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3 Ways a Personal Injury Lawyer can Minimize Your Headache and Maximize Your Recovery

3 Ways a Personal Injury Lawyer can Minimize Your Headache and Maximize Your Recovery

About six months ago, you were heading home from work. You were driving through an intersection, listening to a bad commercial on the radio. It’s the same intersection you drive through every day, with the same stop light and the same stores on either side. This day, however, as you cruised through the green light, a driver to your right cruised through red. You saw him in your periphery before impact, but only for a split second. Not enough to time to avoid the collision.

The impact totaled your car. You’re dazed but all limbs are intact. The cops come. You exchange insurance information and the cop issues a citation to the other driver. You refuse an ambulance because you’re not sure whether it will affect your insurance rates, and you tell the officer you’ll be fine, because you think you will be.

That night, you wake up with pain through your neck and a headache. That morning, you feel it through your neck, your back, and something’s wrong with your right foot. The headache is duller now, but that could be thanks to the Tylenol. You let your boss know you won’t be in and you decide to call the at-fault driver’s insurance carrier.

You’re greeted by a pleasant claims rep who understands what you’re going through and explains the claims process. She assures you they’ll cover your medical expenses and helps set you up with a replacement rental car. You get the rental car and head to an urgent care center that day.

A few days later, the pain and headaches haven’t subsided. You’ve been diagnosed with some sprains and prescribed pain meds and physical therapy. You should be good to go in 6-8 weeks. The insurance company sends you a $6,000 check for your car and informs you they no longer have a responsibility to pay for the rental car. Of course, the working car was worth far more to you than $6,000, and there’s no way you’ll find a comparable replacement for $6,000. But the claims rep tells you $6,000 is the fair market value, and Kelly Blue Book confirms that.

A couple weeks later, the claims rep offers you $2,500 to settle your bodily injury claims. You’re still in pain, so you decline. Then again, the $2,500 together with the $6,000 might be enough to get you a decent replacement car.

What do you do?

There are several issues in this scenario that need to be handled a certain way, but most people lack the experience to make the right decisions. Unfortunately, this scenario is very common. A personal injury lawyer has seen it a hundred times. Here’s how he can help:

1. By virtue of his experience and training, he can help you make the right decisions at every point in the scenario. He can guide you through the claims process and ensure you maximize your settlement and get the medical treatment you need.

2. He knows how to communicate with the claims adjuster and give them the information they need to see the seriousness of the accident and your injuries. He also knows whether the insurance company’s offer to settle is fair based on your injuries and the circumstances of your case.

3. With an attorney to help you obtain a fair settlement, you won’t be left holding the bag for someone else’s careless mistake. And you’ll have avoided the headache of dealing with the insurance company along the way.

For these reasons and more, you would be wise to call an attorney before settling with the insurance company, whether that’s immediately after the accident or a year into negotiations. You’ll have an advocate working for you who knows the value of the case and understands how to negotiate with insurance.