Many people get into car accidents and settle the issue with their insurance companies with little to no difficulty. However, there are other cases in which getting compensation for your car accident costs requires working with personal injury attorneys. How do you know which type of car accident you've been in? Here are four indications you've been involved in the type of crash that really calls for the help of an attorney.
1. The other driver is not insured.
If the other driver who collided with you does not carry insurance, your car insurance company should really pay for the accident costs under your uninsured motorist coverage. However, there are many cases in which your insurance company will only offer you partial compensation. A personal injury lawyer can fight to encourage your insurance company to pay for the entire cost. They can also sue the other driver, demanding that they pay personally for your costs since they did not have insurance as required.
2. You are badly injured.
Most insurance policies have limits on their medical coverage. This limit is unlikely to be exceeded if you just break a leg or strain your shoulder in an accident. However, if you have more serious injuries that require a lot of ongoing care, the cost of medical attention can add up quickly, eventually exceeding your insurance cap. A personal injury attorney can get the remaining costs covered by your insurance company, the other driver's insurance company, or even the other driver.
3. Your insurance company is asking a lot of questions.
If your insurance company does not promptly process your claim, but instead starts asking a lot of questions about the accident and injuries, you should not answer these questions yourself. Delay answering until you are able to hire a personal injury attorney. The attorney will answer the questions in a way that avoids making you look like you are at-fault for the accident, which will increase your chances of getting all of your costs covered.
4. You may not recovery fully from your injuries.
If the accident caused damage that you may not fully recover from, which is often the case with bad bone breaks and back damage, contact an attorney. You may be able to sue the other driver for funds to compensate for your future lost wages. Insurance companies won't often pay for these costs without some urging or perhaps a court case.