Can an Attorney Help You Deal with the Insurance Companies?

If you were badly injured in an accident that wasn’t your fault or suffered extensive property damage, an attorney can help you recoup your losses. A personal injury attorney can help you get compensation for doctor bills, lost wages, loss of personal property, and more. Depending on the severity of your accident, you may even be eligible for punitive damages to cover pain and suffering. Here are a few reasons why hiring an attorney could be to your advantage in handling a personal injury claim.

Legal Experience

If you’re at a loss as to how to handle personal injury claims, an attorney can help you navigate your case. Your lack of experience can work against you in dealing with insurance companies to settle your claim. Whether you were hurt in an auto accident or suffered a fall at a supermarket, you could be entitled to compensation for your injuries if the accident was caused by negligence on someone else’s part.    

By investigating your case and collecting evidence of what happened, an attorney can determine if the accident was caused by negligence or reckless conduct. If negligence was involved, your attorney will take measures to file a claim against the insurer of the party at fault. Once your claim is filed, your attorney will manage your case, monitor its progress, and take measures to negotiate a settlement to compensate you for your injuries and/or damages. Working with an experienced attorney can make a big difference in the outcome of your case.

Negotiating Power

As many personal injury claims are settled out of court, it’s to your advantage to hire a law firm or attorney, such as Ferguson Law, known for their negotiation skills. Your attorney should have experience in the type of claim you’re making, i.e. auto injury, workers comp, etc. When seeking compensation, your attorney will take into consideration such factors as the extent of your injuries, cost of current (and future) medical care, loss of wages and damage to personal property. If the accident left you permanently disabled, you should be compensated for your disability, especially if you can no longer work or take care of your family. Your settlement should also reflect the amount of pain and suffering your accident caused.

Insurance companies often offer low initial settlements in the hopes that a claimant will take the compensation quickly and close the case. A low settlement, however, may not fully cover your loss. An attorney can help you evaluate the full extent of your injuries or damages to include punitive damages, if warranted, so you can receive the compensation you deserve.

An experienced attorney will be more effective in negotiating a higher settlement with the insurer. If negotiations break down, having an attorney will make it easier for you to go to court to settle your case. With the help of an experienced attorney, you can get a fair settlement that accurately compensates you for your loss.


If the insurance company stalls in negotiating a settlement or refuses to settle due to not wanting to pay a high settlement cost, you may be forced to file a lawsuit and go to trial to get the compensation you seek. Working with a qualified personal injury attorney increases your chances of succeeding in winning your case.   

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