5 Reasons You Need to Hire a Car Accident Lawyer After Your Accident

Securing legal representation is essential after some car accidents. Here are five reasons you need to hire a car accident lawyer following an accident.

Car crash with tow truck at night
Headshot of man in dark suit

Mark Roman

November 1, 2022 10:00 AM

If you’ve been involved in a minor car accident that only resulted in property damage or negligible injuries, you might be tempted to resolve your accident claim yourself. After all, doing so can save you money on legal fees and get you a quick settlement to cover the resulting costs.

However, there are some situations in which seeking legal assistance is vital. Here are five reasons you should hire a car accident lawyer after a car accident.

What Happens in a Car Accident Claim?

Anytime a car accident causes injuries, the victim has rights under tort and insurance law. Since Florida uses a no-fault auto insurance system, insurance law determines when tort law applies and how much you can recover after an accident.

All registered car owners in Florida must carry personal injury protection (PIP) insurance. PIP coverage pays 80% of your medical bills and 60% of your income losses.

In Florida, you file a claim with your auto insurer instead of the at-fault driver’s insurer following an accident. Under the no-fault rules, your insurer pays PIP benefits even if you caused the crash.

In the event of a minor accident, your insurance policy’s $10,000 in PIP benefits will cover your financial losses. Under Florida law, you cannot file a liability claim or lawsuit against the at-fault driver for minor injuries or accidents with less than $10,000 in damages.

But serious accidents can cause severe injuries. Florida’s no-fault system allows you to pursue a liability claim or lawsuit against the at-fault driver when you:

In these situations, you’ll deal with the at-fault driver and their insurer in an adversarial process.

5 Reasons You Should Hire a Car Accident Lawyer

During your case, you could encounter a situation where you don’t know how to proceed or feel like the at-fault party’s insurer is treating you unfairly. A skilled lawyer will have the knowledge and experience needed to secure compensation for you in several ways, including:

1. Forcing Insurers to Play Fair

Insurance companies don’t serve claimants or policyholders — they serve their shareholders.

When you file a claim, the insurer sees you as a threat to its profit margin. The more insurers pay in claims, the less they have to invest and earn profits. As a result, they often go to great lengths to avoid paying a claim.

Tactics insurers might use to pressure you into taking a low settlement offer include:

  • Slow-walking or delaying your claim
  • Denying claims on technical grounds
  • Accusing you of causing or contributing to the cause of the accident

Florida, like most states, has a version of the unfair claims settlement practices act. This law tells insurers what they can and can’t do when processing an auto insurance claim.

Lawyers ensure that claim adjusters follow these rules. When insurers fail to act in good faith to settle a claim, lawyers can remind them of their legal duties under Florida law.

Most importantly, a lawyer can file a bad faith insurance claim if the insurer doesn’t handle your claim honestly and fairly. This risk of a bad faith insurance lawsuit often stops insurers from playing games.

2. Overcoming Claim Denials

Insurers frequently deny claims. Sometimes, these denials are technical — for example, when you fill out a form incorrectly. Other times, they happen for legitimate reasons, such as when investigators conclude that the policyholder didn’t cause your accident.

In many situations, though, an insurer will deny a claim simply because it lacks certain information. The insurance company might want more details about your injuries, or it might have questions about the treatment or therapy you received.

When this happens, the insurer will often accept part of your claim and deny the rest. They assume that you’ll accept whatever they offer, even if it fails to cover your losses.

A car accident lawyer can respond to claim denials to make sure you get the full value of your case. The lawyer has experience in dealing with insurers and will be able to present additional evidence or legal arguments to overcome spurious denials.

3. Keeping Your Case Organized

Regardless of the circumstances of your accident, your case will involve a lot of paperwork, including:

If your case goes to court, court filings, depositions, and documents from the opposing party will also come into play.

A law firm can keep these records organized and use them to present the best possible case for compensation.

4. Negotiating Settlements

Insurers aren’t concerned about treating you fairly. Instead, they look at the risk of a lawsuit if they fail to settle the case. In other words, they want to pay you the minimum amount possible to prevent you from suing.

Even when a claim gets accepted, the insurer will often make a settlement offer far below the value of your case. In some situations, the offer won’t even cover your out-of-pocket expenses.

A good lawyer can evaluate your case and help you decide what a fair settlement would include, then negotiate with the insurer to settle your case.

