The Motor Vehicle Accident versus the Insurance Lawyer: Hiring an Attorney to Argue Your Case


Have you been involved in a motor vehicle accident? Were you seriously injured? Or, was your car damaged?

At this juncture, determining the guilty party is not relevant to whether you should hire an LA Allstate insurance lawyer or not. In fact, all the parties involved in the accident should hire an attorney to file the motor vehicle insurance claims.


By way of answering this question, let’s consider the following points:

What is a motor vehicle accident?

The online legal dictionary states that a car accident “occurs when a motor vehicle strikes or collides another vehicle, a stationary object, a pedestrian, or an animal.” Additionally, a motor vehicle accident results either in minor injuries, property damage, serious injuries or death.

Furthermore, there are many contributing factors to consider when determining the accident’s cause. And finally, some accidents have legal consequences, especially when the driver who caused the accident is simultaneously charged with a DUI or DWI.

The primary purpose of an insurance attorney

An insurance attorney is a legal professional, admitted to the bar, and who is skilled, knowledgeable, and experienced in dealing with motor vehicle insurance claims.

Succinctly stated, an insurance company is a for-profit company, and if listed on the local stock exchange, is obligated by its shareholders to generate as big a profit as possible. Consequently, the insurance company will try and avoid paying out insurance claims if it can do so.

This is, in essence, the need to hire an expert attorney to manage your insurance claim. In a manner of speaking, the insurance claim process becomes a battle between how much, or how little, the insurance company will have to pay to settle the claim.

It is vital to note that every time you claim on your motor vehicle insurance policy, your monthly premiums will increase. Mainly, the monthly premium or amount is calculated based on the risk that the company will have to pay out claims on your behalf. Therefore, the more you claim, the higher your risk profile becomes. And, the more your monthly premiums will be.

Additionally, it is also worth being aware of the fact that, while the police report is not necessarily admissible in a court of law, it is still considered valuable information by the insurance company.

Therefore, if the police report takes a negative tone, the insurer will increase the claimant’s risk profile and load the premiums, possibly unnecessarily. An insurance attorney can argue against this report and its negative consequences on the monthly insurance premium increase.

Final thoughts

From the content presented in this article, it is necessary to conclude that hiring an insurance attorney to file all insurance claims on your behalf is an essential part of the post-accident regime. Otherwise, you could end up losing a lot of money, held responsible for an accident that was not your fault, and running the risk of your monthly insurance premiums being unnecessarily loaded.