If Your Car Accident is Minor and You Don't Have Serious Injuries You May Not Need a Car Accident Lawyer
That's not what you expected to hear from a law firm, right? Here's the thing: one of the hallmarks of our practice is that we don't pretend like you need a lawyer when you really don't. If you're in a fender bender, you have minor injuries, and you're back to work, then you probably don't need a lawyer.
In our view, people need lawyers for car accidents when they are devastated by a serious car accident. Those who need surgery, can't work for a long time, and have permanent injuries and other legal issues - like multiple, complicated insurance policies to deal with - may need a lawyer.
You know those three-car crashes where the cars are totaled, that happen too frequently on the beltway? Those people probably need lawyers.
There are all kinds of things that can go wrong in a serious car accident, after the fact. One glaring example is if the person who put you in the hospital doesn't have enough insurance to cover your medical treatment. We see that happen more often than we would like.
Do You Know What Your Car Insurance Policy Says?
Car insurance policies are kind of like onions - at least they can and they should be if you are interested in being fully covered in case you're in an accident. In addition to being robustly covered by liability and bodily coverages in your policy, it's also very smart to carry underinsured motorist coverage (UIM) and uninsured motorist coverage (UM) as well as medical payments coverage - which will take care of you if you are hit by somebody who carries the minimum (25k) or worse, none at all.
You want to be in the situation where the longer you are treating for your accident-related injuries, the more the insurance policies and coverage come out of the woodwork to offer you more money to cover your medical treatment, lost wages, and pain and suffering.
Do You Have Uninsured and Underinsured Motorist Coverage?
We talk about UIM and UM coverage all the time because let's face it- it's heartbreaking to see someone physically and emotionally devastated by someone else's reckless driving only to discover that they will be responsible for thousands and thousands of dollars worth of medical expenses because the other driver only carried the minimum. Check your policy to makes sure you're covered. You never know what other people out on the road are carrying - it could be nothing or the legal limit at $25,000. You don't want to get caught in that situation.
Do You Need a Car Accident Lawyer to Help You With Your Insurance Claim?
So, to answer the original question - do you need a lawyer for your accident case? The answer is, it depends. And if you're not sure, give us a call at 202-393-3320 and we will be happy to answer your questions and provide you with some free resources that can help you make that decision. If you want to learn more contact us today to begin to ask the big questions - the questions that really matter if you are in a serious car accident. You'll speak to a real person who wants to hear your story today.