5. Suing the At-Fault Driver

You may need to file a lawsuit if your lawyer can’t settle your case. A lawsuit is simply a way for a judge and jury to resolve your dispute.

Your lawyer will prepare and file the pleadings for your suit. Once the case is underway, they’ll gather evidence and file motions to set the ground rules for your case.

Throughout the case, their main goal will be to settle your claim, but if it goes to trial, they’ll be able to present your evidence and arguments to a jury.

Hiring a Car Accident Lawyer

If you’ve been injured in a car accident in any of the aforementioned circumstances, there’s no reason not to hire a car accident lawyer.

Most personal injury lawyers work on contingency fees, which allows victims to receive legal representation and only pay based on the results that representation produces. This approach lets you benefit from having a lawyer on your side with minimal risk and no upfront expense.

Mark Roman is an attorney founder of Roman Austin Personal Injury Lawyers, a Florida personal injury law firm with offices in Clearwater, Tampa and New Port Richey, he is a proud Tampa Bay native and attended Florida State University College of Law in 1986. He obtained a certification as an expert in Civil Trial Law, his main purpose is helping accident victims rebuild their lives. Contact us for a free consultation.

Phone: (727) 787-2500

Headline Image: credit Unsplash/ Matt C

Related Articles


7 Things to Never Do After a Car Accident

by J.L. King

The actions you take after a car accident could determine the injury compensation you stand to receive. Learn seven things to never do after a car accident.

Cartoon of person with big pencil and check list


Why You Should Hire a Car Accident Lawyer

by Bill Winters

There are many benefits to hiring a car accident lawyer. They’ll handle your claim from start to finish and ensure you recover the best possible outcome. Learn more here.

Red fire truck beside two crashed cars


Nine Factors That Determine How Much to Expect from a Car Accident Settlement

by Aaron Tillman

Learn about the factors that can impact how much to expect for a car accident settlement in Portland, including what you can do to maximize how much you receive for an injury claim.

Yellow background with black and white animation of car crash


What Will a Car Accident Lawyer Actually Do for You?

by Joshua Fogelman

Learn what a car accident lawyer can do for you after a Texas car crash, including protecting your right to receive maximum compensation for your injuries and damages.

Hands pointing to a white car that has been damaged


Should I Get a Lawyer for a Car Accident That Wasn't My Fault?

by Mark Anderson

Learn about the reasons why you need to get a lawyer for a car accident claim and how a lawyer can help you get the compensation you deserve for injuries and damages.

Girl in orange sweater grasping injured neck


5 Things To Consider When Choosing a Car Accident Lawyer

by Gregg Hollander

The lawyer you choose could make the difference between a winning and losing outcome. Learn five things to consider when choosing a car accident lawyer.

Two cars crashing into each other beside judge's gavel


The Wolf Near Wall Street

by Rebecca Blackwell

When tensions among shared real estate owners reached their tipping point, Adam Leitman Bailey P.C. stepped in and solved a modern issue with an ancient remedy.

New York Real Estate with Adam Leitman Bailey

Family Owned and Operated

by David W. Holaday and John M. Goralka

In the era of sweeping tax reform, family businesses, particularly agricultural business, face many environmental and governmental risks. Outlined below are strategies to ensure family business survival in the face of these threats.

Man on tractor in open field

Where There’s No Will . . .

by Anthony J. Enea

. . . there’s no way for you to ensure your assets get distributed the way you would prefer. A guide to the consequences of exiting the stage without a last will and testament in New York.

Money symbol fading to dust

Split Decisions

by Jonathan Merel

Divorce is inevitably fraught with a torrent of emotions on both sides. Don’t let this occlude your ability to plan rationally and dispassionately to ensure as smooth a process as possible. Here are five common pitfalls to avoid.

Two people standing on either side of a heart made out of curving roads

Divorce in a Downturn

by Jennifer Brandt

Couples who choose to end their marriage during a recession must confront a host of difficult economic questions in addition to all the financial and emotional demands inherent in any divorce.

Piggy bank broken into different sections

Ghosts of Christmas Past

by Steven M. Visioli

’Tis the season . . . for a vacation without the kids. A recommendation against sharing co-parenting holidays with your ex.

Family walking on the beach at sunset

Making a List, Checking It Twice

by Lindsay Heller

Being a separated parent with kids can add stress to the holidays. These five tips can help you navigate the season, maintain your sanity—and ensure that the focus remains on the children’s happiness.

