Your Personal Injury Lawyer

When do you need a personal injury lawyer? Sometimes people are hurt through no fault of their own in automobile accidents and assume that the at fault driver will have car insurance that will cover everything. Unfortunately even if the at fault driver does have insurance that doesn’t mean all of your economic losses or medical expenses are likely to be covered.

Insurance companies operate much like gamblers do. They take your relevantly small premium money and gamble that nothing will ever happen to you that will force them to pay out more money back to you than they have collected. Get enough people paying premiums and statistically speaking the odds are pretty good that the insurance company will only be paying out on a very small percentage to the consumers they collect premiums from and their gamble will pay off with big profits.

So when it comes time to pay out on a claim, insurance companies don’t want to give you more information than you need. After all, they reason, if you don’t anticipate future medical bills, rehabilitation and loss of income from your injuries, why should they bother to enlighten you to the fact that the big check they have in hand won’t even begin to cover your long term needs?

That’s why you need a personal injury lawyer. Your lawyer will know that your medical bills can continue to pour in and that your injury can require more long term care than you anticipate. Your lawyer also realizes that you will lose time and money if you are unable to work. Those economic losses aren’t limited to paychecks either. Stay at home moms or dads provide caregiver services, housekeeping services and chauffeuring services to their families and although these are not paid services, they are services that create an economic burden on the family to pay someone else to do while mom or dad is laid up.

Your personal injury lawyer can work to ensure that your short term and long term needs are taken care and you aren’t left losing money while you are laid up from your injuries or struggling to pay for needed rehabilitation when the insurance money runs out because that big insurance check, wasn’t really big enough.

So when do you need a personal injury lawyer? It’s never too early to call a lawyer but it can be to late. The rule of thumb is to call your personal injury lawyer when you are in the emergency room. It may seem calculating to worry about having an attorney in the ER but you can rest assured the insurance company already has their representative on the way there ready to cut you check before you even know the full extent of your injuries. Insurance companies count on you being confused, short sided and a little greedy. Your lawyer is your advocate to make sure that you aren’t exploited so its never to early to have representation.