Car Insurance Claims - When to get a lawyer involved?

There are several reasons why the at fault party in a car accident might not contact you. He might be working on obtaining an attorney before speaking with you in an effort to protect himself or he has no intention of contacting you at all. The at fault party may lack sufficient car accident insurance or he has no insurance at all. But whether the at fault party decides to contact you or not, does not matter. You were involved in a serious car accident that was not your fault, so you should contact an attorney immediately.

Here’s why. When it comes to settling car insurance claims, auto insurance companies will only cover what is listed in any given policy, such as the vehicle repair costs and medical bills. Unfortunately, even a generous insurance policy might not offer compensation for pain and suffering or loss of consortium, that is, the loss of a spouse, child, or the ability to have a normal relationship with a spouse, child, or even a sibling. You may also need an attorney if you only carried the legal minimum. Legal minimums only cover third party damages, but not the "totaling" of a vehicle.

In cases such as these, the cards might be stacked against you. Your ability to collect a fair amount from the other parties insurance company may be slim to none if you attempt to resolve the issue on your own. So contact an experienced auto accident attorney for advice on your specific case.