You may not see the need to speak with a lawyer after you’ve suffered an injury, especially if your medical costs are relatively low and the insurer is willing to pay for all of your care. However, if an insurer is denying payment for serious injuries that will likely take weeks or months to heal, you should definitely consider hiring an attorney to help get you the compensation you deserve.
Risks of Negotiating With an Insurance Rep Without a Lawyer
It’s important not to attempt negotiations with an insurance rep by yourself. You likely don’t have the same level of experience that a rep does, and insurance agents spend years learning tactics that allow them to deny or devalue claims instead of paying out. An injury attorney can advise you on information you shouldn’t give to an insurance rep because it could be used against you. Additionally, a lawyer can speak to bill collectors and insurance companies on your behalf.
Some of the many reasons it’s best to hire an attorney include:
You may not be fully healed.
This poses a risk for two reasons. One, you are not operating at your full capacity, and you should be focused on your recovery rather than fighting with an insurer. Two, your medical condition may not have stabilized, leading to future costs that will not be covered if you accept a settlement.
You don’t know your full compensation.
Victims may leap at what seems like a reasonable settlement, even if it does not pay for the full extent of their injuries. An attorney can accurately estimate past and future expenses, ensuring that payment will compensate you for all of your losses.
You will need help if your case goes to court.
If you reach a stalemate in your negotiations, you may have to take the insurer to court to get compensation. At this point, you will have to involve an attorney to fight on your side. Calling an attorney early allows him to gather evidence before it disappears, investigate your claim while your injuries are new, and prepare your case for the best possible resolution.
It won’t cost you anything.
Our injury attorneys take cases on a contingency basis, meaning we charge no costs up front and only collect our fees when and if we secure compensation.
Have You Been Injured Due To The Negligence Of Others?
If you've been injured you need to speak with an experienced personal injury lawyer as soon as possible. Please contact us online or call our Warwick office directly at 401.946.3200 to schedule your free consultation. We help clients in Providence, Warwick and all areas of Rhode Island.