You can sue an insurance company without a lawyer, because in many truck accident cases, for example, negotiations for a fair settlement do not involve lawyers since most of these accidents are not severe and cause only minor injuries. Still, it pays to engage one of our attorneys who will fight for the compensation you are entitled to. Call Morelli Law Firm at (212) 751-9800 for legal advice.
Some accidents lead to severe injuries, which often demand expensive surgeries and aftercare treatment. In other cases, an accident can lead to the death of a family member. In both instances, it is not encouraged to represent yourself, even if you have conducted in-depth research.
Numerous factors will determine whether to engage a lawyer in your legal battle or settlement offer.
The Severity of Your Injuries
If you sustain minor injuries in a dog attack or suffer insignificant bruises after a slip and fall accident in a mall parking lot, the settlement is quite straightforward. It might not be hard for the insurance company to accept to settle your medical bills and property damage, if any.
However, some accidents can result in more severe injuries, for example, brain damage, spinal cord injury, and paralysis. Surgeries and other medications for such injuries are expensive. An insurance company might offer you a settlement amount that does not factor in all the aspects of the chronic conditions you sustained as a result of the accident.
Thus, a personal injury lawyer can help to assess the situation before proceeding any further. You can do this alone, however.
Adequacy of the Evidence
You will need sufficient proof to make a fruitful insurance claim, especially when the application involves enormous sums of money. There are various types of evidence that you can collect, such as:
- Medical expenses receipts
- Photos of injuries
- Eyewitness testimonies
- Doctor’s report
- Police report
Without evidence, the court or the insurance company will assume that you are lying about your injuries or overstating your damages. If you cannot obtain sufficient evidence for your case to sue an insurance company without a lawyer, connect with one of our attorneys at Morelli Law Firm. Contact us now at (212) 751-9800.
Evidence of the Other Motorist’s Fault
Sometimes it can be evident that the other driver was at fault, but not everyone will admit to you and the police that they were at fault. Once the case police officers document the confession in their report, your situation might be easy to handle without a lawyer.
However, there is always a dispute about the driver at fault when car accidents happen. In most cases, the other driver makes a counterclaim, especially when it is not clear who caused the accident. In such circumstances, guidance from an attorney helps because chances are that the other driver already has a lawyer on their side.
Do not proceed with your claim against the other party’s insurance company until you have sufficient implicating proof that they were at fault too.
Insurance Company’s Complete Acceptance of Responsibility
You can proceed with suing for compensation if the other motorist’s insurer has entirely accepted fault. Ensure the admission is done in writing, and witnesses are present.
Do not be too quick to take the amount of settlement the insurance company initially offers. You might accept a sum that is not enough to compensate for all your damages.
If you let our lawyers handle your application, they can protect your interests and fight for a settlement that is adequate to cater for all damages, such as:
- Loss of companionship and consortium
- Medical and therapy bills
- Out-of-pocket medical bills
- Emotional distress and loss of enjoyment of life
- Lost wages
- Pain and suffering (compensation for your physical and emotional distress according to the Legal Information Institute (LII))
- Loss of future income and earning capacity
Ability to Value Your Damages
Do you have a reliable way of calculating the actual value of your injuries? If your answer is no, then a lawyer can be of help. Although there is no mathematical formula for calculating your damages, it is against your interest to underestimate them.
Personal injury attorneys understand the laws and can navigate the complex legal system. Therefore, the services of an attorney may be necessary even if you sue an insurance company without a lawyer.
Ability to Negotiate Your Settlement
After valuing your total damages, you have to send a written demand for compensation to your insurer. In the demand claim, you should include copies of relevant documents, such as:
- Medical bills
- Medical records
- Relevant receipts
- Photo evidence
- Video evidence
- Police report
- Eyewitness statements
Do not expect a check from your insurance company just yet. Typically, there are negotiations before you receive compensation.
Minor injuries that claim for small sums of money might not need lengthy negotiations and counteroffers from the insurance company. Insurance payment is usually straightforward for minor personal injuries, so you might not need a lawyer for this.
However, it is prudent to accept compensation for such minor injuries if you have medical evidence that shows you have fully recovered.
When Not to Sue an Insurance Company without a Lawyer
If your injuries are severe, legal aid helps to obtain the fair compensation you deserve for your property, psychological, and physical damage. A lawyer will ensure that you get the right advice in winning expensive and complicated financial claims in a variety of injuries, such as:
- Wrongful death
- Medical malpractice
- Injuries to children
- Product liability
- Nursing home negligence
- Severe vehicle accidents
A Lawyer’s Services Can Help You
Accidents are chaotic, and the stakes are always high for the victims. Although you might want to avoid the legal fees and proceed to sue an insurance company without a lawyer, legal advice helps at all stages of your claim. You can strengthen your case with the right legal counsel. Call (212) 751-9800 today to speak to a member of Morelli Law Firm.