If you are in a car accident, you may not need an attorney. If you have not been injured or if other circumstances arise, you might be better off without an attorney. This guide will help you understand those situations in Alabama when you may not need an attorney.
1
You only have Damage to your Car, and you were not injured
Regardless of whether the car is totaled or repaired, the attorney is going to take a fee from the total amount, and you will not be able to replace or repair your car with the remaining amount.
2
Subrogation or Hospital Lien Too High
If there is not enough auto coverage, and the health insurance company's subrogation claim or the hospital lien is too high, you will end up with nothing for your injury, and the attorney will end up with a fee. Probably not what you are looking for.
3
Fees will eat up the value of the case
If there is only a minimum policy available from the at fault driver and your injuries are significant, you would be entitled to the whole policy. If you can get the insurance company to pay it, you wouldn't want an attorney because you would only receive 2/3 of the policy, not 100%. Why? The attorney fee will take away a portion of your recovery. Again, probably not what you want.
4
Not enough insurance coverage or no coverage - single car collision and UM - deer or animal
Sometimes there is just no avenue for recovery. If there is no insurance available, i.e.: an uninsured driver and you rejected uninsured motorist coverage (which you should NEVER do), there is nothing an attorney can do. Similarly, if you hit an animal, there is no insurance or funds to recover.
5
Contributory negligence - not clear liability
In Alabama, if you were partially at fault, you cannot recover. You don't need an attorney if you can't recover anyway. No need to waste your time or the attorney's.
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