In the U.S., car insurance rates rose more than 25% in February 2024, according to data from Bankrate. Premiums for full coverage auto insurance have increased by 26% from the same time in 2023.
Nationwide, drivers spent an average of 3.41% of their income on car insurance premiums.
Drivers who are involved in a car accident can file an insurance claim to receive compensation for damages and injuries.
Auto insurance claim lawyer Lyndon R. Helton says the legal assistance of a lawyer specializing in auto insurance claims can be helpful in addressing lowball settlement offers or claims denials of insurance firms. Insurance companies often put their own interests ahead of customers, resulting in reduced payouts.
In this article, you will learn how an auto insurance claim lawyer can help you get the settlement you deserve.
Understanding the Role of an Auto Insurance Claim Lawyer
An auto insurance claim attorney will interpret the confusing and unfamiliar legal terms in an insurance policy. Your lawyer can analyze the merits of the claim, organize the required documents for you, and give you the best advice on how to present your case.
An experienced lawyer can negotiate on your behalf and will help you avoid accepting a low settlement from insurance adjusters. Auto insurance claim lawyers can conduct dispute resolutions via mediation or litigation if necessary.
The Claims Process: How a Lawyer Can Simplify It
Auto insurance claim lawyers are familiar with the insurance process. Their knowledge of the process guarantees that you will not miss out on important deadlines. They can facilitate a smoother process, assuring you that your claim will be resolved faster.
Your lawyer will assist you in gathering the necessary documentation, such as your police and medical reports, to substantiate your claim. They will organize everything and logically prepare it to build up your case.
A lawyer will explain your rights and options so you can make an informed decision. This increases the likelihood of a favorable outcome as you focus on recovery.
Negotiating With Insurance Companies: the Lawyer’s Advantage
Lawyers are familiar with insurers’ predatory tactics, which allows them to anticipate and counter them.
The presence of an attorney could show the insurance company that you are serious, which could lead to a better settlement offer for you.
Gathering Evidence and Building Your Case
Gathering and building evidence is a very important step for a successful car insurance claims settlement. Collect all the documents related to the accident, especially the accident report, medical records, and repair estimates.
Take photographs of the accident scene and damage to vehicles. The photos must show the injuries, if any. These pictures can strengthen your position significantly.
Obtain the contact information of people who saw the incident and get witness statements from them. Keep track of all accident-related expenses, such as medical bills and lost wages. Your record of expenses will help you when you file your claim.
Your auto insurance claims attorney can help organize the evidence you have collected. Presenting solid evidence makes it easier to negotiate for the settlement amount you deserve.
When to Consider Legal Representation for Your Claim
Consult with an attorney if your claim involves serious damages.
A lawyer may initiate a counter-settlement if an insurance company refuses to give out a fair settlement. In the event of disputed liability and/or multiple involved parties, having legal advice may help clarify your position.
When dealing with catastrophic injuries that often result in high medical expenses, professional legal assistance is critical in obtaining adequate reimbursement.
Investing in a lawyer will help reduce your stress and anxiety associated with the complicated and overwhelming process of getting auto insurance claims.
