If you have insurance and are involved in a car accident, your legal representation may already be covered. One of the functions of auto insurance is to pay for legal actions arising from the claim, including lawyers and their fees. Hiring your own lawyer effectively cancels some of your policy benefits, and presents a situation where your attorney may clash with your insurance company as well as the person who was at fault in the accident.
In the case of traumatic injuries, either to you or someone you injured, having a lawyer on your side is a good idea. If you were at fault in the accident, your insurance company may investigate the claim for driver negligence or some other tactic that allows them to deny the claim. If this happens, an independent attorney who is working for you directly may be the best way to minimize your losses.
Retaining a lawyer is not usually necessary for minor accidents, or even accidents that involve property damage but no personal injury. Property damage claims are usually settled out of court, and a lawyer would only be required if the claim was denied or inadequate for the situation. Claims that are being appealed might be handled better by someone who is experienced in insurance law, and that increases your chances of a successful settlement.
Insurance companies are likely to become less cooperative if you start threatening lawsuits and legal actions. Not only is it important to keep in mind that the insurance company represents you in a fashion similar to a lawyer, you should also be prepared for a lengthy process as your lawyer negotiates with insurance company lawyers.
If you are taking legal action against your auto insurance company, it is probably a wide idea to change to a different insurance provider as soon as possible. Compare rates for different insurance companies using online insurance quotes, it saves you time and allows you to get quotes for a policy customized for your unique requirements.