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Do I Need to Hire a Personal Injury Lawyer for My Accident Case?

by | Aug 12, 2022 | Car Accidents

Accident victims frequently wonder, “Do I even need to hire a personal injury lawyer for my accident case?” Many times, the answer is no, especially if the accident is minor and there are no serious injuries.

However, if you were seriously injured in an accident, you should always work with an experienced personal injury attorney.

Here is When You Don’t Need an Accident Lawyer

Do I need a lawyer after a car accident? Generally, for many smaller personal injury cases, you probably don’t need a lawyer. This is true for several different reasons. Specifically, the presence of the following three factors indicate that you might not need professional legal help:

  1. The insurer is fully cooperative: Insurance companies are generally more responsive to claimants who are seeking a small payout, rather than large settlements. If you are seeking a smaller amount of money, there’s a good chance the insurance company will work with you. There are several different reasons for this, but the biggest one is simply pure economics. Insurance companies do not want their representatives, who are obviously paying a salary, to spend hours and hours dealing with a very small claim. They have more incentive to settle the case for a fair price and simply move on.
  2. You have a simple, straightforward claim: Next, as you would probably expect, smaller cases tend to be far less complicated than larger cases. A lawyer may simply not be necessary to build a legal case regarding liability or your damages in a small case. Of course, if you simply do not understand your claim, it is a good idea to reach out to a local accident attorney who can offer you a free review. That being said, very small cases can often be handled by claimants on their own.
  3. There is no room to add value: Finally, with small claims, there may simply not be enough room for a lawyer to add any real value. This is true for the reasons already mentioned (the insurance company’s willingness to cooperate and the simplicity of the claim) but it is also true because an attorney’s time costs money. But if there are serious injuries, an experienced attorney can help maximize the value of your case.

Here is When You Do Need a Lawyer After for Your Injury Lawsuit

The larger the case, the bigger the injuries, the more damaging it is to your work life, your body, and the more medical bills there are, the more likely it is that you do need a lawyer.

When you get into a case where the insurance company is looking at having to pay out a significant sum of money, you will typically find that the agent you’re talking to doesn’t have the authority to pay anywhere near what the case is worth. To give you more perspective to assess this issue, we have put together a list of four signs that indicate you should hire a personal injury lawyer:

  1. You’ve sustained severe injuries: Above all else, if you sustained major damage in an accident, you should always work with an experienced personal injury lawyer. This is especially true if you have complex damages such as long-term/likely future medical costs, lost income or pain and suffering. As these damages are inherently more difficult to value than are already incurred medical bills, insurance companies often try to take advantage of that difficulty, in order to push victims into low, unfair settlement offers. Sadly, the insurer may try to dramatically undervalue your claim. TJ can help you get fair compensation that accounts for the true value of your losses.
  2. Fault for the accident disputed: Kentucky is a no-fault state, meaning that vehicle owners can “opt out” of the no-fault car insurance system and choose to sue (and potentially be sued) after a car accident. No fault insurance takes the form of “personal injury protection,” or PIP coverage, which can pay up to $10,000 for medical bills, lost wages, and other costs pertaining to the accident. However, Kentuckians can choose to opt out of this model, and in these cases, fault for the accident may be disputed and lead to a lawsuit. In these situations, a lawyer is a must-hire.
  3. You were offered less than a full settlement: Under the law, victims are entitled to compensation that is equal in value to their damages, both economic and intangible. If the insurance company refuses to offer you a full settlement for your injuries, you should not accept their unjust offer. You are owed full compensation and a lawyer can help you take the appropriate steps to obtain the settlement offer that you rightfully deserve.
  4. You are being ‘stonewalled’ by the insurance company: Finally, unfortunately, in some cases, victims may find themselves stuck dealing with an insurance company that is completely uncooperative. Indeed, you may even find that you have a hard time getting your phone calls or e-mails returned by this type of company. If you are dealing with an insurer that is non-responsive or seems to be treating you unfairly, please reach out to a lawyer for immediate assistance.


Do You Need a Lawyer? It’s Always Better to Check

Attorney T.J. Smith

Personal injury cases can be complex and require significant experience and expertise. The bottom line: If you have questions or concerns about your case, or your potential need for legal assistance, the best you can do is to check and make sure. What I always suggest is just give TJ a call. If we think you need a personal injury lawyer, he will tell you why. If he thinks you don’t need a lawyer, he’ll tell you why, and then you can make your own decision with some additional information from us.

An initial consultation with the experienced personal injury team at TJ Smith LLC is free of charge, with no strings attached and no hidden obligations. TJ himself will review the circumstances of your case, and use his decades of experience to give you advice on how to move forward with your claim. From there, you will be able to make the decision that is best for you and your family.

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