If you’ve been involved in a car accident that wasn’t your fault, you may be wondering whether it’s really necessary to hire a lawyer. After all, the other driver caused the crash, shouldn’t their insurance company just pay what you’re owed?
Unfortunately, it’s not always that simple. Even when fault seems clear, getting full and fair compensation can be a challenge. Insurance companies often prioritize their bottom line and may use tactics to delay, deny, or minimize your claim.
Here’s why hiring an Englewood, CO car accident lawyer after an accident is often a smart decision.
Insurance Companies Will Challenge Your Claim
It’s important to remember that insurance adjusters work for the insurance company, not for you. Their goal is to settle claims as cheaply and quickly as possible.
Even if the other driver clearly caused the accident, the insurance company may use tactics designed to reduce your compensation award. For example, they may:
- Dispute the extent of your injuries
- Argue that your medical treatment was unnecessary
- Blame you for part of the accident (comparative fault)
- Offer a lowball settlement far below the value of your claim
Without a lawyer, you may not know what your case is truly worth, and you may not have the resources to push back against unfair tactics.
Should I Get a Lawyer for a Car Accident That Wasn’t My Fault?
A Lawyer Can Accurately Value Your Accident Claim
Many accident victims underestimate how much compensation they’re entitled to. You may think you’re only owed payment for your car repairs or medical expenses.
But a skilled Englewood personal injury attorney will assess the full value of your claim, including:
- Medical bills (past and future)
- Lost wages
- Loss of earning capacity
- Pain and suffering
- Emotional distress
- Permanent disabilities or disfigurement
These damages can make up a substantial part of your compensation award, so it’s important to identify and calculate all your losses.
You May Be Blamed for the Accident
Even in accidents where another driver is completely at fault, their insurer might still try to shift blame onto you. In Colorado, modified comparative negligence laws may reduce your compensation if you’re found partially responsible for an accident. For example, under these rules, if you’re deemed 20% at fault, your damages could be reduced by 20%.
However, once your level of fault reaches 51% or more, you will not be able to recover any compensation.
Claims of comparative fault are often false or exaggerated. A personal injury lawyer can defend you against unfair blame and gather evidence to prove the other party’s liability.
You Have Limited Time to Take Legal Action
Colorado’s statute of limitations sets a strict deadline for filing a car accident lawsuit. Generally, you will have three years from the date of your crash to initiate a personal injury lawsuit.
If you miss that window, you lose your right to recover compensation. There are limited exceptions.
A lawyer can help you comply with all deadlines and protect your case from being dismissed on a technicality.
Contact a Colorado Car Accident Lawyer for Help
Even if the accident wasn’t your fault, having a lawyer on your side can make a major difference in the outcome of your case. From dealing with insurance companies to calculating your full damages, an attorney can help you get the compensation you truly deserve.
If you were injured in a car accident caused by someone else, speak with an experienced Colorado personal injury lawyer to understand your rights and next steps. Legal Help in Colorado offers free consultations.