After a car accident you may be unsure how injured you are and what the extent of damage done to your property is. Emotions run high and your adrenaline is pumping, this is why it is important not to make quick decisions that can impact the claims process around your car accident case. The worst thing you can do immediately following an accident is speak with an insurance adjuster that is interested in placing fault on you for the accident and damages suffered. When you have been injured in a car accident you will want to work with someone who advocates for your needs and gets you the results that you need. At the Law Office of Beverly R. Caruthers in Houston, we help victims of car accidents collect fair compensation for their injuries in order to pay the medical bills and get them back on their feet.
If you are unsure if hiring an attorney is right for you, read below to hear what legal experts have to say about the benefits of hiring an attorney when going against predatory insurance companies:
When to Contact a Lawyer About an Insurance Claim
According to Forbes:
Should you contact a lawyer to discuss your insurance claim? Small run-of-the-mill claims usually settle without trouble. But in cases where there’s more at stake—for both you and the insurance company—there may be a higher chance for dispute. This could include:
-Claims where you and the insurance adjuster don’t agree early on
-Expensive or complex claims
-Large claims, such as house damage after a fire, extensive water problem or tornado
-Claims where fault is hard to establish
If you have one of these claims, you’re more likely to need legal help. “If you believe you have an insurance claim, it is always better to contact a lawyer before you speak with any insurance representative,” says Allen Patatanyan, co-founder of West Coast Trial Lawyers in Los Angeles. “Consulting with a lawyer for a potential insurance claim should be free, so there is no downside in receiving some sound legal advice before you move forward.”
Speaking with an experienced lawyer before you contact your insurance company to make a claim can help you avoid hurting your case when you communicate with experienced insurance representatives when you open a claim, he adds.
“Remember this,” he adds. “Insurance companies are all about making money by finding reasons or excuses to deny your claim and avoid paying you insurance benefits. And this starts from your initial call to open a claim.”
Others say you should only turn to a lawyer if it’s a complicated claim with a high dollar value.
“If your claim is not a simple one and may involve interpretation of the policy, it is sometimes best to consult an attorney,” says Pamella Seay, who teaches justice studies at Florida Gulf Coast University. “Some attorneys may provide you with a review to give you some guidelines on what to do on your own, though most will not. If the amount is significant, engaging an attorney for a review and a letter may be reasonable. Otherwise, the cost of an attorney may be more than the claim itself.” (A lawyer letter is a demand letter sent by an attorney and a possible precursor to legal action.)
Even the insurance industry recommends a lawyer—to a certain point.
The Insurance Information Institute, an industry-funded trade group, issued a statement on how the claims process works. A troubleshooting tip on the list for difficult claims is “consult an attorney,” although it’s quick to add that the American Bar Association notes “many legal matters can be handled by consumers on their own, without a lawyer.”
Another good strategy for a large claim is hiring a public insurance adjuster. For example, after extensive home damage, a public adjuster can work with you to get the paperwork done, meet deadlines and advocate for you.
Can a Lawyer Help After Your Insurance Claim is Denied?
If you have to ask that question, it might already be too late, according to Brian Page, an associate attorney at Stewart J. Guss, a law firm specializing in injury accidents.
“If an insurance company denies your claim, it is unlikely they will change their position unless new evidence is presented,” he says. “This is why I generally recommend getting an attorney ahead of time, so you have the highest chance of having the claim approved from the start.”
However, if you’ve already had a claim denied, an attorney can help. An experienced lawyer can see the claim from all sides and know if there is any chance of getting the insurance company to reverse its position.
“Insurance companies are not afraid to deny a claim using shaky reasoning because an unrepresented claimant has no ability to seek a remedy in court. Insurance companies are far less likely to try to deny a valid claim when an attorney is involved,” he says.
Appealing a denial isn’t a matter of filling out a few forms or writing a lawyer letter to the insurance company.
“Often the process involves the exchange of information–referred to as discovery–legal filing deadlines, settlement negotiations and, quite possibly, a lawsuit,” says Stephen Riebling of Riebling & Payton, a law firm in New York state specializing in criminal defense.
Does Hiring a Lawyer Boost Your Chances of Success?
“Hiring a lawyer most definitely helps your chance of success,” says Sally Morin, a personal injury lawyer in California.
Why? An experienced lawyer will ask you a series of questions to evaluate your claim to determine if it is even worth pursuing. If you have a case, a lawyer will use their expertise to push your claim along.
“Insurance companies use a couple of tactics with people who are not represented by attorneys,” she explains. “If they know there is a valid claim, they will make a quick low offer in hopes that you take the money and run. If they know it’s going to take you some real work to prove your claim, they will straight-up deny it and hope that you just walk away. And frankly, many people will walk away. That’s what the insurance companies bank on.”
