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Facts : 28y / o ; brand new attorney . In auto accident 4 mo ago . Other driver was 100% at fault . Suffered compound femur fracture requiring rod in leg , scrapes and bruises . Missed 14 weeks of work ; have scars on leg . Other driver has 250K policy , no umbrella , no assets save for highly mortgaged home , and was not in a work vehicle or on work business . Lost wages and medical bills ( subject to subrogation following settlement ) total 90k ; thus , max pain / suffering amount is 160k . Assuming I engage an attorney and we get the max of 250k , after 1 / 3rd fee , I get 166k ( 40k - lost wages ; 50k - current medical ( after 50k PIP limit ) ; 76k for future medical / pain / suffering ) . Q : If I am able to get a settlement offer for 170k or higher on my own , are there any reasons I should still get a lawyer ? ThanksClarification: Total med bills are 100k with PIP coverage of only 50k with ERISA plan covering the balance. No knowledge of any lien issues. UIM coverage is equal to other driver's limit and will not stack. If this goes to suit, I will not defend myself; I'm only interested in whether I should still seek an attorney for insurance settlement piece.
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