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July 4, 2023

Do Personal Injury Lawyers Get You More Compensation From Insurance Companies After Car Accidents?

by Evan Breaux | Personal Injury Lawyers | 0 comments

In this article, we discuss why hiring a car accident lawyer will help you receive fair compensation for your losses and damages, plus the answers to frequently asked questions about how hiring a lawyer can help car accident victims when it comes to dealing with claims and insurance companies.

The short answer is: yes, personal injury lawyers are statistically more likely to help you, as a victim of a car accident, get more compensation from your insurance company

Under Louisiana Auto Insurance law, motorists must carry liability coverage on any automobile they own. This auto insurance is a purchase you make as a consumer in order to protect you from financial loss due to property damage, medical bills, legal fees, or lost income after a car accident. Ideally, your auto insurance provider should understand, respect, and honor agreements with its clients. 

Whether a local or nationwide company, your auto insurance agency should answer all of your inquiries and assist you in every situation, nurturing your relationship as a business and client. You are paying them for their help in representing you and your needs, and after a car accident, that is even more important. It’s what the insurance company is there for.

On top of that, insurance in Louisiana is not cheap!

According to a study conducted by the Insurance Research Council in 2018, Louisiana has some of the most expensive auto insurance costs in the US.

With the cost of auto insurance in Louisiana significantly higher than in the rest of the US, we also have a higher percentage of uninsured drivers—a factor that keeps our auto premium costs high, perpetuating a costly cycle for residents of New Orleans, Baton Rouge, and other cities across Louisiana. 

However, even though you are paying a high premium for auto insurance, not all insurance agencies can meet the expectations you have for how they should run their business or treat you as a client.

You might have unwittingly chosen a second-rate insurance company that is unwilling to fight for you or to see your side. Or you as the policyholder might disagree with your insurance agency on the settlement. In these situations, hiring an accident lawyer may be necessary.

One reason for our high cost of auto insurance is the frequency of auto accidents and resulting injury claims, many of which involve attorneys and legal action. For example, the study found that in 2017, Louisiana had the highest rate of bodily injury liability claims in the US, almost double the rate in the rest of the country. 

The Insurance Research Council reports that in 2017, 54% of Louisianans involved in car accidents hired personal injury attorneys, and 16% of Louisianans were likely to file lawsuits. Both of those percentages are 6% higher than the rates in the rest of the country. 

With the cost of auto insurance in Louisiana significantly higher than in the rest of the US, we also have a higher percentage of uninsured drivers—another factor that keeps our auto premium costs high, perpetuating a costly cycle for residents of New Orleans, Baton Rouge, and other cities across Louisiana. 

However, even though you are paying a high premium for auto insurance, not all insurance agencies can meet the expectations you have for how they should run their business or treat you as a client.

You might have unwittingly chosen a second-rate insurance company that is unwilling to fight for you or to see your side. Or you as the policyholder might disagree with your insurance agency on the settlement. In these situations, hiring an accident lawyer may be necessary.

Why Do Claimants Hire Attorneys for Insurance Claim Settlement?

Almost half of the auto injury victims hire attorneys to settle their compensation claims. The widespread reason to hire attorneys is to get the highest settlement possible from the insurance. Recent studies show claimants consult or take help from attorneys because of delays in getting the claim settled on their own and they are unhappy with the settlement amount offered. 

Personal injury attorneys know how to accurately calculate the right amount of compensation for physical injuries, trauma, vehicle damage, and other losses due to the accident. Auto accident injury victims can manage a fair amount of settlement money and better results with the assistance of a lawyer.

How Does a Car Accident Attorney Specifically Help You as a Driver?

If you and the insurance company are not seeing eye to eye on your claim, or if you feel you are not being listened to or respected by the insurance agency or insurance adjusters, you should seek the assistance of a personal injury lawyer. 

A personal injury attorney offers you not only guidance through the legal process but will stand up for you and push back against tactics an insurance company may use to dissuade you from pursuing legal action or to encourage you to settle for a smaller amount than you deserve. 

As a victim of a car accident, having a personal injury attorney on your side means you have a much higher chance of getting the full breadth of your injury and property damage costs covered. 

One reason for this is that personal injury attorneys can accurately calculate the total costs associated with your injuries, loss of income, and property damage. In addition, personal injury attorneys understand the long-term, lasting effects a victim of a car accident could possibly encounter and will work with your medical team to assess those estimated long-term effects. 

Personal injury attorneys also understand how to calculate the projected loss of income or lost wages, if, for example, the long-term effects of your injury will decrease your productivity or efficiency at work. The average driver handling a claim with an insurance company on their own is unlikely to know how to make such important calculations and may misjudge the severity of his or her pain and suffering. 

