You don’t need to hire an attorney for every situation. But you should in these types of auto accident cases. Learn more from Mullen & Mullen.

Should you or shouldn’t you hire an attorney?

That’s always the question. On the one hand, you want to make sure you get fair treatment from the other driver and their insurance company following a car accident.

On the other, hiring an attorney means months and maybe years of stress, dealing with the lawyer, assembling paperwork, and possibly going to court.

So, how do you make the call? When should you pick up the phone and call a personal injury lawyer?

These trigger events should lead to you reaching out for legal help:

  1. You Suffer a Serious Injury or Permanent Disability

Sometimes serious injuries are obvious. But believe it or not, serious injuries can also be completely overlooked.

Injuries like whiplash and traumatic brain injury (TBI) can take weeks or months before they show up.

And they can still lead to a lifetime of serious pain and even permanent disability. On top of that, medical professionals do frequently make mistakes in diagnosing these injuries.

You can even feel just fine after the accident with absolutely no pain whatsoever…only to find yourself with serious problems just a few weeks later.

If you notice any serious injuries, get in touch with a lawyer who has experience with such issues. They offer free consultations, so you have nothing to lose.

  1. Fault Isn’t Clear

Insurance companies can’t wait for confusion. They know that’s their opportunity to put the facts together so as to cause you to take the blame.

For example, this could be when you drove through a stop sign and the driver who hit you was texting.

Texas uses “comparative negligence,” which means that you can have the financial compensation you should have received reduced if you have partial responsibility for your injuries.

If you can’t clearly establish who’s at fault, talk to an attorney. They’re present to help you only take on the responsibility that’s yours.

  1. Multiple Parties Are Involved

If you have more than two parties, all the fingers go up at each other casting the blame around. None of the insurers wants to pay.

So, how do you protect yourself and take only the responsibility you should?

Get in touch with a personal injury attorney.

  1. The Insurer Denies or Delays Your Claim

Remember, to insurance companies, this is all a game. They try to rig the rules by lobbying the Senate and Congress each year.

In 2017, they dropped $160.5 million on lobbying, making insurance the second most powerful industry in that regard.

Make no mistake about it, insurance companies are not your friend. They know you don’t know Texas law as well as they do. And they lever that to their advantage as much as possible.

They’ll drag their feet on paying you because they know your money is likely tight, and that you have a good chance of breaking down and taking much less than you should.

If they give you any hassle, don’t take it. Fight back. Hire a personal injury lawyer instead.

Personal injury lawyers don’t always make sense to hire in every situation. However, they often do.

If you find yourself in any one of these situations, at least talk to a personal injury lawyer. You have nothing to lose and everything to gain.

And the worst that can happen is that you get relief from stress, knowing the insurance company is actually treating you fairly.