Why do I need a lawyer when I already have insurance?
If you are at fault for an auto accident, generally your insurance policy will cover the cost of the damages. Keep in mind, your insurance policy has limits, so if you have minimum coverage, your insurance policy might not cover more than a few thousand dollars.
If the accident costs rise above your insurance limits, you will want hire a lawyer to help you keep those costs as low as possible. Anything not covered by your insurance policy will come out of your pocket — either now or over the course of the next twenty years.
Even if the accident costs don’t rise above the limits of your insurance policy, it might be worth your time to ask a lawyer to review the case. If you’ve been deemed at fault, then you will be looking at a very steep hike in your insurance costs over the next five years. A good attorney can minimize the extent of your blame.
Lastly, if there is even the suggestion that anyone was injured, you will want a lawyer. The victims of an accident have years in which they can claim problems arising from an injury caused by the accident. Medical costs are high, and could easily use up your insurance coverage.
If you caused an auto accident, then you will probably have to pay — from delayed medical problems to expensive insurance hikes. Get an attorney to represent your best interests.