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Do I Need a Philadelphia Personal Injury Lawyer After a Car Accident?

February 13, 2018

When you’ve been injured in a car accident anywhere in or around Philly as a result of the carelessness and negligence of somebody else, it’s going to operate in your best interests to retain a Philadelphia car accident lawyer right away to help you with your personal injury claim. Accident victims have rights that need to be protected and invoked. If you try and represent yourself, the insurance company on the other side of your claim will want to whittle away at those rights until such time as you have few of them left. Once you’ve allowed that to happen, you’re not likely to get those rights back.

Retaining a Philadelphia car accident lawyer postures your personal injury claim properly. Here are just some of the benefits of hiring a personal injury lawyer and how he or she can help you with your claim or lawsuit.

Confronting the Opposing Insurance Company

Insurance companies can be so large that they sell their stock on the New York Stock Exchange. Allstate, State Farm and Nationwide all do. What they have in common is that they’re in business to make money. They collect premium checks and deposit them. Then they invest those premiums to make more money. They don’t like having their investment money taken away from them when they have to pay damages to somebody. Most insurers will do whatever they can legally do to either devalue a claim or deny it in its entirety to keep their bottom line healthy and investors happy. That includes obtaining a statement or a general medical authorization from you that will only be used against you in the future. Good personal injury lawyers don’t allow those things to happen.

Proving Liability

Unless you were sitting at a red light and rear-ended, proving liability might be one of the most difficult tasks in a case. If you can’t do that, you’re not entitled to any compensation at all. We gather and build all of the evidence surrounding your accident into a compensable claim. That evidence typically consists of the following:

  • Medical bills, records and reports
  • Proof of lost earnings
  • Statements of any occurrence or post-occurrence witnesses
  • Police and attending paramedic reports
  • Photographs of the vehicles of the parties
  • Any security or traffic cam videos that might show the crash
  • Traffic accident reconstruction experts when necessary

Maximize a Settlement or Verdict

Remember, insurance companies are in the business of cashing premium checks and not paying out fair and just settlements. An insurance adjuster’s job is to save the company money that it would otherwise have to pay out. Accident victims aren’t going to learn the law of civil procedure or evidence over the internet. That takes a proper educational background and experience. Insurance companies will lull you into a false sense of security in order to have you make mistakes, and then they’ll use those mistakes against you. The law is unforgiving. Your case can suffer by thousands or tens of thousands of dollars. The job of a personal injury lawyer is to properly present all of the evidence and negotiate in the best interests of their client in order to maximize any settlement or verdict that the client might receive. Thorough and careful preparation by a highly trained and experienced attorney gives clients a distinct advantage during settlement negotiations.

If you don’t hire a seasoned Philadelphia personal injury attorney to represent you in your claim, the opposing insurance company is going to stand on its low settlement offer. It knows that you don’t know how to effectively proceed any further. It also knows that you’ve made mistakes that will be used against you. You’ve devalued your own case and raised genuine issues about your credibility without even knowing it. That’s just not going to happen with a quality Philadelphia personal injury lawyer at your side.

Posted in: Car Accidents