Despite your best efforts to settle your personal injury case or accident insurance claim yourself, at some point in the process you might wind up wanting or needing help from a lawyer because of the seriousness of your injuries, complications in your claim, or simply an insurance company refusing to make you a reasonable offer – or take you seriously at all.

This three part series explains when you will want to talk to a lawyer at, how to find the right lawyer to help with your personal injury claim, and whether you need the lawyer to take over handling the claim or just need a couple of hours of advice. For more on how you can work with a lawyer without losing control of important decisions regarding your claim, see our two part article on “Working With Your Personal Injury Lawyer”.

Reasons to Use a Lawyer

You might consider consulting with an experienced personal injury lawyer at different points in the claims process, and for several reasons, including different law processes necessary, and that’s why is useful you learn about our law firm at

Your Claim Is Too Much to Handle

At the very beginning of the process, or at any point along the way, you might decide that your accident or injury claim is too big or too complicated to handle without a lawyer. This may be because there are technical or legal complexities that make it very difficult for a non-lawyer to manage.

Or it may be that your injuries are severe or permanently disabling, which makes the case more valuable and also means there’s a wide range in the amount of money you might recover. In such a case, it becomes worth the cost of a lawyer to make sure that you maximize your compensation. For more on this issue, see “Are Lawyers Optional in a Personal Injury Case?

It’s also possible that even though your claim isn’t particularly big or complicated, you still just do not feel comfortable handling it yourself. You might realize this at the beginning of the claim process. Or, you might begin handling matters yourself but later decide that you would prefer to have a lawyer take over. This happens to many people if their claim is headed to arbitration. In any of these situations, you are hiring an injury lawyer to relieve your stress in addition to winning more compensation for you.

You Reach a Stalemate With the Insurance Company

In some cases, you may handle your claim comfortably and competently but still wind up wanting to hire a lawyer because the insurance company refuses to make a fair settlement offer. If you’re not willing to settle for a token amount and you believe your claim is worth quite a bit more than the dollar limit of your state’s small claims court, you’ll need a lawyer to help you—and in these circumstances, the compensation a lawyer might be able to get for you, even considering the lawyer’s fee, would be better than settling. There are two main reasons an insurance company might give for refusing to make a reasonable offer.

Denial of Liability

It is not unusual for an insurance company initially to deny that their insured was in any way at fault for an accident. Often it does this in the hope that you will believe it, or that you will quickly become so frustrated that you give up and drop your claim. Usually, though, after you show that you will not immediately fold up your tent, an insurance company will come around and make a reasonable settlement offer.


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