Do I Need an Attorney after Being Injured in a Car Accident?Mississippi Legal News
It can be a daunting process trying to determine whether or not it is worth it to hire a lawyer after a car accident. Car accidents can be financially devastating, according to the National Security Council, the average cost of a non-fatal disabling injury resulting from a motor vehicle accident is $78,900. Given the financial burden, it is understandable why you would be on the fence about hiring an attorney.
A lawyer is allowed to talk to you before the insurance companies, however, you can also choose to deal with them on your own. While you are weighing your options, consider these tactics insurance companies commonly use to get out of paying you what you’re owed.
Delaying Your Car Accident Settlement
There are three primary reasons why an insurance company will delay your case. The first reason is that, the longer the case is delayed, the longer they get to hold onto the money and collect the interest.
The second reason is that, the longer the case gets delayed, the more likely it will be for you to incur a lot of medical bills. As your debt grows, you will become desperate for money, and thus willing to accept any offer the insurance company gives you.
Lastly, if the company is able to hold out long enough, and you don’t act, the statute of limitations is liable to run out, meaning you lose all rights to collecting compensation for your injuries. The statute of limitations in Mississippi gives you three years to file a personal injury lawsuit in a civil court.
Trying to Talk You Out of Hiring a Lawyer
The insurance industry doesn’t accumulate their trillions every year because they so kindly pay people what they are owed. Insurance companies are like any other business, they want to maximize their profits and cut their losses.
In other words, they want to pay you the least amount they have to, having a lawyer means you are prepared to go to court, which means you are prepared to go after your full settlement.
Insurance companies will try to dissuade you from hiring a lawyer by saying things such as “A lawyer will only drag the case out”. This is simply untrue, car accident lawyers, like our firm, have no interest in “dragging out a case”.
Mississippi car accident lawyers are paid nothing upfront and earn a percentage of the final payout. If the case gets dragged out for years, that means the lawyers don’t get paid, which is bad for both you and the firm. This is simply another tactic insurance companies use in an attempt to minimize payouts.
Using Your Words Against You
Insurance agents will ask you a lot of questions and are trained to build a case against paying you. It is completely natural after a car accident to make sure everybody’s okay. Many times, you are just grateful to be alive and aren’t thinking about how what you say to an insurance company can later be used against you.
If you say something such as “It wasn’t their fault”, it can be used against you to lower your compensation. Mississippi is a pure comparative negligence state, which means that your compensation can be affected by how “at fault” you are found to be.
If you or someone you know has been injured in a car accident in Mississippi, contact a personal injury attorney at Bob Germany Law at 1-601-401-6884.