Wisehart Wright Trial Lawyers | October 31, 2024 | Car Accidents
After a minor car accident, it’s common to wonder whether hiring a lawyer is necessary. If the damage is minor and no one appears seriously hurt, it might seem easier to handle things on your own. However, even minor accidents can lead to complications, both medically and legally.
With a straightforward case involving property damage only, you can likely handle the claim on your own. However, it’s important to know when it makes sense to get legal representation and how a car accident attorney can help you.
Understanding the Impact of a “Minor” Car Accident
Minor car accidents, often referred to as “fender benders,” can seem insignificant at first glance. They usually involve low-speed collisions, such as being rear-ended at a stoplight. Although these accidents typically cause minimal vehicle damage, they can still lead to hidden problems, including injuries and insurance disputes.
Injuries Can Be Worse Than They Seem
One of the biggest risks after a minor accident is underestimating injuries. It’s not uncommon for accident victims to feel fine immediately after the crash, only to experience symptoms days later. Common injuries, like whiplash, back pain, or even concussions, may not immediately be apparent.
Whiplash can occur from crashes at speeds as low as 5-10 mph. Up to 50% of whiplash victims experience long-term effects, and up to one-third have some degree of disability. Concussions, a common type of traumatic brain injury, do not even require a blow to the head.
Without a proper medical evaluation and treatment, what once seemed like a minor injury can worsen. An attorney can help ensure that you get the medical care you need and that your injury is documented properly – which is essential when dealing with insurance companies.
Common Insurance Issues After a Minor Accident
While the accident may seem straightforward, several issues can arise that complicate matters. These include:
- Insurance company disputes: After a crash, the other driver’s insurance company might try to minimize your claim. You may be offered a low settlement that doesn’t cover your expenses.
- Unclear fault: Even in minor collisions, determining who is at fault can be contentious. The other driver may claim that you were partially or fully responsible. This can reduce the compensation you recover or bar you from recovering any damages.
- Property damage: The cost to repair your car could be higher than expected, or the damage might not be fully covered by the at-fault driver’s insurance.
Handling these issues on your own can be stressful, especially if you’re dealing with injuries or costly vehicle repairs. This is where a car accident lawyer can help.
When You Should Consider Hiring a Car Accident Lawyer
Hiring a lawyer after a minor car accident isn’t always necessary, but in certain situations, it’s a wise decision. Here are some scenarios where legal representation can make a big difference.
1. You Suffered Injuries
If you were injured, it’s a good idea to consult a lawyer before accepting a settlement offer. Once the settlement agreement is signed, it’s final. Even if you realize your injuries are more serious than you thought, you will not be entitled to additional compensation later.
Don’t assume you are uninjured, even if you feel fine after your crash. Even low-speed accidents can cause injuries that may have long-term consequences.
2. Fault Is Disputed
If the other driver or their insurance company disputes who was at fault for the accident, proving your case can become complex. Ohio is a “modified comparative negligence” state. If you are partially to blame, the compensation you recover could be reduced proportionally.
If the insurance company tries to shift more blame onto you, it could significantly reduce your settlement. Even worse, if you are found 51% or more at fault, you are completely barred from recovering any damages. A lawyer can help gather evidence, such as witness statements or traffic camera footage, to strengthen your claim and ensure that fault is accurately assigned.
3. You Have a Pre-Existing Condition
If you have a pre-existing health condition, like a previous brain injury or a herniated disc, even a minor crash can worsen your condition. Unfortunately, insurance companies rarely treat claims involving pre-existing conditions fairly.
The insurer may try to minimize your claim by blaming your pre-existing condition for your injuries. However, you are entitled to compensation for all damages you suffered in the crash, including any aggravation of pre-existing conditions.
4. Your Claim Has Been Denied
If your claim is denied, you have the right to appeal the decision. However, you will need to submit supporting documentation and explain why you believe your claim is valid.
It’s a good idea to work with a car accident attorney to appeal a denied claim. Your lawyer can make sure the policy is interpreted correctly and gather the supporting evidence you need to prove your case.
How a Car Accident Attorney Can Help You
While it’s tempting to accept a quick settlement, it’s important to consider the long-term impact of the accident. Will you need future medical treatment? Could your injury affect your ability to work or perform everyday tasks?
A lawyer will help you evaluate your future needs and ensure you’re not left covering out-of-pocket expenses down the road.
Your personal injury lawyer will investigate your accident and gather evidence, such as witness statements, police reports, and medical records, to build a strong case on your behalf. They will handle all communications with the insurance company so that you can avoid mistakes that may harm your case. They will also negotiate a settlement agreement that fairly compensates you and considers your current and future damages.
If your claim is denied, your attorney will handle the appeals process or take your case to court if it’s necessary.
Contact an Experienced Ohio Car Accident Lawyer For a Free Consultation After a Minor Collision
After a minor car accident, it’s easy to underestimate the long-term consequences. Even if the damage seems minor, injuries can surface later, and dealing with insurance companies can be a challenge. A lawyer can protect your rights and ensure that you receive fair compensation.
Contact a Sandusky Car Accident Lawyer at Wisehart Wright Trial Lawyers for Help Today
For more information, contact the Sandusky car accident law firm of Wisehart Wright Trial Lawyers to schedule a free initial consultation.
We have five convenient locations in Ohio: Sandusky, Mansfield, Port Clinton, Vermilion, and Norwalk.
Wisehart Wright Trial Lawyers – Sandusky
502 W Washington St,
Sandusky, OH 44870
Wisehart Wright Trial Lawyers – Mansfield
6 W 3rd St Suite 200,
Mansfield, OH 44902
Wisehart Wright Trial Lawyers – Port Clinton
132 Madison St,
Port Clinton, OH 43452
Wisehart Wright Trial Lawyers – Vermilion
1513 State Rd,
Vermilion, OH 44089
Wisehart Wright Trial Lawyers – Norwalk
13 Whittlesey Ave,
Norwalk, OH 44857