When you’re involved in a car accident, the stress of dealing with the law, insurance companies and everyone else involved can be overwhelming. Having an experienced car accident lawyer working for you can help you through the process and any personal injury lawsuit that follows the accident. Here are 5 of the top reasons to retain a lawyer after being involved in a car accident in Montana.
1. Experience Negotiating With Insurance Companies
Being involved in a car accident that results in an injury may be the first time you are forced to submit a serious claim to your insurance company. Many people in Montana fret that submitting a claim to their insurance carrier will result in a premium increase. However, this should not be a cause for concern where you did not cause the accident. For example, claims for underinsured and uninsured motorist coverage are filed under your own insurance for car accidents caused by other negligent drivers. It makes little sense for an insurance company to penalize you for accidents caused by other drivers. If you paid a premium for auto insurance and were injured in a car accident by another driver in Montana, there is no reason to hold off on submitting a claim under your own insurance policy. Studies have shown most people submit a claim for a car accident just once every 18 years. Insurance companies on the other hand deal with hundreds of claims every single day. They have entire teams of adjusters, consultants, and lawyers to help them find ways to pay out the least amount of compensation for an injury claim. Hiring a lawyer experienced with Montana car accident law is essential if you want to maximize your settlement outcome, as the right lawyer will have years of experience dealing with insurance companies.
2. Peace of Mind
If you are injured in a car accident, your #1 priority should be your health and recovery. Battling with insurance companies and other legal entities is sure to add unwanted stress to your life, and complicate the recovery process. After enlisting the services on an attorney, you will be able to focus on your health and well being, leaving the legal analysis, negotiating and paperwork to your lawyer.
3. Experts in Montana Car Accident Laws
The laws regarding car accidents & personal injury claims differ from state to state, and you could miss out on your opportunity for compensation if you do not follow the deadlines imposed under Montana law.
Determining who is at fault in an accident can be different in each state as well. Montana employs a modified comparative fault system, which differs from a standard comparative fault system and the no-fault system. This can have a significant effect on your recovery and negotiating power. Retaining a car accident lawyer who is experienced in Montana will help ensure that all legal factors are fully considered early on in your case.
4. Explaining your settlement options
Most lawsuits stemming from car accidents do not go to court, rather they end in a settlement negotiated by both parties. An experienced trial lawyer who is prepared to take the insurance company to trial if they do not fully compensate you for the harm they have caused, will have far more bargaining power than a lawyer who is not prepared to go to trial. Having an experienced lawyer’s objective opinion is important in evaluating your injury claim, as you may be inclined to accept a quick settlement to end the process when you may be entitled to much more compensation for injuries that could permanently affect you.
5. Gathering Evidence
Without a lawyer, you will be forced to obtain all medical records, insurance policies, police reports, witness statements, receipts and other proof of damages in order to prove your claim. This can be complicated and time consuming and is not recommended while recovering from a car accident injury or if you are not intimately familiar with personal injury law in Montana. Many individuals unknowingly cause irreparable damage to their car accident injury claims through their actions while they are unrepresented by legal counsel.
To find out how one of our experienced Montana car accident lawyers can help you after an accident, please contact us.