After a car crash, it’s natural to feel overwhelmed. You may be in pain, confused about what just happened and unsure of what steps to take next. That is wholly understandable. And you’re not alone in feeling this way.
One of the most common questions people ask is whether they should call a lawyer or their insurance company first. The answer depends on the situation, but unless the crash resulted in little more than scratched paint, speaking with a lawyer early on can help you to protect your rights.
Insurance companies don’t work for you – A lawyer does
Insurance companies expect you to report an accident promptly. Most policies require notification within a reasonable time. However, that doesn’t mean you have to give a detailed statement right away. If you’re unsure about fault or believe injuries may be involved, speaking with a personal injury lawyer before calling the insurer can give you the guidance you need to handle the next steps in your best interests.
If you contact your insurance company too quickly and without legal guidance, you may unintentionally say something that can be used against you later. Insurance adjusters are trained to minimize payouts. They may ask leading questions or request a recorded statement while you are still shaken. Even a small misstatement can come back to haunt you, especially if another driver’s insurance company tries to shift blame.
A personal injury lawyer can help assess whether your claim may involve more than just property damage. If you’ve been injured—even if the injury seems minor at first—a lawyer can guide you in documenting your condition, seeking appropriate care and preserving evidence so that you can maximize any compensation that you may be rightfully owed.
With that said, if you’ve already reported a recent crash to your insurer, it’s still not too late to consult a lawyer. In fact, it’s often smart to avoid further conversations with any insurance company—including the other driver’s—until you’ve received legal support. Your lawyer can speak on your behalf, help you avoid common pitfalls and negotiate a settlement that reflects the true cost of your injuries and losses.
Calling a lawyer early doesn’t mean you’re filing a lawsuit. It means you’re taking steps to understand your rights. In personal injury cases, that knowledge is power.
