If you’ve been in a car accident in Philadelphia, you may be wondering whether you need a car accident lawyer to help with your case. While some minor accidents can be resolved without legal assistance, others require the knowledge and guidance of an attorney to ensure you receive the compensation you need to recover.
At J. Fine Law, we help injured victims navigate the complexities of car accident claims, dealing with insurance companies and legal obstacles so you can focus on healing. Below, we’ll cover the key signs that indicate you should consider hiring a car accident lawyer after an accident.
1. You Suffered Serious Injuries
If your accident resulted in serious injuries, such as broken bones, traumatic brain injuries, spinal cord damage, or other life-altering conditions, it’s crucial to have an attorney represent your interests. Medical bills can quickly add up, and without proper legal guidance, you may not receive enough compensation to cover your expenses. A lawyer can calculate the full extent of your damages, including future medical care and lost wages.
2. The Insurance Company is Offering a Low Settlement
Insurance companies are not on your side—they often offer lowball settlements to minimize their payouts. If you’ve received an offer that doesn’t cover your medical expenses, lost wages, and pain and suffering, a car accident lawyer can negotiate on your behalf. With legal representation, you’re more likely to obtain a fair settlement that truly reflects the impact of your injuries.
For a better understanding of how insurance companies evaluate claims, check out this resource from the Insurance Information Institute.
3. Liability is Being Disputed
In some car accidents, determining who was at fault is straightforward. However, in many cases, insurance companies or other drivers may dispute liability to avoid paying damages. If there is any question about fault, you need a lawyer to gather evidence, consult with experts, and build a strong case proving the other party’s negligence.
Pennsylvania follows a modified comparative negligence rule, meaning your compensation could be reduced if you are found partially at fault. An attorney will protect you from unfair blame and ensure you receive the compensation you’re entitled to.
4. You Were Involved in a Hit-and-Run or Uninsured Motorist Accident
If the driver who hit you fled the scene or was uninsured, your options for compensation become more complicated. In these cases, you may need to file a claim under your own uninsured/underinsured motorist coverage (UM/UIM). Unfortunately, even your own insurance company may try to minimize the amount they pay you. A lawyer can handle the claims process and fight for the compensation you need.
5. A Loved One Died in the Accident
Losing a loved one in a car accident is devastating, and while no amount of money can replace them, a wrongful death claim can help provide financial security for your family. If the accident was caused by another driver’s negligence, an attorney can help you seek damages for funeral costs, lost income, and emotional suffering.
To learn more about wrongful death claims, you can visit this guide from the American Bar Association.
6. Your Accident Involved a Commercial Vehicle or Government Entity
If your accident involved a commercial truck, rideshare vehicle, or government vehicle, the claims process can be more complex. Companies and government agencies have their own legal teams that work to reduce liability. A car accident lawyer can handle negotiations and ensure all responsible parties are held accountable.
7. The Accident Led to Long-Term or Permanent Disabilities
If your injuries result in a long-term disability that affects your ability to work or perform daily activities, you may need a life-care plan to account for ongoing medical expenses, rehabilitation, and lost earning potential. An attorney can work with medical and financial experts to estimate the true cost of your future care and fight for maximum compensation.
Contact J. Fine Law for a Free Consultation
If you’ve been injured in a car accident in Philadelphia, don’t face the legal process alone. At J. Fine Law, our experienced attorneys are dedicated to helping injured victims recover the compensation they need to move forward. Contact us today for a free consultation and find out how we can help you seek justice.