Should You Hire an Auto Accident Attorney?
If you have been injured in an automobile accident and have incurred various expenses, such as medical costs, then you will probably want to consider filing suit against the other driver or drivers involved in the accident. If you are planning on seeking compensation for car accident injury claims, then you may want to hire an auto accident attorney.
There are multiple factors that you should ponder before making the decision to hire an auto accident attorney. These factors include whether you or the driver involved is covered by no-fault auto insurance and the strength of your potential auto accident lawsuit.
No-Fault Insurance & Auto Accidents
Some states have what is known as no-fault automobile insurance, also known as personal injury protection. In fact, some jurisdictions require no-fault coverage.
No-fault auto insurance covers what are typically referred to as economic damages. These damages include medical costs and lost wages due to injury. For example, if you suffer a car accident back injury and are unable to work for a week, no-fault insurance would not only pay for your medical expenses related to your back injury, but also your wages for the week that you couldnt work. However, there are stipulations as to when the coverage applies; therefore, coverage is not guaranteed.
In many states, no-fault coverage does not cover certain expenses. In addition, there is often a payout limit. This means that if your medical costs exceed a certain amount, then the insurance company will not pay you for any expenses over the limit. In addition, no-fault coverage does not pay non-economic damages, such as pain and suffering.
Although most states have no restrictions on when you can sue the driver at fault even if you have no-fault coverage, some states do. If you are unsure whether you are able to sue because of no-fault coverage, then you should consider hiring an auto accident attorney to help you better understand your states laws. If you discover that you are able to file suit, then an attorney can help advise you throughout the course of your lawsuit.
Basis for a Personal Injury Lawsuit
You also need to consider whether you have a basis to file a personal injury claim. Without a basis for your lawsuit, then your case does not stand a chance in court. If this is the case, then you wont need to hire an auto accident attorney.
Specifically, to have any basis for an auto accident personal injury lawsuit, you will need to prove that the other driver was at fault and was not practicing reasonable care. Drivers all have a duty of care when operating a vehicle on the road. This duty of care includes driving at a reasonable speed, keeping the car under control, and driving defensively, which means anticipating accidents and avoiding them.
If the driver did not exercise the duty of care properly and there were no other intervening factors, then you will likely have a strong case and should consult with an auto accident attorney. If you are unsure if a duty of care has been breached, you should still consult an attorney who may be able to give you professional insight on the matter.
Contacting an Auto Accident Attorney
Given that there is no reason for you not to sue, you should reach out to an attorney. Schedule an initial consultation with one or several lawyers before choosing which one to hire to represent you in your case. Ask as many questions as necessary to better understand the issues in your case. Finally, remember to exchange contact information with the auto accident attorney in case you do decide to hire him or her in the future.