While you can technically handle a personal injury claim on your own, hiring an attorney is strongly recommended for most cases. Here's why:
When you likely need an attorney:
Your injuries are serious or require ongoing medical treatment. The fault or liability is disputed. Multiple parties are involved. The insurance company is offering a low settlement. Your claim involves complex legal issues (product liability, medical malpractice, government entities).
What an attorney does:
Investigates the accident and gathers evidence. Handles all communication with insurance companies. Calculates the full value of your claim (including future damages). Negotiates aggressively for a fair settlement. Files a lawsuit and represents you in court if necessary.
Cost: Most personal injury attorneys work on a contingency fee basis, meaning they only get paid if you win. The typical fee is 33% of the settlement (before trial) or 40% if the case goes to trial. Initial consultations are usually free.
When you might not need one: For very minor injuries with clear liability and straightforward insurance claims (like a minor fender bender with no lasting injuries), you may be able to negotiate directly with the insurance company.