Not all car accidents are the same. As experienced Houston car accident lawyers, we have received calls from many people wondering if they need a lawyer following a wreck. Our best advice is to analyze your case and, in particular, the types of losses you have suffered.
For example, if you suffered a personal injury, then hiring a lawyer can make a considerable difference to your case. It is possible to leave a considerable sum of money on the table if you don’t get legal help. In contrast, if all you suffered was damage to your vehicle, then you can negotiate a claim on your own. We explain why below.
Car Damage is Less Subjective
Accidents causing only car damage present less controversy than those with bodily injuries. To get your car fixed, you will take it to a body shop and get an estimate. The insurance company might tell you to take it to a shop in their network. The cost to fix a damaged vehicle is standard, and there is no real haggling.
Can disputes arise in this type of case? Of course. As an example, the insurer might allege you actually totaled your car on your own, so you don’t deserve compensation for repairs. However, you can still negotiate a settlement on your own for car damage by following these steps:
- Gather evidence that shows how the accident happened. This could be witness testimony or dashcam footage.
- Demand that the insurer pay more to fix your car. Remember, they only need to get it fixed so that it’s in the condition it was in on the morning of the crash.
- Get other repair estimates if you believe the insurer is lowballing you. These other estimates allow you to negotiate from a position of strength.
At Husain Law + Associates, we don’t handle car accidents that result in only car damage. But most people can happily settle their claims for fair value.
The Settlement Value of Bodily Injuries is More Subjective
If you suffered a bodily injury in a crash, then we might be able to help you. You probably need a lawyer.
One reason is that the settlement value of your claim is more subjective. True, losses like medical bills and lost income are easier to calculate. But you can also receive compensation for pain, suffering, emotional distress, and other losses. There is no “market rate” that tells you how much these intangible losses are worth.
Don’t be surprised if an insurer tries to minimize your suffering. An attorney can collect relevant evidence and demand more compensation.
Bodily Injuries Are Usually Worth More When Compared to Vehicle Damage
This is another reason to get a lawyer if you suffered bodily injuries. Your claim is probably worth more than if your car suffered some dings. Serious bodily injuries like fractures, head injuries, back injuries, and concussions could be worth six or seven figures.
With this kind of money in dispute, you can expect an insurer to negotiate aggressively. They are trying to limit the amount they pay.
Call Husain Law & Associates Today
We know the loopholes and “tricks” insurers use to shortchange personal injury plaintiffs. By working with our firm, you can be confident that we’ll maximize your compensation and help you get back on your feet. Contact us to schedule a free consultation today.