Having a personal injury attorney by your side after a car accident provides great mental relief as they carry out all necessary tasks on your behalf and seek a fair settlement. Still, many people do not consider hiring a personal injury lawyer in New Hampshire due to their elaborate fee structure.
If you have had a car accident recently and are confused if your car insurance will cover the lawyer’s legal fee, you have landed on the right page. This article will discuss situations where your insurance company will not cover legal fees.
So, without any further delay, let’s dive in!
When may your insurer cover legal fees?
If you have a car accident and the second party files a case against you, your insurance company will offer you a personal injury lawyer or an attorney. In such a situation, most car insurance policies have a “duty to defend.” It protects you from paying any legal fees if someone accuses you of a car accident.
Does your insurance company not cover legal fees?
Here are some exceptions when your insurance company will not cover legal fees:
- The car accident was caused intentionally.
- No notice was provided to the insurance company after the accident.
- The damage suffered by the other party is beyond your policy limit.
When Should You Hire a Car Accident Lawyer?
1. Gather Evidence
Having evidence in your favor is essential to building a substantial car accident claim. Gathering this evidence alone can be a hectic task; thus, hiring a car accident lawyer is a good decision as they help you get all the evidence and prove that the other party was at fault.
2. Prove Your Injuries
After the car accident, chances are high that you will be badly injured. At times, these injuries do not show up on your body. Consider hiring an accident lawyer to explain the complexity of the damages caused during the accident, strengthening your case.
3. Determine Fault
At times, you are still determining what happened and who it was. It’s time; hiring a car accident lawyer is vital, as they will collect all the evidence and try to prove that the other party is at fault.
Car insurance covers the lawyer’s fee, depending on the situation and the policy. Hence, consider hiring a personal injury attorney without worrying about the cost.