After a car accident, victims often find themselves navigating the complex world of insurance claims and legal processes. During this vulnerable time, it is easy to come across misinformation. At Foster Wallace, LLC, we believe that an informed client is an empowered one. That is why we are addressing some of the most common misconceptions about car accident claims to set the record straight. 
Common Misconceptions About Car Accident Claims
1. You Don't Need a Lawyer If You Have Insurance
Many believe that having car insurance negates the need for legal representation. However, insurance companies are in the business of minimizing their payouts. An experienced attorney from Foster Wallace, LLC can help ensure that your rights are protected and that you receive fair compensation for your injuries and losses.
2. You Can File a Claim at Any Time
There is a statute of limitations for filing car accident claims, which varies by state. In Missouri, for example, you typically have five years from the date of the accident to file a personal injury lawsuit. Waiting too long can result in losing your right to compensation.
3. Minor Injuries Do Not Warrant a Claim
Even minor injuries can lead to significant medical costs and other losses. It is essential to get a thorough medical evaluation and consider the long-term impact of the injury. Our experienced Kansas City-based personal injury lawyers at Foster Wallace, LLC can help assess the full extent of your damages.
4. The At-Fault Driver’s Insurance Will Cover All Costs
There is no guarantee that the at-fault driver’s insurance will cover all your expenses. Coverage limits may not fully compensate for your losses, and in cases of underinsured or uninsured motorists, collecting compensation can be even more challenging.
5. You Must Accept the First Settlement Offer
The first settlement offer is often lower than what you may be entitled to. It's crucial to review any offer with your attorney before accepting it. Foster Wallace, LLC is skilled in negotiations to ensure that any settlement reflects the true value of your claim.
6. You Cannot Afford a Car Accident Attorney
Many car accident attorneys, including those at Foster Wallace, LLC, work on a contingency fee basis. This means you don’t pay unless we win your case. There are no upfront costs, making legal representation accessible to those who need it.
7. Lawsuits Are Always Necessary to Get Compensation
While some car accident claims do result in lawsuits, many are settled out of court. Foster Wallace, LLC always strives for the most efficient resolution, which often means settling without the need for a lawsuit. Many cases even get settled without a lawsuit.
Clarifying the Facts with a Car Accident Attorney
At Foster Wallace, LLC, we are dedicated to providing clear, accurate information and representation to our clients. We’ll help you understand the realities of car accident claims and work tirelessly to ensure you receive the compensation you deserve.