And that’s why hiring an attorney can improve your odds.
Ryan Babcock, an attorney with the Babcock Law Firm, a personal injury law firm in Georgia, says lawyers are sometimes necessary to overcome the insurance industry’s practices in dealing with claims.
“They deny, delay, and deflect legitimate claims by regular people, rather than adjust such claims fairly and quickly, as they should do,” he explains. “Many cases are too complicated to handle on your own, and hiring a lawyer is the best approach to handle the problem.”
Is a Lawyer Worth It?
Sometimes, attorneys will take an insurance claim case on contingency. That’s where you don’t pay unless the attorney wins your case. Standard attorney’s fees are usually 33% of the recovered amount if it’s resolved before a lawsuit is filed and 40% once litigation begins. For a smaller case, you might be able to file a successful claim or appeal with a lawyer letter, which could cost as little as a few hundred dollars.
Tina Willis, a personal injury lawyer in Orlando, Florida, says determining the value of an attorney is a simple numbers game. Often, insurance companies agree to settle a claim without being specific about the settlement amount. And that is—often literally—the million-dollar question.
“Because they can accept liability, yet still pay $10,000 on a claim worth hundreds of thousands, or even a few million dollars in extreme cases,” she says. “Insurance adjusters are well-trained to use tactics to lower claim value when paying. Those include asking innocent sounding questions to gather information that ultimately hurts the person’s case, or closing the claim long before all medical bills, and necessary medical treatment, or lost wages, or pain and suffering, are even known.”
But November, the attorney who handled the water damage claim, says the single most important decision isn’t whether to hire an attorney—but when to do it before it’s too late.
“Hire an attorney before a final decision is issued by the insurance company,” he says. “That is because once the mandatory appeal process has been completed, the only review available is filing a lawsuit in federal court.”
Barring an exception, federal court review is limited to the claim file created through the administrative appeal process. That means you can’t add any new evidence.
So should you hire a lawyer if your claim is denied? No, you should hire one before your claim is denied—and certainly before you’ve filed an appeal. A lawyer will take a hefty cut of your award or settlement. But getting something is better than nothing.
Important Information About Hiring A Car Accident Attorney
Whenever you have been injured in a car accident, you will have a much easier time getting the results you are looking for in your case if you work with an experienced attorney right away. Many people make the mistake of believing that their car accident case will be taken seriously and that they will get the compensation they truly deserve if they are open and honest with insurance adjusters, unfortunately, this is far from the truth. Insurance adjusters are predatory and only interested in finding ways around paying you the amount you deserve. Whenever you are months deep into negotiations with insurance adjusters about your accident, you will probably begin to see how much effort is being put into short-changing you for your injuries and property damages. Unfortunately, contacting a car accident attorney that late into the game will affect how much compensation they are able to negotiate for you. This is why you should always contact your Houston car accident attorney immediately following your accident. Do not share your account of the car accident with insurance adjusters until after you have spoken with your car accident attorney and received medical care.
Emotions are high after an accident and insurance adjusters will use this against you in order to complicate your position and have you speak with inconsistencies. These adjusters are trained to continue asking you the same question, or very similar ones so that you are unable to tell an accurate and consistent story about what happened during your car accident. Never fall for these tricks, instead work with Attorney Beverly R. Caruthers in Houston for all of your legal needs. Our team is dedicated to helping you get justice in your case.
Car Accident Help for Spanish Speakers in Houston
At the Law Office of Beverly R. Caruthers, we fight for justice in your case! Our team refuses to let a language barrier affect your right to getting a fair insurance settlement in Houston. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you. We make it simple for those who have been injured in car accidents to navigate the legal system in order to get the results they need to continue on in their lives. Schedule your no-obligation car accident consultation with Attorney Caruthers today. Our team will work with you every step of the way to ensure your needs are being met and that you are getting the treatment you deserve in your car accident case. Don’t hesitate, the sooner you call the more we can do to help your case!
Best Car Accident Attorney in Houston TX
If you have been injured, experienced loss of income, or are unable to work because of a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you! Our team works hard to bring the most efficient and practical solutions to your car accident case. Beverly R. Caruthers proudly serves and defends the Greater Houston area including but not limited to Baytown, Conroe, Crosby, Humble, Huntsville, Lake Jackson, Missouri City, Pasadena, Spring, Tomball. Our legal team is bilingual and offers Spanish-speaking legal counsel for all of our clients. If you need legal representation following an incident don’t hesitate to contact Beverly R. Caruthers Law Office!