Do I Need an Attorney for an Insurance Claim?
If you own a car in Minnesota, you are required by law to carry proper insurance, which includes “no-fault” insurance. This type of policy will cover any of your medical bills or lost income that resulted from a car accident and does not take fault into account. Whether you are fully at fault in a crash or whether another person caused the accident, you can still have these losses covered by your own insurance company.
Too many injured auto accident victims believe that obtaining compensation from their own insurance company will be a simple process. After all, if you pay your premiums, your insurance company should be on your side, right? Unfortunately, this is not always the case and many policyholders are denied the compensation they need and deserve after an accident. The following are only some of the many reasons why you should call a reputable car accident lawyer for help with your claim.
Estimating the Value of Your Claim
When making a claim, you may simply look at your medical bills and paystubs and submit those expenses and lost wages. However, it is important to know that there are other losses that may be covered, including:
- Mileage for medical treatment
- Costs of assistance at home due to your injuries
- Occupational re-training programs
- Future estimated costs and losses
A skilled lawyer will examine your situation and estimate the full amount of coverage you deserve.
Insurance companies want to make money like any other business, which means they regularly make low settlement offers to policyholders. If you accept an offer that is inadequate to cover your losses, you will not have the chance to go back and request more from that accident. Therefore, it is critical to have a lawyer review any offers you receive before you ever accept them. A lawyer can also negotiate for a higher offer if needed.