Answering Your Most Pressing Car Accident Questions
If you have been hurt in a car accident in Ohio, you likely have many questions regarding insurance settlements. Usually, people are contacted by an insurance adjuster within days or weeks of a car crash. Please do not rely on the insurance adjuster's advice. The best way to get answers that apply directly to your situation is to contact an experienced personal injury attorney. Be comfortable with the attorney you choose. Interview your attorney and ask people you trust for an attorney referral.
At Rittgers & Rittgers, a Cincinnati-based law firm with locations in Cincinnati, Lebanon and West Chester, we offer the personalized representation you require after your car accident. We can analyze your situation, perform a full investigation and represent your interests in car accident negotiations or at trial.
If you were involved in a car accident, you need good legal counsel.
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The following is just a sample of the frequently asked questions we receive from individuals injured in car accidents throughout the state of Ohio. For more information and for other questions, reach out to our car accident attorneys for a consultation.
Do I need an attorney?
While it is possible to obtain a car accident settlement from an insurance company on your own, we advise everyone to speak with a car accident lawyer. In our experience, settlement offers are significantly higher when an attorney is involved. An experienced attorney will help you understand the value of your claim and guide you through the critical steps of what you need to do after a car accident to ensure you receive maximum compensation.
How much does a personal injury attorney cost?
Some people believe it costs a lot of money to hire a skilled car accident attorney. All of our lawyers represent injured accident victims on a contingency fee basis. Our clients pay nothing unless we obtain a favorable car accident settlement or verdict for their injuries. If you have been injured in an accident, you do not need money to retain an experienced lawyer.
How much is my case worth?
Your personal injury claim depends greatly on the extent of your injuries, the damage done to your vehicle and many other financial considerations. Your claim can also include damages for pain and suffering and loss of enjoyment of life. The amount you will be able to recover also depends on your insurance coverage and the coverage of the at-fault driver.
What if I do not have insurance, or the person who hit me does not have insurance?
Most auto insurance carriers provide uninsured/underinsured insurance to provide coverage in instances where you or the at-fault driver does not have insurance. If neither of you have insurance, you do have the opportunity to seek compensation directly from the at-fault driver. Speak to one of our experienced car accident lawyers to learn more.
What if the insurance policy limits are less than my damages?
If medical bills or damages are greater than the at-fault driver's insurance policy limits, you should look to your own uninsured/underinsured insurance to cover the balance. Your attorney should analyze every potential insurance policy prior to advising you on any settlement offers. Furthermore, you must receive consent from your uninsured/underinsured carrier before accepting money from the at-fault driver if you intend to make a claim for your uninsured/underinsured coverage.
What if the at-fault driver's insurance adjuster refuses to pay me for my injuries?
In many cases, insurance adjusters deny liability even when their driver is cited as the at-fault driver in the police crash report. Do not panic. This is a common insurance company tactic. If your injury is the result of someone else's fault, a lawsuit should be filed and the case should be prepared for trial. In almost every case, the insurance company will change its position.
How long does it take to pursue a claim?
The length of time for a car accident claim varies depending on complexity of your claim, severity of your injuries, policy limits, the insurance company's willingness to offer fair compensation, and your desire to settle or go to trial. While some settlements can be obtained within a matter of months, many claims last longer. It is important that you do not rush to accept a settlement. You should be finished treating and be certain of your future medical needs prior to taking a settlement offer.
Contact Our Cincinnati Personal Injury Lawyers
Our personal injury attorneys have more than 30 years of experience representing the interests of clients injured in a variety of motor vehicle accidents. Contact our Ohio law firm today to find answers to your car accident questions.