Auto Accident Frequently Asked Questions
- Should I provide a statement to an insurance company without a lawyer’s help?
- Will I have to go to trial to recover damages?
- What is considered “pain and suffering?”
- Can the insurance company refuse to pay my medical bills if my car was not damaged?
- The insurance company has offered me far less for my vehicle than what I owe on it. I thought they had to at least pay off my loan.
Hope Law Firm, P.L.C.—the aggressive and affordable legal remedy for your auto accident
Contact us online to schedule your free 30-minute consultation or call us at 515.255.3559 We offer night and weekend appointments for your convenience. If you are unable to come to our office, we will come to you. We accept Visa and MasterCard. There is Hope in Iowa.
Should I provide a statement to an insurance company without a lawyer’s help?
It is in your best interests to only provide your contact information to an insurance company until you consult with a lawyer. The more significant your injuries, the more imperative it becomes to seek legal counsel before providing any statement.
Will I have to go to trial to recover damages?
About 95 percent of personal injury cases filed settle prior to trial.
What is considered “pain and suffering?”
Pain and suffering includes harm caused by physical injury and mental anguish experienced through avoiding activities you engaged in prior to your accident and the potential of surgery.
Can the insurance company refuse to pay my medical bills if my car was not damaged?
No. While the insurance company might try to draw a direct correlation between damage done to your car and the severity of your personal injury, it is possible that the body sustains damage even if the car did not. The reverse may also be true—a car might experience major impact, but the people might only suffer minor cuts and bruises.
The insurance company has offered me far less for my vehicle than what I owe on it. I thought they had to at least pay off my loan.
Your insurance company is typically only required to pay the actual cash value of the vehicle. It does not have to pay your loan.
