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Bailey | Stock | Harmon | Cottam | Lopez LLP Bailey | Stock | Harmon | Cottam | Lopez LLP
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The Risks of Pursuing a Personal Injury Claim Without Legal Representation

teen driver car accident

We received a call from a former client the other day. His kid had just been in a car crash, and he wondered whether he could just handle the claim on his own since he had been through the process before. It was a pretty minor crash, although the kid had to be evaluated at the Emergency Department and still had headaches and other post-concussive symptoms.

We wanted to tell our former client, “Sure, you can try to handle this claim on your own. You learned a lot in your own case about how insurance companies work, and you’re a smart guy. You might be able to get your son a decent settlement.”

The more we talked, the more questions came up such as:

  • Should I be concerned about the extent of the injuries?
  • What reimbursement claims would come from health insurance?
  • Who is responsible from the trucking company that owned the other vehicle?
  • How do I contact the insurance carrier for this other driver?
  • What is the value of the claim?
  • What documentation is needed to support the claim?
  • And more!

As we talked, he realized just how complex and overwhelming the insurance and legal industries can be. While it might seem plausible to navigate a claim without a lawyer, you might also be leaving yourself open to significant pitfalls and complications.

Understanding the Legal Nuances

The legal landscape surrounding personal injury cases involves a labyrinth of regulations, statutes, and procedures. Without a thorough understanding of these intricacies, claimants might find themselves at a disadvantage. From understanding statutes of limitations to deciphering the full scope of compensable damages, a lack of legal expertise can hinder the ability to secure rightful compensation.

Insurance Company Tactics

Insurance companies are adept at minimizing payouts and may employ various tactics to achieve this end. When an injured individual faces these seasoned professionals alone, they might fall prey to strategies aimed at undervaluing their claim. Adjusters may pressure claimants to accept settlements far below the actual worth of their case, leveraging their lack of legal knowledge to negotiate unfairly.

Undervaluing Claims

Determining the true worth of a personal injury claim involves a comprehensive assessment of various factors, including medical expenses, lost wages, pain and suffering, and long-term impacts. Without legal guidance, individuals might overlook crucial elements of their claim, leading to an undervaluation that fails to address their present and future needs adequately.

Procedural Errors

Navigating the legal procedures and protocols associated with personal injury claims demands precision and adherence to strict timelines. Missing filing deadlines or improperly completing documentation can jeopardize the entire case. Legal professionals bring a wealth of experience in handling paperwork and procedural requirements, reducing the risk of critical errors that could jeopardize a claim.

Complex Legal Negotiations and Litigation

Should a case progress to negotiations or litigation, the absence of legal representation can be particularly detrimental. Lawyers skilled in personal injury law possess the expertise to navigate the complexities of negotiations and, if needed, argue cases in court. Attempting to represent oneself in such forums can be overwhelming and may result in a less favorable outcome.

The Importance of Legal Counsel

In the realm of personal injury law, legal representation plays an indispensable role in safeguarding an injured individual's rights. An experienced personal injury lawyer acts as an advocate, navigating the intricacies of the legal system, and ensuring that clients receive fair and just compensation for their losses.


While it may be tempting to handle a personal injury claim independently, the risks and pitfalls associated with doing so are substantial. The guidance of a seasoned personal injury lawyer, like attorney Doug Bailey who specializes in these types of case in Wyoming and Colorado, can significantly enhance the chances of securing adequate compensation. By entrusting your case to a legal professional, individuals can navigate the complexities of the legal system with confidence, ensuring their rights are protected and their needs are met.

Contact us today for a free consultation to discuss your case and learn more about your options for seeking the compensation you deserve.