Couple drinking glasses of wine

Confronting the Inevitable

by Theresa Jo Gaffney

It’s never easy to contemplate one’s mortality. Yet end-of-life planning is essential at any age, as I learned all too well when my husband contracted COVID-19 several months into the pandemic. The peace of mind such forethought brings is essential should the worst come to pass.

Unseen figures holding hands

"Lawyer of the Year"

Woman standing in front of city backdrop

Jennifer Durham King

Financial Services Regulation Law

Chicago, IL


Understanding Illinois’ Workers’ Rights Amendment

by Gregory Sirico

Best Lawyers weighs in on Illinois' newly enacted Amendment 1, which sets to provide state workers with the right to collectively bargain and organize.

Figures standing on giant hand

Trending Articles

Announcing the 2023 The Best Lawyers in America Honorees

by Best Lawyers

Only the top 5.3% of all practicing lawyers in the U.S. were selected by their peers for inclusion in the 29th edition of The Best Lawyers in America®.

Gold strings and dots connecting to form US map

Best Lawyers: Ones to Watch in America for 2023

by Best Lawyers

The third edition of Best Lawyers: Ones to Watch in America™ highlights the legal talent of lawyers who have been in practice less than 10 years.

Three arrows made of lines and dots on blue background

The Best Lawyers in South Africa™ 2023

by Best Lawyers

Best Lawyers proudly announces lawyers recognized in South Africa for 2023.

South African flag

Could Reign Supreme End with the Queen?

by Sara Collin

Canada is revisiting the notion of abolishing the monarchy after Queen Elizabeth II’s passing, but many Canadians and lawmakers are questioning if Canada could, should and would follow through.

Teacup on saucer over image of Queen's eye


2022: Another Banner Year

by John Fields

Block O’Toole & Murphy continues to secure some of New York’s highest results for personal injury matters.

Three men in business suits standing in office

Famous Songs Unprotected by Copyright Could Mean Royalties for Some

by Michael B. Fein

A guide to navigating copyright claims on famous songs.

Can I Sing "Happy Birthday" in Public?

Announcing the 2023 The Best Lawyers in Canada Honorees

by Best Lawyers

The Best Lawyers in Canada™ is entering its 17th edition for 2023. We highlight the elite lawyers awarded this year.

Red map of Canada with white lines and dots

Wage and Overtime Laws for Truck Drivers

by Greg Mansell

For truck drivers nationwide, underpayment and overtime violations are just the beginning of a long list of problems. Below we explore the wages you are entitled to but may not be receiving.

Truck Driver Wage and Overtime Laws in the US

What the Courts Say About Recording in the Classroom

by Christina Henagen Peer and Peter Zawadski

Students and parents are increasingly asking to use audio devices to record what's being said in the classroom. But is it legal? A recent ruling offer gives the answer to a question confusing parents and administrators alike.

Is It Legal for Students to Record Teachers?

Thirteen Years of Excellence

by Best Lawyers

For the 13th consecutive year, “Best Law Firms” has awarded the most elite and talented law firms across the country through a thorough and trusted data review process.

Red, white and blue pipes and writing on black background

The Upcycle Conundrum

by Karen Kreider Gaunt

Laudable or litigious? What you need to know about potential copyright and trademark infringement when repurposing products.

Repurposed Products and Copyright Infringemen

Choosing a Title Company: What a Seller Should Expect

by Roy D. Oppenheim

When it comes to choosing a title company, how much power exactly does a seller have?

Choosing the Title Company As Seller

Caffeine Overload and DUI Tests

by Daniel Taylor

While it might come as a surprise, the over-consumption of caffeine could trigger a false positive on a breathalyzer test.

Can Caffeine Cause You to Fail DUI Test?

Announcing The Best Lawyers in Australia™ 2023

by Best Lawyers

The results include an elite field of top lawyers and firms from Australia.

The Best Lawyers in Australia™ 2023

Announcing the 2022 Best Lawyers® in the United States

by Best Lawyers

The results include an elite field of top lawyers listed in the 28th Edition of The Best Lawyers in America® and in the 2nd Edition of Best Lawyers: Ones to Watch in America for 2022.

2022 Best Lawyers Listings for United States

Announcing The Best Lawyers in Germany™ 2023

by Best Lawyers

The results include an elite field of top lawyers and firms from Germany.

Black, red and yellow stripes