When Should You Escalate a Car Accident Claim?

If you are injured in a car accident, the first resource that you might turn to is the other driver's car insurance company. But sometimes, that company's compensation is not enough. In that case you might turn to a car accident attorney in order to start a lawsuit. Here are some of the times when this is a good idea. 

When the Insurance Company Lowballs You

It is not an uncommon situation to have the insurance company pay you for less than you would like. For instance, they might not want to cover certain medical bills by claiming that they are not essential to treating your injury. Or the total amount that they are willing to offer for vehicle damages plus medical expenses is much less than your actual expenses. In this case, it's definitely worth approaching a car accident attorney to see how they can help.

When the Payout Limits Have Already Been Met

Another situation is when you have injuries that are so extensive that the insurance company is unwilling to pay them. The other driver is obligated to carry auto insurance for liability up to a certain maximum, depending on the state you're in. But when your medical bills are more expensive than their coverage limits, you might have to go after the person individually to get your medical bills covered.

When You Want Compensation for Additional Damages

Finally, you could seek out the help of an auto accident attorney if you want to seek compensation for a damage that is not covered by an insurance program. The insurance covers practical expenses, such as vehicle damage. But there is much more that goes into a car accident. If the accident was traumatizing to you, that damage could last permanently. If you have to be bedridden, there is emotional damage that comes along with losing the ability to participate in activities you love. Sometimes, a car accident can affect your relationships with a spouse or family members. In any of these cases a lawyer will be necessary to argue your case for compensation.

So, if any of these situations apply to you, it is worth the effort to speak with an auto accident attorney like those at Powers Law and get a consultation. They can tell you whether the case is likely to return enough of a payout to be worth the time it takes to go through the courts.