Insurance company

Do I need a lawyer to sue an insurance company?

A personal injury lawyer can ensure that your interests and legal rights are respected throughout your trial.


You don’t need to hire a lawyer to sue an insurance provider. For example, negotiations for fair compensation in many truck accident cases do not involve lawyers.

Indeed, most of these accidents cause only minor injuries. However, it is worth retaining the services of a lawyer who will fight for your fair compensation.

Accidents can lead to serious injuries, often requiring expensive operations and follow-up care. Sometimes a family member can die as a result of an accident.

The severity of your injuries following a collision with a truck

More serious injuries from truck accidents can require expensive surgeries and prescription drugs. A settlement amount from an insurance company might not account for all facets of the chronic condition(s) you developed as a result of the accident.

Therefore, before taking further action, a personal injury attorney can help assess the problem.

Sufficient evidence

For an insurance claim to be successful, you will need enough evidence, especially if it involves large sums. You can gather various types of evidence, including:

  • Medical bills
  • Pictures of injuries
  • Testimonials
  • Medical reports

Without proof, the court or the insurer will think that you are exaggerating your damages or lying about your ailments. You should get a free consultation from a law firm for help if you cannot gather enough evidence on your own to successfully sue an insurance provider.

Ability to assess damage caused by truck accidents

Do you have a reliable method to estimate the real cost of your injuries following a truck accident? A lawyer can help you if the answer is no.

It is not in your interest to underestimate your damages, even if there is no precise method.

Personal injury lawyers know the law well and know how to navigate the convoluted legal system. Therefore, legal assistance may be required even if you are suing an insurance company without a lawyer.

Possibility of settlement negotiation

After determining all of your damages, you must send an official written request for payment to your insurance. Copies of relevant documents, such as the request for formal notice, must be attached.

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  • Medical fees
  • Health records
  • Relevant receipts
  • Photographic and video evidence
  • Testimonials

However, do not expect to immediately receive a check from your insurer. Before getting paid, there are frequent negotiations.

Small claims for minor injuries may not require lengthy negotiations and counter offers from the insurance company.

However, if you have medical evidence that demonstrates your full recovery, it is wise to take out compensation for these minor accidents.

When not to file a lawsuit without a lawyer against an insurance company

Legal aid helps you obtain the fair compensation to which you are entitled for your material, psychological and bodily damage if your injuries are serious. A solicitor will ensure you have the proper advice to deal with costly and difficult financial claims for a range of illnesses, including:

  • Wrongful death
  • Medical negligence
  • Injuries involving children
  • Product liability
  • Negligence in a nursing home
  • Serious motor vehicle collisions

Benefits of Consulting a Personal Injury Lawyer

If you are represented by an attorney, insurance companies and the courts are more likely to take your claim seriously. A lawyer will know exactly what to look for and how to present your case in the best light. For example, having legal representation means:

  • You can more easily identify the party responsible for the accident.
  • You can acquire more evidence to demonstrate the severity of your damages and injuries.
  • You can rely on your attorney to speak with the insurance provider on your behalf so that you don’t say anything that could jeopardize your case.

A personal injury lawyer can ensure that your interests and legal rights are respected throughout your trial.