It’s generally straightforward and routine dealing with the consequences of a car accident if you live in a no-fault state or it was a minor accident. Typically, your deductible is the only out of pocket expenses you’ll incur and of course, you’ll have to notify your insurance company who will then investigate exactly what happened. However, it isn’t quite so simple if the other party sustained injuries or there was significant damage to property, or you carry the absolute minimum in coverage on your car insurance. The other party involved may well choose to hire a car accident lawyer in any of these scenarios. However, you can rely on your insurance company to help you out most of the time, and you don’t necessarily need to hire a car accident attorney yourself.
Do You Need a Car Accident Lawyer?
In cases where the fault is yours, your car insurance company will help to defend you, which comes as a surprise to many of us who think all they do is pay your claim. Always contact your insurance company immediately following an accident; like you, they want to avoid paying more than they have to settle a claim.
If the insurance claim doesn’t compensate for the total amount lost, another driver may choose to sue using an ICBC Personal Injury Lawyer Vancouver. The other driver may assume that you are going to be responsible for the difference if the personal injury protection limits of your policy don’t cover the entire cost of their medical bills. They may be thinking about suing you if the accident means they can’t work, are losing wages or income, have a high deductible or co-payment or don’t have any health insurance.
You should be aware that you will be responsible for paying the difference if your insurance company can’t settle within the parameters of your coverage and if the judge rules for the other party. And you will also be responsible for the costs of hiring an attorney if you decide you need a car accident lawyer, even though your insurance company will defend you.
Have Adequate Car Insurance
State limits for coverage are often just not adequate, making it a must to carry high liability insurance. An umbrella policy or the extra coverage can make a big difference and can potentially avoid a lawsuit. Take a look at our article explaining clearly and simply just how car insurance works if you find the whole subject confusing.
When To Hire a Defense Attorney
Unfortunately, sometimes you need to hire a defense attorney, regardless of any protection that may be offered by your car insurance company. If criminal negligence or manslaughter or other criminal charges are pending as a result of the accident, you will need to find a good attorney to represent you. You will have one appointed by the court if you don’t or can’t hire a good car accident lawyer yourself.
However, the defense of your case can be handled adequately by your car insurer unless there are criminal charges against you. And you always have the right to pay for the services of an attorney who is comfortable defending personal injury cases, if you just aren’t happy with the defense offered by your own car insurance company.
If you do retain your lawyer to help you, it’s important to remember that from that point on, all communication will be through your attorney. Your car insurance company won’t communicate with you about the accident or the case.