Should I Consider Hiring an Attorney for My Bodily Injury Case?
I was recently rear-ended in California and was not at fault. After the incident, I sought medical attention and was diagnosed with whiplash. Initially, the insurance company offered me a settlement of $2,000. However, I had to miss two days of work at my doctor’s recommendation, and since I’m a private contractor, they refuse to compensate me for my lost income, claiming it was just a missed opportunity.
I’m still dealing with significant pain and plan to visit my doctor again, as I suspect I may have a rotator cuff injury. Despite providing this information to the insurance adjuster, I keep receiving the same response: “We believe this is a fair settlement unless you can provide additional documentation or support.”
I’ve reached out to an attorney, and they have expressed interest in taking my case. However, I’m uncertain if hiring them would be worthwhile. From what I’ve read, many claim that small injuries like mine typically result in modest settlements, regardless of whether I have legal representation. Am I being unreasonable in thinking that a $2,000 offer is inadequate?
It sounds like you’re dealing with a challenging situation. Here are a few things to consider as you weigh your options:
Evaluation of Your Injury: Given that you have been diagnosed with whiplash and are experiencing ongoing pain, it’s essential to obtain a comprehensive assessment from your healthcare provider. If you suspect a rotator cuff injury, additional medical documentation will strengthen your case.
Understanding Your Losses: The insurance company’s offer of $2,000 may not accurately reflect your total damages, especially considering your missed work and potential future medical expenses. Even if you are a private contractor, you may still be entitled to compensation for your lost income and pain and suffering.
Potential for Increased Settlement: Hiring an attorney can provide you with valuable expertise in negotiating with the insurance company. Attorneys often understand how to assess the true value of a claim, which can include medical expenses, lost wages, pain and suffering, and more.
Cost of Legal Representation: Many personal injury attorneys work on a contingency fee basis, meaning they only get paid if you win your case. This arrangement can make it easier for you to pursue your claim without upfront costs.
Consult with an Attorney: It might be worthwhile to consult with the attorney you contacted or seek a second opinion. They can provide you with insights specific to your case, including the likelihood of receiving a higher settlement if they represent you.
Documentation is Key: Continue to document your medical visits, any ongoing symptoms, and how the injury impacts your daily life and work. This information will be crucial whether you decide to negotiate on your own or with an attorney.
Ultimately, hiring an attorney could provide you with a better chance of receiving a fair settlement, and it may help alleviate the stress of dealing with the insurance company on your own. Trust your instincts, and remember that your health and well-being are the most important factors in this situation.