personal injury accident attorney will know how to negotiate with these health insurance companies to maximize the amount you get.
How an Accident Attorney Can Help You
The insurance company will hire an attorney to represent the person who negligently caused your accident. It seems only fair that you have an accident attorney representing you. There are many ways a personal injury attorney who deals with accident injuries can help.
- Assess the value of your case. Accident attorneys know how to place a value on your case based on the severity of your injury, extent of your medical treatment, time lost from work and other factors. There is more to obtaining a fair and honest insurance settlement than just having medical bills paid. Additionally, a personal injury attorney who offers a free consultation will tell you whether or not it is worthwhile for you to hire him or her to pursue your damages clam.
- Deal with complex legal issues. You may think it is clear that another party was at fault for the accident so that person’s insurance will pay for your out-of-pocket expenses. It is not so easy. The insurer is likely to claim that you were at least partially at fault. If the company can prove you were 50 percent or more at fault for the accident, you will not be able to collect any money for your damages. An experienced accident attorney knows how to investigate the case, prove fault, and defend you against allegations of fault.
- Wait to negotiate a settlement until the extent of your damages can be determined. When you accept a settlement from an insurer, you give up your right to bring any claims in the future. You need to be sure you know the extent of your losses before you agree to a settlement amount.
- Negotiate a fair settlement. The insurance adjuster for the company of the person who was at fault for your injury is likely to offer you a settlement shortly after your injury. Remember that adjusters, no matter how concerned they may seem, they work for the insurance company. Their job is to save the company as much money as possible, which means paying you as little as possible. Rarely does a settlement offer, when attorneys are not involved, include future medical bill, future lost wages or pain and suffering.
Contact Georgia Trial Attorneys for a Free Case Evaluation
One way to find out if it is worthwhile to hire a personal injury attorney is to take advantage of a free case evaluation offered by many personal injury attorneys. At Georgia Trial Attorneys, we offer a free, confidential, no-obligation case consultation. We will review your situation, answer your questions, and honestly tell you whether working with us, or a personal injury attorney in general, is in your best interest.
You really have nothing to lose. Call us today at (678) 667-8965 or contact us on line.