There are times when you need a lawyer and times when you don't. Generally, people can resolve property damage themselves, working directly with their insurance company.
Minor medical problems like a bump on the head - injuries that do not cause major disruption or expense in your life - usually do not rise to the level of a civil suit. If you hired a lawyer because of a scratch, it would cost you more than you might receive.
But when your injury is serious enough that you incur significant medical expense or you can't report to work or the injury proved to be very upsetting, then it's time to hire a skilled personal injury lawyer.
On your own, unless you are unusually talented and knowledgeable, you will not be able to persuade insurance company lawyers to pay you the full costs of your injury. They will offer you a dime on the dollar, and you will accept, the alternative being nothing.
But an experienced lawyer has gone up against these opposing lawyers many times. He or she knows how the law works and how the game is played.
If you decide to litigate an injury, you must do it within three years, by New Hampshire law. This statute of limitations also applies to wrongful death actions.
Bear in mind that insurance companies, which all brag in their advertisements about how much they care about your well-being, do not want to write you a check of any size. They will lowball you and dismiss your injuries as trivial.
If insurance companies kept their word and paid out what they promised, there would be no need for lawyers. It is because of insurance company tactics that you need an attorney of your own, representing your interests.
Not surprisingly, we recommend our lawyers at The Law Offices of Stephen C. Brown & Associates in Rochester, New Hampshire. If you live in this area, you already know us. We are involved with the community and the region, and we bring powerful knowledge of the law and a talent for persuasion to every client we represent.
Contact us at your convenience at 603-332-3535 for a no-charge, no-obligation conversation or email us. Remember that no personal injury lawyers charge you fees. We are paid when we produce meaningful results for you.