i had an auto accident and my kids were in the car now being that the lawyers take so much money out of your check i am not sure if i would want to use one or just see what the ins co will offer me what should i do i have 4 kids and myself involved so you know they want me should i settle on my own or hire an attorney should i see what they have to offer or just let an attorney handle it there is five people so there is five cases and an attorney wants a cut out of each naturally
SOMEONE PLZ HELP
has anyone dealt with nationwide and can share your story
2006-09-20 19:24:42 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
I cannot comment regarding Nationwide. However, it's your choice whether to get an attorney to handle the claim. Some people don't want to deal with some of the paperwork that goes into the claim handling. Some just think they have to have one. You don't have to have one. What does tend to happen is the claim pends longer when you have an attorney, and you still end up getting what the insurance company feels the claim is worth. They don't add more money on the value of your claim because you have an attorney (and if they did, it wouldn't be more than the 1/3 the attorney takes so it all evens out in the end). The attorney will take 1/3 of your settlement though, and 40% if you go to trial (most of the time).
The question you're asking is really legal advice, so unless some attorney wants to give you advice, what you get here is worth what you paid for it. But what about this- work with Nationwide, see what they are willing to do. If you are unhappy with that seek counsel. If they've offered you some amount of money and you think you can do better you could also consider if you get an attorney asking him to only take his 1/3 from any additional money he gets Nationwide to pay? Something to think about. And if you get an attorney, you're not "suing" Nationwide. He's just representing your interests and acting on your behalf. He can sue, but that's not the first step.
Again, the choice is yours.
2006-09-21 11:50:39 · answer #1 · answered by Chris 5 · 0⤊ 1⤋
Unless you are uninsured you don't need a lawyer.The only reason a lawyer would be interested in your case is that he stands to make a lot of money off you if you have a lot of medical bills. I need to know who was at fault here. I am assuming you were not since you're looking for a settlement. If you have medpay or personal injury protection on your own policy, your insurance will be able to pay for you then go after the other insurance, and you can rest assured that it will be taken care of while your family recovers. The fact that you are asking suggests you don't have this coverage and Nationwide insures the at-fault party.
------The insurance industry is heavily regulated. It doesn't matter who is handling your bodily injury claim, they must pay you for any and all necessary medical treatment. The only issues you might have are: 1. Does your accident justify your treatment (did you get in a minor fender bender and haul the family to the chiropractor 16 times---if so, don't count on everything being paid...also, did you go to a regular doctor? Not that chiros aren't legit but having a true medical opinion of your injury can make a difference in the support of medical necessity). 2. Does the at-fault party have enough coverage to pay for 5 injured people? Ask Nationwide if there is the potential for a "limits issue." They won't tell you how MUCH coverage the other guy has due to privacy laws, but they CAN tell you if there is the distinct possibility it won't all be paid.
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Attornies are best if you have no understanding of how things work, or have a valid dispute that is unresolveable. Try going thru the insurance, then if it doesn't work out, consult with an attorney.
2006-09-21 03:37:00 · answer #2 · answered by Pieandchips 3 · 0⤊ 0⤋
I've never had Nationwide insurance, but I have been in a few car accidents in my live. First I would see what the insurance company would offer, than being that your kids were in the car too, I would (personally) get a GREAT attorney.
Yes they take their share, but I don't think they take as much for kids..33% to 35% for adults, kids not sure but maybe 17% or something like that. Make sure you get an attorney that deals only in accidents or at least just a couple of things. Not one that as a list a mile long, I have found that they don't try to get you what you deserve. I know its happened to me. I'm permanently disabled for the rest of my life unless I can find a job with no stress. (good luck to me).
I'm in Michigan and here its a no-fault state so the car insurance has to pay for any medical (from the accident only) for the rest of my life. Any prescription the doctor writes, any kind of care, as long as it pertains to the accident.
I'm sorry I can't help you with Nationwide insurance. The only dealings I have with them is mutual bonds from my last job.
Good Luck and I hope everyone is OK.
2006-09-20 19:47:29 · answer #3 · answered by Kel 1 · 0⤊ 0⤋
Refer this lawsuit over on your coverage enterprise. the choose refer the priority to protection advice. protection advice will enter an answer on your behalf and take care of you. purely by way of fact her assertion of damages is $50k, does no longer propose that she would be offered that quantity. The plaintiff has a pre-contemporary decrease back injury. this would be on your want. She desires to coach that this minor incident aggravated or led to a sparkling injury. She probable has yet another declare pending someplace for the 1st injury. Your protection lawyer will subpoena all earlier scientific information, and that they are going to be reviewed. Your coverage enterprise and protection advice will do each and every thing achieveable to settle the declare interior your coverage cut back. If for some reason they have faith the declare will exceed your coverage cut back, they're going to notify you well timed. at that factor, you will could hire separate advice provided that your coverage enterprise's accountability to take care of ends while they provide the coverage cut back. touch the claims adjuster and communicate your concerns. The adjuster will clarify each and every thing to you. purely a coaching, you're able to to boost your criminal accountability limits. As you're actually experiencing, minimum limits may well be extreme priced.
2016-10-01 05:08:22 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Never settle with an insurance company. They will screw you over big time.
Hire yourself a lawyer to deal with them.
You will probably end up paying around 33% of any settlement you get to the lawyer, but it will be better than anything the insurance company will offer.
2006-09-20 19:34:06 · answer #5 · answered by gizzardout 3 · 0⤊ 1⤋
i was lookingin to them because i can get a discount because of where i work. all the reviews online were horrible. if i were you i would go with a lawyer. you will probably get less if you go at it on your own.
2006-09-20 19:33:49 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Is anyone even injured??? Or are you looking for a lawyer first, a doctor second?
2006-09-21 11:38:22 · answer #7 · answered by ohso_quiet 4 · 0⤊ 1⤋