April 23, 2025
millerins
What are the con’s to hiring a lawyer to settle an auto insurance claim?
Hiring a lawyer to settle an auto insurance claim can definitely have upsides—especially if you’re dealing with injuries, significant damages, or an uncooperative insurance company—but there are a few cons to be aware of:
1. Cost / Attorney Fees
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Contingency fees: Most personal injury or auto claim lawyers take a percentage of your settlement (often 30–40%), which can significantly reduce your final payout.
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If you might’ve been able to settle it yourself with a similar result, it can feel like money left on the table.
2. Slower Resolution
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Lawyers often take a more thorough and strategic approach, which can drag out the process.
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If you’re hoping for a quick payout, having an attorney involved might actually delay things.
3. Not Always Necessary
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For minor accidents or clear-cut cases, hiring a lawyer can be overkill.
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Insurance companies often settle these cases fairly quickly and efficiently without legal involvement.
4. Potential for Conflict
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Once you bring in a lawyer, the relationship with the insurer can shift to being more adversarial.
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This might cause the insurance company to fight harder or become less cooperative.
5. You Lose Some Control
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Your lawyer will handle communication, negotiation, and legal strategy, which means you’re not as hands-on.
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Some people prefer to be directly involved, especially if they’re good negotiators or want to avoid the formality of legal proceedings.
Would you like help deciding whether it’s worth it in your situation? Just let us know the basics—like the type of accident, injuries, and whether fault is disputed.