If you were injured in an accident because of the negligence of another individual, you have all the right to file a personal injury lawsuit through the court in order to seek compensation for the injuries that you have sustained as well as the losses that you may have incurred. However, pursuing a case in court often takes time, usually months or even years, before you’re awarded with a ruling. That is why in most personal injury cases, the most practical approach will be to go for a settlement. But the only way you can get the maximum settlement available by law is hiring an experienced accident attorney.
Accidents are typically covered by an insurance policy. It always comes into play whenever someone gets injured because of the fault of another person. It is the other person or the party-at-fault’s insurance provider that will try to compensate for your damages.
Insurers would want the case to be resolved without ever going to court. As much as possible, they will try to settle the case at the soonest possible time and with the minimum amount of compensation possible. They know that if they go to court, the case can drag on for months. This translates to more expenses on their part. Moreover, if they think they are going to lose the case, they will be paying more than if they are going to settle now.
It is for this reason that an experienced accident attorney is needed as soon as possible, ideally right after the accident. This is to make sure that the insurance provider of the party-at-fault will not coerce you into settling for a lower amount. It is important to reiterate the objectives of the at-fault party’s insurer. First is to minimize cost. Second is to manage the risk. In either objective, the insurer will always try to offer you a settlement that is lower than what you may be legally entitled to. An experienced accident attorney knows this and he can advise you on what you need to do.
An experienced accident attorney has already worked with various insurers before. He knows their tactics and how they intend to undermine your personal injury case so that they will not offer you a higher settlement. Some may even coerce you into agreeing on a certain amount to settle everything.
Generally, the law on settlements requires two kinds of compensation that can be awarded to you. These are general or non-economic damages and special or economic damages. Insurers will only look at the economic damages since these are highly quantifiable. Your accident attorney can focus on the general damages that can include pain and suffering, lost companionship, and loss of enjoyment of life, just to name a few.
In other words, insurers will only focus on those things that can be easily quantified when in fact they should also look into the non-economic damages that you have suffered because of the accident. This is how you get maximum settlement. And you can only achieve that if you hire an experienced accident attorney.