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Five Reasons You May Not Need to Hire a Lawyer After Your Harrisburg Car Accident

Posted Scott B. Cooper on Aug 28, 2013 in Car Accidents

It’s you versus the insurance adjuster after your Pennsylvania car crash

The odds are against you whenever you go up against a professional in his or her field of expertise. Sure, you may fantasize about racing against a NASCAR champion or playing streetball against a Penn State basketball star, but winning? Only in your dreams.

What too many people fail to recognize is that they’re in a similar spot after they have been injured in a Pennsylvania car accident. The expert here: the insurance adjuster representing the company that has insured the negligent driver who hurt you. The adjuster does this for a living. She knows the law, she is well-versed in medical jargon, and she may be handling dozens of claims every month. In addition, at any time she can call on the team of lawyers retained by the insurance company.

Who do you have on your side?

Maybe you don’t need any help

All the other Pennsylvania traffic accident attorneys are going hate that we told you this secret, but here goes: You may not need to hire a lawyer after your car crash in York County, Perry County, or the adjoining towns.

How do you know whether you need an attorney? You probably can get by without hiring a lawyer if you can say YES to these five questions about your accident:

  1. Are you absolutely sure nobody was hurt?
  2. Was damage to your vehicle the only property damage involved?
  3. Are you reasonably certain the other driver wasn’t intoxicated, reckless, or in violation of traffic regulations in a serious way?
  4. Has the insurance adjuster offered you a settlement that you believe will allow you to repair your car (or replace it, if the vehicle was totaled)?
  5. Does the settlement offer include payment for your out-of-pocket costs if you have to rent a car or make other arrangements while your vehicle is unusable?

What happens if you can’t pass the test

If your case isn’t a simple one, you can’t trust that the insurance adjuster will offer you a fair settlement for your Pennsylvania car injury claim. Accidents with serious physical injuries and psychological trauma generally require significant funds for medical care, rehabilitation, wages, and other losses. You can’t expect the adjuster to authorize that sort of payment without a fight. In fact, the insurance company often puts low ceilings on the total amount an adjuster can promise; she will need to get a supervisor’s approval for any substantial offer.

You need an ally on your side to make sure that the contest is a little fairer. You need someone who—like the insurance adjuster—understands Pennsylvania injury law and knows the typical costs to treat an injury such as yours. In short, you need a Harrisburg auto accident lawyer from Schmidt Kramer.

The car accident attorneys at Schmidt Kramer represent clients injured in a variety of motor vehicle accidents, including cars, pickup trucks, SUVs, big-rig commercial trucks, and motorcycles. It is important to speak to one of our skilled injury attorneys as soon as possible after the accident. We can deal with the insurance adjuster on your behalf. Call us today at 888.476.0807 toll-free to schedule a confidential case review with no charge and to request a FREE copy of our client book, Who Pays The Bills When You Are Injured In An Automobile Accident? We charge no legal fees unless we’re able to secure a settlement or damage award for you.