After an accident caused by someone else’s negligence, a skilled personal injury attorney can hold the liable parties responsible by filing a lawsuit for your damages. Unfortunately, common misconceptions cause many victims to make serious mistakes, some of which could impact your right to file a suit. Here are some of the most prevalent myths about personal injury claims.

4 Common Misunderstandings About Personal Injury Suits

Filing a claim is expensive.

Most personal injury attorneys understand that accident victims do not have substantial resources, which is why they typically work on a contingency basis. Under this arrangement, they take their fees out of your final award, with little to no out-of-pocket costs upfront.

Your health insurance will cover the costs.

Your health insurance policy may pay some of the costs of your medical treatment, but you’ll still likely be responsible for copays, coinsurance, and the deductible. Health insurance also won’t pay for your lost wages, pain and suffering, and other noneconomic damages.

You can file a claim later.

State laws strictly limit the time period in which accident victims can file a claim. In Iowa, for instance, action must be taken within two years of the date of the accident or your injuries were discovered, after which you may lose your right to compensation.

I don’t need a personal injury attorney.

While the liable party’s insurance company may seem sympathetic, hiring an attorney is essential for collecting the full amount you’re entitled to. Insurers employ lawyers who try to ensure you receive as little as possible, and your personal injury attorney may be the only one advocating for your interests.

If you’ve been injured by a careless driver or hurt on someone else’s property, the personal injury attorneys at Schnurr Law Firm, P.C. will provide the aggressive, knowledgeable representation you deserve. From their offices in Fort Dodge, they’ve been helping northern and central Iowa accident victims get the compensation they’re owed since 1986, making liable parties pay for the damage they’ve done. Visit their website to see how they can help, or call (515) 576-3911 to schedule a free consultation today.