I’m feeling a bit overwhelmed and have a question about whether hiring a lawyer might put me in a tough spot with my medical bills. Just to give some context, I was in a car accident last December where I wasn’t at fault. Since then, I’ve been diagnosed with six bulging disks, which my doctor attributes to the accident. I’m currently undergoing therapy, and surgery has been suggested.
I’m becoming concerned that my Personal Injury Protection (PIP) coverage might not cover all my costs, and I’m uncertain about the fairness of the general compensation I’ll receive. The insurance company has already offered me a low amount for diminished value, which has made me question my next steps. Sometimes, I experience numbness in my hand, which worries me as well.
I haven’t hired a lawyer yet since I thought it wasn’t necessary, but after receiving that low offer, I’m reconsidering my options. One question I have is about the lawyer’s fees—specifically, is the 35% charge taken from the gross settlement amount or just from the net amount after medical costs? I’ve heard stories of people struggling financially after settlements, and I want to make sure hiring a lawyer is worth it. Without a lawyer, how can I effectively negotiate for fair compensation against an insurance company that’s low-balling me?
To give you a clearer picture, for the diminished value, I own a 2023 Outlander, and they only offered me $1,350, while the repairs cost about $6,500.
It sounds like you’re going through a really tough time, and it’s completely understandable to have concerns about medical bills and compensation after a car accident. Here’s some information that might help clarify things for you.
Lawyer’s Fees: Typically, lawyers take a percentage of the gross settlement amount, which includes your total compensation, not just the portion for general damages (like pain and suffering). This means that their fee would be calculated before any medical bills are paid out. However, some lawyers may negotiate different terms, so it’s important to discuss this directly with any attorney you’re considering hiring.
Medical Bills and PIP: Personal Injury Protection (PIP) should cover some of your medical expenses, but it can vary based on your coverage limits and the specific state regulations. If your medical bills exceed your PIP coverage, you may be responsible for the remaining balance. If you hire a lawyer, they will often assist in negotiating with your medical providers to ensure you’re not stuck with an overwhelming amount of bills.
Fair Compensation: If you feel the insurance company is low-balling you on offers, a lawyer can be incredibly beneficial. They have experience dealing with insurance companies and can help you negotiate a fair settlement. Many people find that having representation leads to more favorable outcomes, especially when it comes to navigating complex legal and medical situations.
Going Without a Lawyer: While it’s possible to handle your claim yourself, it can be challenging, especially when dealing with significant injuries and medical issues. Insurance companies are often more hesitant to provide fair offers to individuals without legal representation.
Diminished Value Claim: Regarding your specific diminished value claim, it’s common for insurance companies to undervalue these claims initially. If you feel that your vehicle’s diminished value is significantly higher than what they offered, an attorney might help you present a stronger case.
In summary, it’s not a dumb question at all! It’s wise to consider your options carefully. Consulting with a personal injury attorney can help clarify these issues and provide you with peace of mind about your case, as they can offer insights into potential compensation, how to handle medical bills, and what to expect moving forward. Make sure to do some research and find a reputable attorney who can guide you through this challenging time.