In addition to working with your medical team to accurately assess injuries, a personal injury attorney may work with a team of investigators, the police, accident recreation specialists, and other professionals in order to gather sufficient details to ensure everyone who is responsible for the accident is held accountable.

Auto manufacturers, bartenders or drinking establishments, mechanics, and even the government could all be held responsible if the accident was caused by another person’s failure to follow the law or do their job. Again, the average driver making a claim on their own may not understand the full complexity of the situation.

As a result, working with an experienced personal injury attorney is the most important way to ensure you receive maximum compensation for your car accident claim. In short, a car accident lawyer can help, and it’s a good idea to work with one of these highly trained professionals if you’ve been injured in a car accident. 

FAQs

If I Hire a Car Accident Lawyer, Will They Communicate with the At-Fault Driver’s Insurance Company?

Yes, hiring a personal injury attorney after a car crash means they will handle your car accident claim by communicating with the insurance company and the at-fault driver, plus all additional elements of your case. For example, they may want to speak with every person involved in a car accident. They will explore every detail of your car accident injury. All of this information will be used to file the strongest possible personal injury claim with the at-fault driver’s insurance provider. 

Will a Car Accident Attorney After a Car Accident Negotiate with the Insurance Company?

Yes, a lawyer can negotiate with the at-fault driver’s insurance company. An experienced car accident lawyer will help you with all steps of your personal injury case, whether that means filing a personal injury claim or settling out of court. A lawyer knows how much a personal injury claim is worth, and has a history of dealing with the insurance companies in your state. They know that insurance companies have a team of lawyers who are out to deny claims, deny liability, avoid paying, and save the insurance company’s money. Knowing these tactics, your lawyer will do whatever it takes to represent your case and to convince the insurance company to accept your claim. In addition to understanding the insurance provider’s often dishonest approach, their extensive knowledge of personal injury law after four years of law school and rigorous examinations makes it easier for a lawyer to handle an insurer, rather than trying to do any of this on your own as a victim. After all, this is your lawyer’s job!

How Can I Be Sure that it’s Worth Hiring a Personal Injury Attorney?

After a car accident that wasn’t your fault, an experienced car accident attorney can help you file a claim and seek compensation. They fully understand the ins and outs of car accident cases. While it can’t be guaranteed that they will succeed in winning you a certain amount of money, a lawyer can take your case off your shoulders and guide you along each step of your car accident injury claim. That relief alone is why it’s absolutely worth it to hire an attorney.

But if you’d like an example of why it’s worth it to hire an attorney after a car crash, here’s one: In 2015, Breaux Law Firm began working with a young mother who had been rear-ended in New Orleans, suffering neck herniations and back pain. Yet the insurance company unfairly denied liability. After three long years of fighting, including setting a date for the trial, a settlement was reached and our client was awarded $250,000 for her injuries. Had the victim attempted to deal with the at-fault driver’s insurance provider on her own, her claim would have simply been denied, without any payment. But thanks to our help and year-long perseverance in fighting back against the unfair practices of this insurance company, we were able to win her the maximum compensation possible. We were proud that this hardworking young mother was able to receive the full amount of compensation she deserved after being injured by a reckless driver. 

Furthermore, here’s another example of a Breaux Law Firm client who was initially offered a measly $70,000.00 for his injuries after another driver ran a stop sign. We fought back, and the case was finally resolved at mediation, where our client was awarded a $499,000.00 settlement. This is one concrete example of why working with a personal injury attorney is always worth it, and will win you a fair compensation to cover the full extent of your injuries, damages, and losses after a vehicle collision.

How Do I Hire a Car Accident Lawyer?

Hiring an attorney is easy, and doesn’t actually cost you any money. There are no initial lawyer fees. After a car crash, you can set up a free consultation with a car accident lawyer, and this experienced lawyer will listen to you explain the details of your motor vehicle accident case. You could even have a consultation with a few different firms or attorneys, to be sure that you have the best lawyer on your side. This person should listen to you explain the extent of your injuries, show you respect, treat you kindly, and be readily available. While a lawyer can help you receive full compensation after you have experienced a car accident, what they should really do more than that—like our team at Breaux Law Firm, they should go above and beyond when it comes to how they treat you, their client. Once you’ve chosen the right legal representation for you, your lawyer will begin tackling your case.

Involved in an accident? Call Breaux Law Firm today. We’re the New Orleans car accident attorney for you. As Louisiana car accident lawyers, we’re always ready to fight for your rights and fair financial compensation after any type of accident. It’s easy to set up a free consultation to discuss the details of your accident, injury, and recovery. Call now for your free consultation: (504) 882-0554.