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Why Insurance Companies Don’t Want You to Speak With a Car Accident Lawyer


Insurance companies will make it seem like they are genuinely trying to help you and often advise you that unnecessary to speak with a car accident lawyer.

If you’ve been injured in a car accident, you may think that it’s safe to proceed without a personal injury lawyer. You may simply reason that the insurance company will cover the cost of your medical bills and property damage while you can focus on your recovery. Unfortunately, that’s not always the case. Insurance companies are for-profit companies that have their stakeholders’ best interest in mind and not yours. Adjusters will work hard to minimize your claim or even deny it. They will make it seem like they are genuinely trying to help you and often advise you that you don’t really need to speak with a car accident lawyer. 

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The truth, however, is different.

Here are the real reasons why insurance companies don’t want you to speak with a car accident lawyer

A Lawyer Will Know How Much Your Claim Is Really Worth

One of the arguments adjusters often bring is that hiring a lawyer is expensive and you will lose money in the long term. They will make you think that the settlement they are offering you is fair and enough to cover the cost of your medical bills. 

In reality, an experienced St. Louis auto accident attorney knows what factors to look at to estimate how much your claim is worth. They understand that some conditions may require long-term treatment and analyze your injuries together with experts. They also know how to calculate pain and suffering based on the specifics of your case. 

They Know How to Handle Insurance companies

If you’ve ever talked on the phone with an insurance adjuster, then you were probably surprised by how kind and friendly they were. Don’t let this act fool you. Adjusters fish for any slip-up that they can you to minimize your claim. 

Car accidents are well aware of all the tricks insurance adjusters use and know how to negotiate with them to secure a fair settlement. For instance, your attorney can threaten the insurance company that they will take the case to trial if they are not willing to negotiate. On the other hand, insurance companies know that if you are handling your case by yourself you are less likely to go to trial, so they will be more aggressive when negotiating a deal. 

Lawyers Know How to Handle the Legal Process

Even if you’ve used an online settlement calculator and are confident your compensation is fair, you may encounter difficulties with the legal process. For instance, you may not know if it’s ok to give a statement or what you should say to maximize your chances. Or you may not know what legal documents you need and how to fill them. Your lack of knowledge can cost you thousands or tens of thousands of dollars from the settlement. 

Your Lawyer Has Your Best Interests at Heart

It’s important to understand that most personal injury attorneys work on a contingency fee. That means that they only get paid if they win the case. Lawyers are motivated to fight for you and get you a just settlement since their paycheck depends on it. 

Speak With an Experienced Attorney Today

If you’ve been the victim of a car accident, don’t be fooled by what you hear from the insurance company. It is always a good idea to speak with an experienced car accident attorney to ensure that your legal rights are truly protected, included the full amount of compensation you are entitled to.

Free Consultation with a St. Louis Car Accident Lawyer

Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!

Updated: November 16, 2020