After a car accident, it can be difficult to know what to do. Focusing on getting better is important but you may also be thinking about the financial impact on your life because of a careless driver. You do have the right to take legal action against the at-fault driver and the sooner you take action the better. To help you better understand how your accident case might or might not require professional legal help, read below and find out more.

You Are Hurt — Injuries that are more than just a bruise or sore muscles call for more than just what the insurer might want to pay you. Even something like a broken arm or a sore neck could turn out to cause lasting debilitation and expensive medical bills. If you are counting on the insurer to cover your medical bills, they might do an adequate job — at first. The more serious your medical needs, the less likely you are to receive coverage. Speaking to a lawyer helps get those bills paid and ensures that you are covered for future needs.

A Loved One Died – Devastating losses may only be covered by speaking to a lawyer. To have a legal standing after the death of a loved one in an accident, you must show that you were financially dependent on your loved one.

Your Vehicle Damage is Not Covered – Most states mandate that vehicles are to be repaired or replaced using the at-fault driver's insurance policy. Even at-fault drivers that are not insured have some coverage in so-called no-fault states. Unfortunately, your vehicle might not be fully covered in some instances. If any of the below apply, you may need a lawyer:

  • You owe more money on your vehicle than it's worth and you did not purchase gap insurance with the car.
  • Your vehicle is very expensive, rare, or collectible.

You Missed Work — It's safe to say that almost all accident victims will lose some time from work. Since most victims cannot afford to lose any income, all time missed from work hurts the budget. In cases where you are out of work for weeks, the effect can be devastating. Lastly, if you are dealing with a permanent injury, your chances for continued employment may be in jeopardy. Unfortunately, insurers won't automatically cover lost wages and the negative effects on your career. Speak to a lawyer about your needs.

If any of the above situations sound strikes a cord, speak to a personal injury attorney.