When you are injured, and someone else, or some business is at fault, you cannot afford not to get an attorney. Obviously, this is a very self-serving statement from an attorney.
But it is not so different than saying you need a brain surgeon to do your brain surgery. Or a dentist to extract that tooth. Or your mother to make you that great peanut butter and jelly sandwich.
Smart people recognize that professionals make things better, faster, and at less cost when compared to the “do it yourself” option.
I’m going to get to the “afford” question here in a moment.
Attorneys work on a “contingent fee” basis and are paid a percentage of the total recovery they obtain for their clients. If there is no recovery, the attorney receives nothing.
Why then do you need an attorney?
Because the attorney will get more – much more – than you can get as compensation for your injuries.
Because they can threaten. They can file a lawsuit. You cannot. Going to court is a risk for both sides, but the insurance companies HATE risk. They will thus offer and pay more, much more, when an attorney is involved. Insurance companies do not believe an injured person, not represented by an attorney, will actually get an attorney and then file a lawsuit. They believe this because of statistics. Their statistics, from hundreds of millions of claims show them, overwhelmingly, that a person who undertakes to represent themselves and negotiate with them will not cut-off those negotiations and then hire an attorney.
You may be highly intelligent. But you’re not an attorney. You can’t file a lawsuit and conduct the process properly. An attorney can. Insurers pay more to attorneys.
Can you afford an attorney?
You will get more, much more, with the services of an attorney, than you can possibly ever get by negotiating yourself. In fact, like everything else, the insurance industry has statistics. Their own published statistics reveal that the average person receives three times (3x) more when using an attorney!
So once again, it costs you nothing up front. The fee for an injury attorney is contingent upon recovery for you. No recovery, no fee. What is the fee? It is typically a percentage of the total recovery. Fees usually range from 30% to 40%.
Injured? Hire an attorney. Hire me.