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When Do You Need a Lawyer?

do you need a lawyer?

If someone has been either injured or killed in the car accident, you should definitely contact an attorney as quickly as possible, as during these types of cases, criminal charges can be filed. Usually, a good rule of thumb is to contact a lawyer as soon as humanly possible, as if there is any inkling in your mind of possibly needing a personal injury lawyer, you should seek one out.

Is the Situation Confusing?

The more complex a car accident is, the more confusing it can be for those involved. One of the most confusing aspects of these types of situations is the idea of fault. If there is any question regarding who is at fault in the accident, you should contact an attorney. Additionally, if your insurer begins to act suspiciously regarding your coverage for the accident, you may want to contact a lawyer to ensure that your insurer is acting in the proper fashion. This question of fault may also be hurt or helped by the police officer who fills out the accident report for the incident. If the police officer puts your party at fault, but you believe that the other party is at fault, you should contact your attorney to challenge the officer’s report. Lastly, if the situation involves confusing medical or technical aspects that you do not understand, you should contact a lawyer. Personal injury lawyers tend to have resources that can sort out this type of information, so you should not let the complexity of these aspects affect the overall outcome of the car accident.

Do You Know Your Rights? Do You Know the Details of Your Insurance Policy?

Not everyone knows their legal rights in these types of situations or even the specific details of their car insurance policy, and this is okay. This is particularly important in car accidents that result in criminal charges being filed against you. If this takes place and you are unsure of your legal rights, you should contact a lawyer immediately. The same goes for your insurance policy. If you feel that your insurance provider is acting in bad faith or is not being fair about your purchased coverage, you should contact a lawyer. You should never let anyone, including your insurance provider, intentionally or unintentionally take advantage of you. Personal injury lawyers are trained to identify if any of this behavior is taking place and will be more than happy to analyze your situation.

While these are just a few things to consider when determining whether you should contact a lawyer after a car accident, there is one more thing that you should keep in mind. If, after your car accident, you have any legal questions, you should quickly contact a personal injury lawyer. Fully understanding your situation is in your best interest, and a lawyer can help.

Should You Get a Lawyer After a Car Accident?

Auto Liability Coverage What You Don’t Know Can Hurt You

Car accident insurance appraiserMost people would not think about getting behind the wheel of their cars, with no auto insurance coverage. However, there are many drivers in the US today without sufficient liability insurance protection. They believe they are fully covered for most accidents, and one of those unsuspecting drivers could be you.

What is Auto Liability Insurance?

Liability covers auto accident damages in which you (or someone you give permission to drive your car) are at fault. Whether you pull out in front of an oncoming vehicle or your car skids into another vehicle, it’s usually your fault and your insurance covers the damages to the other vehicle, driver, and additional property.

Some states have comparative fault laws. For example, if you are deemed 50 percent at fault, your company pays half and the other driver’s company pays the rest. Percentage amounts vary according to your state of residence.

It’s All About the Numbers

When you check out liability coverage (no matter what state you live in) you’ll see three sets of numbers. Take the state of New York for an example, where the coverage limits are 25/50/10. Here is what the numbers mean:

.   25 – Your policy pays a maximum of $25,000 for one person’s injury.

.   50 – $50,000 total medical payments for one incident.

.   10 – $10,000 for property damage, including vehicle damage, signs, buildings, and utility poles.

Why Minimal Insurance Isn’t Enough

Suppose someone is injured and you (or the person driving your car) is at fault. The hospital bill for a serious injury could easily be $50,000 or more just for one injury. This does not include physical therapy, lost wages, and other expenses.

If for some reason your car totals a new SUV, pickup, luxury car or van, the damages could be more than $50,000. Do you know who makes up the difference if you only have $10,000 in coverage? The at-fault person is responsible and can be sued for the remainder of the damages.

What Can You Do?

If you are you not sure you have enough auto liability coverage, you only have to contact your auto insurance agent. He or she is more than happy to talk to you about your liability insurance needs. Auto liability insurance is not very expensive and you may be surprised just how affordable coverage like 100/300/100 or more, can be. The time to do something about insufficient insurance is now (before you need it).

Auto Liability Coverage – What You Don’t Know Can Hurt You