When Do You Need A Lawyer If You’ve Been In A Car Accident?

When Do You Need A Lawyer If You’ve Been In A Car Accident?

If you’ve been in a car accident you would do well to consider getting a lawyer. I used to believe the insurance company jingles. “We’re there for you when you need us” is what I remember them saying. That was years ago before I started having to work with car insurance companies.

As a doctor who has treated patients with auto accident injuries for the past 25 years…

I’ve had to deal a lot with auto insurance companies directly (to get paid for my services). I’ve also watched countless patients struggle with their insurers to get their insurance benefits. You would think that as long as your policy is paid up at the time of your accident there should be no hassle, no question about paying all your bills promptly and faithfully. But unfortunately the jingle “We’re there for you when you need us” is a promise that is broken more often than not.

Of course not all auto insurers are the same. Some companies are more reasonable than others. If you’re in an accident you can expect certain things to go smoothly. Your car will likely be repaired or replaced without any hassles. If you’ve been injured, your initial doctor’s bills will be paid without question. Most often, initially at least, everything generally goes as it should. You paid your insurance premium and you rightly get your policies benefits.

Your Insurance Company May Turn On You

If you’ve been injured and need ongoing treatment to recover, if you lose more than a little time from work due to your accident, if you need support doing yard work, house work and so on because of your auto accident–then it can get sticky with your insurance company. Suddenly your relationship with your insurance adjuster (representative) may begin to sour. Some times it happens over night. What seemed to be a friendly “we’re here for you” supportive relationship, suddenly becomes adversarial. Suddenly you have to prove that you were injured, you have to prove that you need help with yard work, you really did need to take off of work to see the doctor.

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This is when you need a lawyer who really knows Minnesota No-Fault insurance law and benefits, some one who knows your rights and can get in the ring for you and fight for them. It’s a good feeling to have some one on your side, who has your best interests in mind. If you ever had a big brother or friend save you from a bully on the playground when you were a kid, you know the feeling.