If you’ve been hurt in a car accident in Connecticut, one of the first questions that comes to mind is: Do I really need to hire an attorney if I have car insurance?
It’s a fair question—and one that many drivers face after a crash. The short answer? If you’ve suffered injuries, it’s always worth speaking with a qualified injury attorney—even (perhaps especially) if you have insurance.
Here’s why.
Insurance Isn’t Always Enough After a Car Accident
Many people mistakenly believe that having “good” insurance coverage means they’re fully protected after an accident. However, insurance companies, whether yours or the other driver’s, have a singular goal: to limit their payouts. This means that even with insurance, you will likely not be fully compensated for all your losses unless you hire an attorney.
You may receive an offer from an insurance adjuster shortly after your accident. It may even seem reasonable at first glance. But here’s the truth: once you accept a settlement, you can’t go back for more—even if your injuries turn out to be more serious or long-lasting than you first thought.
An experienced car accident lawyer in Connecticut is well-versed in the complexities of these cases. They can help you navigate the challenges of insurance claims and work to ensure you receive the compensation you deserve.
Injury attorneys know how to:
- Investigate the crash thoroughly
- Assemble and organize police reports, medical records, and witness statements
- Work with accident reconstruction and other experts as needed
- Negotiate with insurance companies on your behalf
- File a lawsuit if a fair settlement isn’t offered
- Effectively fight for your rights in court.
Without legal representation, you may find yourself at a disadvantage, even if you weren’t at fault.
When You Should Talk to a Connecticut Car Accident Lawyer
Consider hiring an attorney if:
- You suffered any injuries, especially those requiring medical treatment
- You’re facing medical bills related to the collision
- You missed time from work
- The insurance company is pressing for a quick settlement
- You’re being blamed for the accident
- You feel overwhelmed or are unsure of your rights
RisCassi & Davis offers free consultations, so there’s no risk in exploring your options.
Common Mistakes to Avoid After a Car Accident Injury
Even if you have insurance, certain missteps can hurt your claim. Examples include:
- Failing to seek medical treatment right away
- Allowing the insurance company to get a recorded statement from you before you’ve had a chance to speak to an attorney
- Accepting a quick settlement offer before knowing the full scope of your injuries
- Waiting too long to take legal action (Connecticut’s statute of limitations is typically 2 years for car accident injury claims)
Protect Your Health—and Your Financial Future
Being injured in a car accident is overwhelming. Between medical appointments, missed work, and dealing with insurance adjusters, it’s easy to feel lost. Having a skilled injury lawyer by your side gives you the best chance to recover both physically and financially.
A good lawyer doesn’t just seek a quick settlement with the insurance company —they fight for your rights, guide you at each step of the way, and work to secure fair compensation following an accident.
Final Word: Insurance Helps, But Legal Representation Protects You
Car insurance plays a role in the aftermath of a crash, but when injuries are involved, consulting with an experienced Connecticut car accident attorney can make all the difference in protecting your health, finances, and peace of mind.
RisCassi & Davis is Ready to Help
If you or a loved one is ever injured in a car accident of any kind, know that the Connecticut car accident lawyers at RisCassi & Davis have assisted people injured in accidents for over 70 years. We have also received meaningful state and national recognition for our work in this area of the law. If you are ever in a car accident of any kind and would like a free consultation with one of our Connecticut car accident lawyers, please contact us. There is no obligation.