Should I settle or hire a lawyer?
This is a great question that should always be asked before accepting any offer made by an insurance company in a personal injury case. In fact, this is the number one question I am asked. So, how do you find the answer? Unless you have been through this before, you should call an experienced personal injury attorney. Nearly all of them offer a free consultation, which should include a ballpark evaluation of your case.
When you compare the value with the adjuster’s offer you must factor in the lawyers’ fee to see if it makes sense to hire an attorney. For example, the adjuster offers you $12,000 to settle your case. As a result of the free consultation you learn your case is worth about $15,000. If the lawyer can get you the $15,000, but charges one third of the value of case, you end up with less. That’s simple arithmetic. Try to make the decision analytically based on finances rather than emotion.
The settlement amount is not the only factor
The amount of the settlement is not the only reason to hire a lawyer. In many cases, the lawyer will find doctors that will await payment so you don’t have to front money for your medical treatment. Also, when the case is over most lawyers will negotiate with the doctors and hospitals to reduce their bills, resulting in more money to you. I’ve even had cases where the medical bills were far more than the insurance coverage. Making sure the client didn’t owe anything when the case was over eliminated a great deal of stress for them.
Bottom line: get educated about your case before you make a decision. At Hirsch & Lyon Accident Law the consultation or case review is always free. Call us a call at 602-535-1900 and we will answer that question today.