When you’ve been involved in a car or motorcycle accident, the costs can add up quickly – whether you’re at fault or not. The truth of the matter is there’s a lot of financial damages that your typical auto/motorcycle insurance won’t cover, leaving you to foot the bill. Unless you happen to be financially “well-off,” you can start to feel the sting right away.
Hire a Personal Injury Attorney
If you’re dealing with more than just a little fender bender, and you or someone in your vehicle or on your bike has been injured, it is ideal for you to consult with several auto or motorcycle accident lawyers. They are highly experienced in their field of law and can essentially determine whether you have a viable case. An attorney will be a crucial tool in knowing your rights as a driver, filing an insurance claim and dealing with big time insurance attorneys, negotiating settlements, and pleading your case before a judge should it reach that point.
Now before you say hiring an attorney would cost you more than it’s worth, note that many of them work on a contingency fee. This means that they only get paid if you get a settlement. Be that as it may, here are some other ways in which a personal injury attorney can help you to save money:
- Costs of Damages to Your Vehicle
If you happen to only have liability coverage or low limits on your insurance, you should already know that this type of insurance will not cover any damages to your car. This means that covering the cost of damages to your car or bike is completely on you and your budget. If the vehicle has been completely totaled, you’re looking at the costs of purchasing a new one. Either way, these costs could reach into the thousands. Should an attorney be able to prove you were not the guilty party, these costs will be covered for you.
- Medical Expenses
Accidents that resulted in injuries can get expensive. Some health insurance policies don’t even cover medical costs allocated from an accident, leaving you to utilize insurance through your auto/bike insurance provider and/or pay out of pocket. Even copays, prescriptions, and the trips back and forth to the doctors and specialists can put a dent in your budget. Again, this can add up to several hundred, if not thousands of dollars depending on your condition and how long you have to be treated for it. An attorney, however, would fight to help you receive ample compensation for your medical bills now and in the future relating to the accident.
- Lost Wages
As the saying goes, time is money. So when you’re out of working recuperating from your injuries sustained in the accident, you’re losing money. Even if you have disability, it’s nowhere near the amount of money you’d be making if you were actually in the office. When you have fewer funds to go around, this leads to a downward spiral of events including late payments, past due accounts, a lowered credit score and a host of other economic hardships. An attorney based on the laws in your state, would work with you in coming up with a feasible amount to cover time out of work so that you can maintain your expenses.
- Higher Negotiations or Settlements
Some drivers make the mistake of trying to represent themselves or work with the insurance companies on their own. While this is a possible step to take, it could leave you agreeing to less than you actually deserve. When an insurance company throws a large number out there, you can get tempted to accept what you can at the moment to avoid the back and forth. However, in the future, you may find that it wasn’t enough. An attorney will know when you’re being “low-balled” and, in turn, will ask for more on your behalf.
When you think about it, hiring a personal injury attorney is a great way to make money while you spend it. While you will be responsible for paying attorney fees should you win your case or a settlement, ultimately your attorney will have fought to get you well beyond what you may have gotten on your own. This will give you the peace of mind that you need to completely recover and get some normalcy back in your life.