Filing a claim after being in an accident may seem like a straightforward thing to do. You may think you will be saving some money by not getting legal representation and tackling the entire process on your own. If so, Steven M. Dunn, P.A. knows you are not alone. Plenty of people believe they have what it takes to file a claim on their own. However, the results may not be what you expected, and halfway through the process, you may reconsider and want legal help. The question is: is it too late to get help from an insurance attorney? Read on to find out.
Hiring an Insurance Attorney After Filing a Claim Yourself
There is one fundamental point that must be true for you to be able to get legal representation after filing a claim on your own. That is: you must not have accepted a settlement check from the insurance company or signed any contract stating that you are satisfied with the payout offered and consider the case to be settled. If this is your case, obtaining legal help is still possible.
Will an insurance attorney coming in at this late hour affect my claim?
Ideally, you should have an insurance attorney by your side from the very beginning. However, that is not always feasible, and the longer you wait to have an insurance attorney in the picture, the more problems you might encounter. These are just some of them:
Evidence May No Longer Exist
Your attorney will rely heavily on existing evidence to build a strong case for their clients. When evidence exists, it can be a useful tool to prove who was at fault and the extent of the damages and injuries. When evidence is missing or incomplete, the insurance company will be less willing to offer a larger payout.
The Statute of Limitations May Expire
The law states that you only have two years from the day of the accident to file a lawsuit for compensation. If you have done things on your own and the insurance company has been giving you the runaround, then once the two years are over, not even a great lawyer can do anything to help you.
You May Feel Pressured to Accept a Low Payout
As time passes, your medical bills and other expenses may start to pile up without a final answer from the insurance company. When this happens, it is common for people to accept the low amount simply because the burden of carrying so much debt becomes unbearable. Your attorney will have the negotiating skills to put pressure on the insurance company to give you the compensation you deserve.
How can an insurance attorney help you once the claim has been filed?
There are many reasons why an insurance attorney may help you even once the claim has been filed. Here are some of them.
You Are Tired Of The Back And Forth With The Insurance Company
At this time, you may have to deal with injuries, medical appointments, and treatments while the insurance company does not move your case forward. Legal representation will allow you to concentrate on recovering your health while the professionals handle the claim.
You Have Decided To Take Your Case To Court
If the insurance company refuses to pay the money you are owed, there may be no other recourse but to take them to court. Without a lawyer, you stand almost no chance of success in court.
Your Claim Has Changed
As weeks and months go by without a payout, you may realize that your injuries are graver than you initially thought. When issues change, you need an insurance attorney by your side.