Have You Been Injured? We're Ready to Fight for You.

Do you Need an Attorney after a Car Accident? Three Factors to Keep in Mind

Published on Jun 25, 2014 at 8:02 am in Auto Accident.

Kentucky Attorneys Naturally, you might think that as an attorney I would promote the use of attorneys in car accidents. That’s not always the case. If you’re in a small fender bender where no one is injured and the insurance company for the party at fault offers to pay all of the damages and expenses you are entitled to, then you can probably use your judgment in settling the matter with minimal fuss.

What I will say, and most people who’ve been involved in a car accident of any seriousness will back up, is that the insurance agent does not represent your interests. This is the first significant factor: The insurance agent represents the insurance company’s interests, not yours.

This fact is easy to lose sight of. You may have been loyal to the same insurance company for years, and faithfully pay your premiums. They may have been very courteous and helpful when you needed your car towed that last time, and helping you replace a dinged windshield.

The second important factor to keep in mind is that the party at fault, if you were the one hit – their insurance company most definitely does not have your interests in mind. Their goal is to have their company pay out the least amount possible – to reach their goal, many agents will work to minimize your claim at every possible chance. They will challenge your estimate of the car repair, even though it was produced by a reliable shop you’ve trusted for years. They nearly always challenge any kind of medical treatment you get, and they can play psychological games trying to intimidate you and make you feel like you’re a greedy plaintiff when the fact is your neck throbs so bad from the whiplash that you can barely make it through the day at work.

People handle these types of negotiations in different ways. The third thing to know is that a car accident settlement is most definitely a negotiation. No insurance company operating today will make you an initial offer for what they actually think your case is worth. They will make you a low-ball offer and it becomes your job to know the value of your claim, make a counter-offer, and stick to your guns until you get a reasonable offer. If you are comfortable working on this kind of negotiation, you may be able to get what you need and deserve for car repair, rental service, medical expenses, and follow-up therapy.

If you don’t want to take on those negotiations yourself, or you’re not sure what your claim might be worth, by all means, schedule a consultation with a lawyer experienced in the area.

Meet Your Team

Tad Thomas - Trial Lawyer

Tad Thomas

Managing Partner

Tad Thomas has dedicated his practice to representing plaintiffs in various types of civil litigation, including personal injury, business litigation, class actions, and multi-district litigation.

After graduating with his law degree in 2000 from Salmon P. Chase College of Law at Northern Kentucky University, Mr. Thomas immediately opened his own private practice and began representing injury victims.

In 2011, Thomas Law Offices was established in Louisville, Kentucky. Over the past decade, Mr. Thomas has expanded his firm and now has offices in three additional locations: Cincinnati, Ohio, Columbia, Missouri, and Chicago, Illinois. He is also a frequent lecturer on topics like trial skills and ethics and technology.

Free Case Evaluation

At Thomas Law Offices, our personal injury attorneys recognize that our potential clients are likely going through some of the most difficult times of their lives. We don't want you to have to worry about paying out-of-pocket for legal advice when you're just starting to learn your legal rights and options. That's why we provide free case evaluations. We'll offer our expert advice about your potential case and walk you through how we can help you.

Call us or fill out the form below to tell us about your potential case and a personal injury lawyer will get back to you as quickly as possible.

Legal & Firm News

What You Need to Know About Business Litigation and Contingency Fees

If your business has ever been involved in a legal matter, you may be surprised to hear the two phrases together: business litigation and contingency fees. Traditionally, it has been more common to associate a contingency fee model with personal injury law involving individual parties rather than businesses. But this is no longer always the […]

Read More

Signs of PTSD in Military Service Members

It’s estimated that up to one-third of military service members suffer from PTSD. PTSD, post-traumatic stress disorder, is a mental health condition that can develop following a traumatic event. This usually means an event involving actual or threatened death, serious injury, or abuse. People who have seen combat, witnessed death, or experienced a life-threatening situation […]

Read More

AAA Conducts Study Examining Travel Before and During COVID-19

In 2021, new research from the AAA Foundation for Traffic Safety’s New American Driving Survey revealed shifts in driving, traveling, and commuting patterns in the United States. The statistics gathered between July 2019 and December 2020 cannot be analyzed without consideration of COVID-19’s unignorable impact on the numbers—numbers showing marked differences from previous years’ findings.

Read More