Why Do I Need an Attorney? Should I Talk to the Insurance Adjuster?
What is the importance of a personal injury attorney for your insurance claim? Why do you need an attorney if you are injured in a car accident in Mission Viejo, Irvine or Orange County California? Why shouldn’t you just try to handle insurance injury claims yourself? The short answer is:
- a) a lot more money, and
- b) you will save a tremendous amount of time and hassle dealing with all of the medical bills, providers, collectors and negotiating with insurance adjusters.
The Importance of a Personal Injury Attorney For Your Insurance Claim
According to the insurance industry itself:
“injured people recover 3 ½ times more when they were represented by a lawyer.”
“…the vast majority of dollars paid out in bodily injury (personal injury) claims are dispensed to claimants who are represented by an attorney. Less than half of injured claimants hire an attorney. Those who hired an attorney represented 79% of all injury liability payments by insurance companies.”
Another study by the State University of New York at Buffalo concluded the average recovery of claimants with an attorney was found to be from 4 to 12 times higher than those who represented themselves.
This has absolutely been true in our own cases. The vast majority of our cases result in much higher ultimate settlements or verdicts than the offer of the insurance company.
Original Offer from Insurance Result Achieved by Rivers Morrell
Rivers Morrell is an experienced and proven personal injury attorney based in Mission Viejo and Irvine for over 40 years. Serving all of Orange County, Los Angeles and the Inland Empire, Mr. Morrell is highly respected by insurance companies, his clients, the legal industry and his peers alike.
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The Medical Bills and Liens in Your Case Must Be Paid First
Most people are unaware that their health insurance, and/or medical providers can have claims for reimbursement for any services they have rendered due to the personal injury claim.
These entities and providers can have a lien for services that must be paid back once the personal injury claim is settled with the insurance company.
Without an attorney the settlement with your insurance company will all go straight to your insurance and health providers.
Most people believe that once they have settled their claim and gotten paid by the insurance company, that they are able to keep all the money. They will be disappointed to find out that they will actually still owe their health insurance and hospital providers money for services they provided due to the accident after the amount paid by the insurance company is gone.
“What Rivers did for me is he handled everything. He handled the doctors, he handled the insurance people and their attorneys, he handled the medical bills. He handled everything! Everything Rivers did for me leaves me with more to face this for the rest of my life.”
– Ana, Car Accident Injury Client
We Work to Settle All Bills and Provide the Resources You Need for the Months and Years to Come
Why do medical providers and healthcare companies who treated your injuries allow you to keep part of the settlement if the Law Firm of Rivers Morrell is involved? The simple fact that they, the medical insurance companies who provide for your health care know they will be paid and actually receive more money in the end.
Insurance companies always offer far less than your injuries and medical bills justify. An experienced and proven trial attorney like Rivers Morrell will hold insurance companies accountable and achieve a much higher settlement or trial verdict than you will receive on your own. There is simply more money available for all parties. Everyone benefits, except the insurance company managing your personal injury claim.
The medical bills portion of the settlement we achieve is always much higher than the total amount which is normally available to pay your provider’s liens and medical bills. They know if an attorney is involved, they will receive a much better settlement themselves than if you are not represented.
And best of all, you almost always get to keep part of the settlement or verdict for yourself to offset the pain and suffering and lost wages you’ve been forced to endure.
You Need an Experienced an Proven Personal Injury Attorney
Now you know more about the importance of a personal injury attorney for your insurance claim and how our work with not only the car insurance paying the claim but the medical insurance covering your injuries results in more money and a better outcome for you in the end.
Our experienced attorneys can not only negotiate your claim to reduce the amount of money owed to insurers, but also help to ensure all medical providers and health insurers accept payment as a “settlement in full” to make sure that you are not owing money after your injury claim is settled.
Get answers to your questions such as “Do I have a Case?” and “How Much is My Claim Worth?”
We invite you to review the strong recommendations of former clients and the legal industry and contact us or call to speak with me personally for a free, private and confidential consultation at (949)305-1400.
There is no cost to you out of pocket for our representation as we work on a contingency fee basis.