When is it a good idea to contact a lawyer for an insurance settlement?

If you have been involved in an accident, and have been involved in negotiating with your insurance company on a settlement, you may be wondering at what point you should involve an attorney or about whether you need a lawyer to give you tips for a good accident settlement amount.  There are several important considerations when deciding whether to seek the assistance of an attorney in such cases. For example, it may be a good idea to contact a lawyer if:

• You have dealt with your insurer and the adjuster directly, you have written letters to superiors, presented facts, and made your case, but your settlement negotiation does not seem to be getting anywhere.  In such cases, lawyering up can be the boost your negotiation process needs.  An attorney may be able to get your argument the attention it deserves.
• You believe that the insurance company or the adjusters are acting illegally or in bad faith.  For example, the car insurance company may be claiming that certain items are not covered by your policy and you have reason to believe – and proof – that that is not the case.  Or, perhaps you feel that the adjuster is utilizing tactics that show bad faith.  In such instances, an attorney, particularly an experienced attorney, may be able to help you take on the insurance company and work to keep them honest.

Hiring a lawyer can let the insurance company know you are serious and can help you to make sure your rights are fully protected throughout the car accident settlement process.