Although you may not have been at fault for causing an accident, you should still consider getting a lawyer, especially if you are looking to recover compensation from the driver who caused the accident. Recovering compensation from the at-fault party or their insurer sounds like it would be straightforward. However, a lawyer can help you when the process becomes complicated or when you are offered a low settlement.
In This Article
Reasons to Get a Lawyer for a Car Accident That Wasn’t Your Fault
When you decide to file an insurance claim with the other driver’s insurer because they caused the crash, their insurer will work to determine if their policyholder is actually liable for the accident. During this process, the insurer may:
- Decide their policyholder is not responsible for the crash
- Decide you were partially liable for the accident
- Determine that your claim is covered, but the adjuster may look for ways to lower the value of your claim
Even though an insurance company is supposed to help accident victims, insurance companies are also businesses. In the process of protecting their policyholders, they are also looking to protect their profits.
Insurance may try to find ways to minimize the value of the claims they receive. For your case, this means the insurer may try to offer you a settlement that is far lower than what you are entitled to seek. They may even deny your claim.
This tactic is one reason why you should consider hiring a lawyer for a car accident that was not your fault. When you decide to hire a lawyer after a collision, they can take over your case and handle all insurance-related matters. This service includes the following:
Intervene if Your Claim Was Denied
If the insurance company says their policyholder was not liable for the crash, your lawyer can help you gather evidence to help refute the insurer’s claims.
Step in if You Are Blamed for the Accident
If the insurance adjuster claims you were partially liable for the crash, your lawyer will help decide if this is an accurate claim. They can also help determine if the percentage of fault that has been assigned to you is correct. Remember, even if you did play a role in causing the accident, you could still be entitled to recover compensation.
According to 735 ILCS 5/2-1116, drivers are permitted to pursue compensation in an accident as long as the other driver was more at fault for the accident. This means that you could share a small percentage of the blame but still recover some form of compensation for your losses.
Negotiate with the Adjuster if Your Claim Is Undervalued
In the event the insurance adjuster undervalues your claim, your lawyer can negotiate with the adjuster until a fair agreement is reached. While this can delay the processing of your claim, you could walk away with a fair amount. Your lawyer can use evidence of your accident-related losses to demonstrate the value of your claim.
For a free legal consultation, call (312) 223-1700
Other Ways You Can Benefit from Retaining a Lawyer After an Accident You Didn’t Cause
In addition to helping with the insurance claims process, a lawyer will also be able to assist you in the event you need to file a personal injury lawsuit. You might need to consider filing a personal injury lawsuit against the at-fault driver if you were unable to recover fair compensation through an insurance settlement.
If a driver had insufficient insurance coverage to pay for your damages or they were not carrying any auto insurance, a lawyer could help you file a personal injury lawsuit against them. This action may allow you to seek some compensation for your costs.
Although the lawsuit process is a bit more complex than the insurance claims process, it may be the route you have to take if you are trying to hold the driver financially liable for your injuries and losses.
It is recommended that you consult a law firm soon after the accident. The State of Illinois limits the time you have to file a lawsuit. According to 735 ILCS 5/13-202, you only have two years from the date of your accident to take legal action.
The Kryder Law Group, LLC Can Help You if You Were Involved in a Car Accident
If you were recently involved in a car accident in Chicago that you did not cause and want to learn more about why you should get a lawyer, you can call a team member from The Kryder Law Group, LLC at (312) 223-1700.
The lawyers at The Kryder Law Group, LLC fight to protect the rights of the individuals they represent and for a fair outcome in every case.