Why Do It Yourself?
Why should you take the do-it-yourself approach to settling your injury
claim? There are several very good reasons, all adding up to the same basic
answer: You will - in most cases - keep a larger portion of the insurance
settlement when you do it yourself.
Did you ever wonder why attorneys advertise personal injury cases so much?
Take a look at the ads on the Internet, on television or in your phone
book. Notice how few ads are for wills, probate and real estate, etc., as
opposed to personal injuries. The reason they advertise so much is that
there is a lot of money to be made on an hourly basis in personal injury
Much of the fees are for the "up-front" portion of the case. These fees are
earned by the attorney for things you could do yourself. You can and should
earn (or save) that money yourself even if you eventually hire an attorney.
Because the same documents have to be gathered, the same forms have to be
put together, whether you do them for yourself or the attorney does them,
you can choose to do it yourself and save on attorney fees.
Have you considered negotiating the best
settlement offer you can, and then hiring an attorney? Check out
Take a Settlement Offer to an Attorney
for how to negotiate lower attorney fees when you bring a settlement offer
with you. The sum you save could be many times the cost of your membership
There are many costs associated with an injury that are typically
reimbursed as part of a settlement with an insurance company. Those costs
- Medical doctor
- Physical therapy
- Chiropractor or other injury treatment specialist
- Massage therapy
- Transportation costs
- Lost wages
- Other direct losses
There are also costs that are not generally reimbursed, which can
- Copy of hospital record(s)
- Copy of medical doctor's record(s)
- Copy of other treatment record(s)
- Copies of x-rays
- Telephone long-distance charges
- Fax charges
- Many other costs sometimes called nickel-and-dime items
By doing much of the work yourself, you can keep these non-reimbursed
costs to a minimum. Thus, you are able to keep more of the final settlement
than if you had to pay higher costs to an attorney.