Attorney Patrick O'Hara

Why Hire an Attorney for a Car Accident Claim?

O'Hara Law Firm Feb. 1, 2017

1. Higher Settlement Value

Insurance adjustors often attempt to take advantage of injured people who are not represented by counsel by making low settlement offers and refusing to increase their offers. Insurance adjustors know that most unrepresented parties do not have the knowledge and means to pursue a lawsuit without an attorney. Thus, an injured party can threaten all he or she wants, but the only way to force an insurance company to pay more is by filing a lawsuit. When an attorney with a reputation for filing lawsuits represents an injured party, the insurance adjustor knows a low settlement offer will not settle the case.

In addition, the lawyer knows how to increase the value of your case by obtaining evidence of lost wages, gathering all medical bills and obtaining other information in the format that auto insurance companies will accept as adequate proof of damages.

2. Access to Medical Treatment

Experienced personal injury attorneys typically can help injured clients obtain medical treatment. If a client does not have medical insurance, an experienced personal injury attorney can help the client find a doctor who will treat the injured person without insurance.

3. Reduction of Medical Liens

When settling with the auto insurance company, the injured party has a contractual obligation to reimburse his or her health insurance and pay any unpaid medical bills. If an injured party accepts a settlement and does not reimburse the health insurance for the lien, the health insurance company may pursue a claim against its insured for nonpayment. Experienced personal injury lawyers will make sure the lien is paid and help reduce the lien amount in some circumstances. Non-ERISA health insurance policies have to pay for their proportionate share of attorneys’ fees, a benefit to the injured client.