Should I hire a lawyer?
I was in a collision where the other driver was at fault. He had a warrant out for his arrest and was taken to jail at the scene. Both cars are totaled, and I don’t have collision insurance. My friends are suggesting that I hire a lawyer, but I’m not sure if that’s necessary since it’s just property damage. Am I mistaken in thinking that?
The driver who hit me didn’t have insurance, and the car belonged to his girlfriend. I already have her insurance information, and the adjuster mentioned that this might either go to small claims court or I could be reimbursed for the total loss. They haven’t offered me a rental car because the driver wasn’t insured, but the girlfriend is, so they’re still investigating on their end.
What should I do next? Should I just wait for the adjuster to send me a check, or do you think a lawyer would be beneficial in this situation?
It sounds like you’re in a challenging situation, and it’s understandable to have questions about whether to get a lawyer involved. Here are some factors to consider that may help you make your decision:
Insurance Process: Since the other driver was uninsured and you’re dealing with his girlfriend’s insurance, it’s important to know how that process works. If the insurance company has already acknowledged your claim, it may lead to a resolution without needing legal assistance.
Claim Settlement: If the insurance adjuster mentioned that your case could go to small claims court, it suggests there might be complexities involved that could require legal expertise. If they don’t offer a satisfactory settlement, a lawyer could help negotiate or represent you.
Timing and Communication: Insurance claims can take time, and it’s vital to stay in contact with the adjuster. If you feel the process is dragging on excessively or you’re not being treated fairly, this is a situation where a lawyer can step in to ensure you’re getting the attention you deserve.
Property Damage Only: While it’s true you’re mainly dealing with property damage, the fact that there are complications (like an uninsured motorist and the potential for court involvement) might warrant legal guidance. A lawyer can help clarify your rights and ensure your interests are protected.
Consultation: Consider consulting with a lawyer who specializes in auto accidents. Many offer free consultations and can give you an overview of whether they think it’s necessary to hire them based on your specific situation.
Personal Comfort: Lastly, consider your comfort level. If you feel overwhelmed by the process or unsure about how to proceed, having a lawyer on your side can provide peace of mind.
In summary, while you might navigate some aspects of this situation on your own, getting a lawyer could provide valuable support, particularly in ensuring you get compensated fairly and quickly. It might be worth at least a consultation to evaluate your options fully.