We understand the challenges you face after an accident. Our attorneys are committed to ensuring that you receive the compensation you deserve.
Feeling overwhelmed when you’re injured in an accident or facing legal challenges is natural. Insurance companies or opposing parties often exploit this vulnerability, offering quick settlements that may seem tempting. However, accepting a settlement without consulting a lawyer can have serious financial and legal consequences.
Don’t settle for less than you deserve. Contact Schierer & Ritchie, LLC today for a free consultation, and let us confidently guide you through this process.
Settlements Are Final
When you accept a settlement, you typically sign a release of liability. This means you forfeit your right to seek additional compensation, even if you discover new injuries, medical expenses, or other damages later.
- Example: You accept a $10,000 settlement after a car accident. Weeks later, you’re diagnosed with a spinal injury requiring surgery. Since you signed the release, you cannot pursue additional compensation for these unforeseen medical costs.
An attorney ensures that all aspects of your case are thoroughly evaluated before you commit to a final agreement.
You Might Undervalue Your Claim
Insurance companies are in the business of minimizing payouts. Without legal expertise, it’s easy to underestimate the full value of your claim.
- Common overlooked damages:
- Future medical expenses
- Lost earning potential due to long-term disability
- Pain and suffering
- Emotional distress
An experienced lawyer knows how to calculate the true value of your case, considering both current and future losses.
Insurance Companies Are Not on Your Side
Insurance adjusters may seem friendly, but their goal is to protect the company’s bottom line. They often use tactics to convince you to accept less than you deserve.
- Tactics they use:
- Offering a quick settlement before you understand the extent of your injuries.
- Downplaying the severity of your damages.
- Pressuring you to give recorded statements that can be used against you.
A lawyer is your advocate, ensuring your rights are protected, and you don’t fall victim to these tactics.
Complex Legal and Medical Issues
Personal injury cases often involve complicated legal and medical questions. For example:
- How do state laws, like Illinois’ comparative fault rules, affect your case?
- What is the long-term prognosis for your injuries?
- How do you prove non-economic damages like pain and suffering?
An attorney has the expertise to address these issues and works with medical experts to build a strong case.
Evidence Must Be Properly Collected and Presented
Winning a fair settlement requires proper documentation and evidence. This can include:
- Medical records
- Accident reports
- Witness statements
- Photos or videos of the accident scene
- Expert testimony
You may miss critical evidence or fail to present it effectively without legal guidance. A lawyer ensures that your case is well-documented and compelling.
Deadlines and Legal Procedures
In Illinois, personal injury cases are subject to a statute of limitations—a strict deadline for filing a lawsuit. Missing this deadline could mean forfeiting your right to compensation entirely.
- Other legal hurdles:
- Filing the correct paperwork
- Responding to motions from the opposing party
- Understanding courtroom procedures
An attorney handles these complexities, ensuring your case stays on track and complies with all legal requirements.
Protecting Against Future Expenses
Injuries often come with ongoing medical costs and unforeseen complications. Without legal representation, you may settle for an amount barely covering your immediate expenses, leaving you vulnerable to financial strain later.
- Example: A settlement might cover your initial hospital bills but fail to account for:
- Physical therapy
- Prescription medications
- Assistive devices like wheelchairs
- Long-term care needs
A lawyer anticipates these costs, negotiating a settlement that reflects your long-term needs.
You May Be Entitled to More Compensation
Many people don’t realize the full range of damages they can claim in a personal injury case, such as:
- Non-economic damages: Pain and suffering, emotional distress, loss of enjoyment of life.
- Punitive damages: Additional compensation intended to punish egregious negligence or misconduct.
Without an attorney, you might leave money on the table that you’re legally entitled to receive.
Negotiating Power
Lawyers are skilled negotiators who understand the tactics insurance companies use. When you have legal representation:
- Insurance companies are more likely to take your claim seriously.
- Your lawyer can counter lowball offers with a well-supported demand for fair compensation.
- If necessary, your attorney can take your case to trial, putting additional pressure on the opposing party to settle somewhat.
Peace of Mind
Dealing with legal and financial matters after an accident can be stressful. By hiring a lawyer, you can focus on your recovery while they handle the complexities of your case. Knowing that a professional advocate for your best interests provides peace of mind during a difficult time.
When Should You Consult a Lawyer?
It’s always a good idea to consult a lawyer before accepting any settlement offer, but it’s essential if:
- You suffered serious injuries or permanent disability.
- There is a dispute about who was at fault.
- The settlement offer doesn’t cover all your damages.
- You’re unsure of your legal rights or the value of your claim.
How Schierer & Ritchie, LLC Can Help
At Schierer & Ritchie, LLC, we understand the challenges you face after an accident. Our attorneys are committed to ensuring that you receive the compensation you deserve. We’ll evaluate your case, handle negotiations, and, if necessary, take your case to trial to secure a fair outcome.
Don’t settle for less than you deserve.
Contact Schierer & Ritchie, LLC today for a free consultation, and let us confidently guide you through this process.