After a car accident, it is your right to hire legal representation to deal with the insurance company on your behalf. John Michael Bailey's Injury Lawyers have extensive experience in dealing with bad faith insurance practices and know exactly what steps need to be taken to ensure full coverage of all your pain and suffering. One reason your car insurance may not provide you with an attorney in a car accident is if you don't have bodily injury coverage in your policy. Bodily injury liability is coverage that helps you pay for someone else's injuries in a car accident for which you may be found at fault.
Without this coverage, you run the risk of being personally liable for a person's medical bills and other damages. In Tennessee, all drivers must have liability insurance to cover the damages and injuries they cause. If the legal representation of the other party in the car accident lawsuit contacts you, don't say anything and refer them to your insurance company or a provided auto insurance lawsuit lawyer. The biggest mistake a person can make after being injured in a car accident is not to act quickly to get medical treatment and legal advice. Insurance companies generally call accident victims, often within 24 hours of the occurrence of the car accident. In cases where a car accident was catastrophic, where life-long injuries or even death occur, not only can your auto insurance pay the full value of the claim, but there is also a good chance that the victim will sue you in addition to what the payment was. If your car insurance company refuses to provide adequate compensation after your car accident, let the injury lawyers at John Michael Bailey help you get the fair coverage you need.
As a side note, Tennessee drivers who have an out-of-state car accident may be subject to the at-fault law even though the accident occurred in a no-fault state. So will your car insurance company hire an attorney for you? Your auto insurance company has a duty to defend itself; therefore, they must provide you with legal representation in case you are sued. It's one thing if your insurance company doesn't provide you with an attorney to defend you in court, but if the insurer also argues that there is no coverage for the accident (for whatever reason), the money the other driver earns in court will come from you. Refusing medical treatment is a mistake a person should always avoid after a car accident in Tennessee. Therefore, if, for any reason, the insured is accused of intentionally causing the car accident, there is a very real possibility that the insurer will refuse to provide coverage for the accident and refuse to provide an attorney to defend the insured in any lawsuit brought by the accident. When deciding if you need an attorney for a car accident claim, consider factors such as severity of injuries sustained, amount of property damage caused by the crash, amount of medical bills incurred, and amount of lost wages due to time off work. If you are involved in a car accident and can notify the insurer, do so on the same day or the next day at the latest. In conclusion, it is important to remember that if you are involved in a car accident, it is always best practice to seek legal advice from an experienced lawyer who can help protect your rights and ensure that all parties involved receive fair compensation.