blog home Pointers and Press Why Should I Hire a Car Crash Injury Lawyer Instead of Dealing With Car Insurance Companies on My Own?

Why Should I Hire a Car Crash Injury Lawyer Instead of Dealing With Car Insurance Companies on My Own?

By Texas Personal Injury Lawyer on February 8, 2023

Car crash injury lawyer

If you have recently been injured in a car crash in Texas, you may be wondering if you need to hire a Houston car crash lawyer or if you can simply let your insurance company handle your claim.

This is a great question, and you came to the right place for answers! Because insurance companies are primarily focused on limiting loss and therefore minimizing their payment to you, you need an advocate to help you get the compensation you deserve.

Texas is an At-Fault State

Some states, i.e “No fault” states, require that insurance claims after a car crash only be made with the claimants own insurance company, regardless of who is at fault for the crash. Texas is one of many states that treat insurance claims under an “at-fault” insurance system. Under this system, the driver who caused the accident is responsible for compensating injury victims. Additionally, Texas is an “add-on” or “stacking” state. This system, if properly navigated by a good personal injury attorney, can potentially allow for larger compensation by combining or “stacking” the at-fault person’s liability policy, the injured person’s no-fault Personal Injury Protection (PIP) policy, and the injured person’s no-fault Underinsured Motorist (UIM) protection policy to help make the injured crash victim whole again.

Importantly, no insurance company wants to be considered “at-fault” because they do not want to be responsible for damages. This means they will not represent your best interests. A car crash lawyer understands the nuances of an at-fault state and can help you receive fair compensation when you were unfairly sidelined by another driver.

With that in mind, here are five additional reasons why I recommend working with a car accident lawyer in Texas instead of trying to sort through the insurance process independently.

5 Reasons to Work With a Houston Car Crash Injury Lawyer

1. A Car Crash Injury Lawyer Knows What Injuries Are Worth

It is not enough to know that you were injured in a car crash. You also need to understand the full extent of your injuries and what they are worth. For example, if you lost work due to incapacitation, your payout should pay for lost income along with medical expenses, recovery expenses, and other pain and suffering costs.

If you were injured in any way, you need time to recover instead of reading through countless legal documents and arguing with insurance companies about whether or not you deserve to be compensated. An experienced auto accident lawyer will help you accurately estimate what you deserve so that you do not get swayed into accepting a low settlement.

2. You Want Maximum Financial Compensation for Your Injuries

This is the most obvious reason you should partner with a vehicle accident lawyer in Texas instead of working directly with insurance. The physical, mental, and emotional toll that your car accident injury has taken on you should be compensated. Unfortunately, all insurance companies do everything possible to take as long as possible to pay out as little as possible . All insurance companies value their shareholders and profit margins over claimants as well as their own customers. It may not be personal to an insurance claims adjuster, but it is to you and your family. The legal system is challenging to navigate, but a car accident lawyer knows how to get from point A to point B.

3. Anything You Say Can and Will Be Used Against You 

You have heard this Miranda rights line many times before, but did you know that a similar principle applies when it comes to insurance claims? In the chaotic aftermath of a car accident, it can be challenging to remember the important details that injury compensation may require, and saying the wrong thing can negatively affect your claim – or cause you to be blamed for the accident. This is because insurance companies will try to tie you into whatever you said post-accident. If you accidentally get a detail wrong, it is not easy to erase your statement after the fact. Your words can become evidence that can be twisted and used against you.

In the aftermath of a car crash, it is best to call a car crash injury lawyer before you call any insurance company.

4. A Contingency Fee Personal Injury Attorney Only Gets Paid If the Case is Won

A contingency fee personal injury law firm like DK Law is more than happy to provide a free consultation to evaluate your car crash injury case and better guide you. What’s more, if a contingency fee personal injury law firm like DK Law takes on your case, you do not pay a retainer or hourly fee like you would with other attorneys. A personal injury law firm like DK Law only gets attorneys fees from the settlement or verdict won for the client.

5. There is Too Much at Risk

At the end of the day, there is far too much at risk when car crash injury victims navigate the legal system alone. Liability may be called into question, damages may be dismissed, and you may end up walking away from a traumatic experience with no support to financially and physically recover. Your life and your well-being are valuable, and you deserve to be treated fairly! As a car crash injury attorney, I am committed to helping people rightfully receive justice and avoid the risk of walking away empty-handed.

Leveling Out the Playing Field

A good Houston personal injury lawyer will help level out the legal playing field for you to ensure that you are fairly compensated, and that starts with your initial questions. If you have any questions about working with a car crash injury attorney, I am here to help! Call DK Law car crash injury lawyers at 281-402-8856 or Contact DK Law now. We can help.

Posted in: Pointers and Press

“DK Law is a great firm. Would trust them with any case. Very professional and knowledgeable about what is in client’s best interests.”
- Lea T.