Spinal cord injuries can happen in many different ways, but vehicle accidents remain the number one cause of spinal cord injuries with 32%.. Most people at the time of their car accident are unaware of their legal rights. This is why it is always a good idea to consult with a lawyer after a car accident.
More often than not, insurance companies will tell you that you do not have a case, or that your case isn’t worth that much, but that is not always the truth. You will need to speak with a lawyer to find out the truth for yourself. You do not want to let the statute of limitations expire for example, only finding out later on that you had a case but it is now too late to pursue the case.
Also, if you are worried about wasting a lawyer’s time, do not worry. Many take on cases on what’s called a “contingency basis”, which means you do not have to pay them a dime unless they help you win your case. Here are seven reasons you should always hire a lawyer after a car accident, especially when a spinal cord injury occurs.
- Insurer Trying to Make You Appear Guilty
Sometimes after a car accident an insurance company will do whatever they can to make you look like the guilty party. This is an easy way for the insurance company to avoid paying your claim and this will raise your insurance rates, putting more money in their bank account. If an insurance company begins to ask questions that invade your privacy, such as requesting cell phone records, call a lawyer right away. A lawyer will protect you and can get these requests thrown out in court.
- You’ve Been in an Accident with Someone Uninsured
One of the most difficult situations is getting in an accident with an uninsured motorist. If you have full coverage insurance, you’ll be able to get your vehicle repaired. But if you only have liability coverage, you may be out of luck and will have to pay the bill yourself. It is always in your best interest to speak with a lawyer in this situation. They can make sure all of your rights are met and that your insurance company is telling you the truth.
- Insurer Denies Your Claim
If your claim has been denied by your insurance company, contact a lawyer right away. They can tell you if any laws in your state make the denial illegal. An insurer will often deny car accident claims and get away with it unless the customer they denied the claim to decides to sue them. It doesn’t matter if you feel they are in the right in denying your claim, it is always a good idea to contact a lawyer to see if the denial is legal.
- You’re Going to Trial
If you haven’t spoken with a lawyer after your car accident but are scheduled to go to trial for your case soon, or you need to make another kind of court appearance or an appearance at a mediation, it is a good idea to contact a lawyer. The insurance company will have a lawyer on their side, as should you.
- Insurer Doesn’t Call You Back
In the world of insurance, phone calls should be returned promptly, typically within 1 business day. If an insurance company does not return your calls in a timely manner, think about contacting a lawyer to discuss your options. An insurance company not calling you back is never a good sign. This could mean they’re trying to delay your case so the statute of limitations expires, making it impossible for you to pursue your case in the court of law.
- You’ve Hit the Policy Limit
Every auto insurance policy has limits on how much it can pay out, and when a car accident occurs, it is quite common for people to exceed their policy limits. In order to know the exact amount of your policy, contact a lawyer to have them investigate. They may even find additional parties that are guilty. Insurance companies will often not tell you the truth on the exact amount of a policy limit.
- Insurer Paying Too Little for Expenses
After a car accident and spinal cord injury, it is important an insurance company offers you enough for your expenses, which is more than just medical bills. Lost wages, pain and suffering,caregiving and medical supply expenses can be hugely expensive. Always make sure the insurer pays for these expenses if they are needed. If they do not pay out enough, call a lawyer. These expenses should be covered and a settlement can be pursued to cover additional expenses.
Generally speaking, it is always a good idea to call a lawyer after a car accident. Many do not charge a fee to speak with you over the phone, and many have online forms you can fill out as well to answer their introductory questions. Above all, trust your gut. If you feel an insurance company is manipulating you in any way, call a lawyer as soon as possible. Your financial livelihood could be at stake, especially if you are struggling with bills and returning to work.