Schedule a Consultation

Should You Settle a Car Accident Claim Without a Lawyer?

February 5, 2025
Settle a Car Accident Claim Without a Lawyer

In New Mexico, you are legally permitted to settle a car accident claim on your own. However, this approach is generally not recommended, especially if the accident was severe or if the circumstances are complicated. Hiring an attorney for your car accident claim can help safeguard your interests and rights in securing compensation.

If you’re considering self-representation, it’s crucial to weigh the risks. Insurance companies often aim to minimize payouts, and without a lawyer from a reputable firm advocating for you, you might accept a settlement that doesn’t cover your damages. Below, we’ll explore why consulting an attorney for car accident claims in New Mexico is highly advised.

What Can a Lawyer Do for My Car Accident Claim?

If you’ve been in a car crash, one of the considerations is whether or not to seek legal advice. According to a study published by NIH, increased lawyer representation could enhance access to compensation by car accident claimants. In many situations, seeking legal counsel could improve the chances of assessing timely and adequate compensation. Here are some key reasons why working with an attorney is advisable:

Serious Injuries

If you sustained catastrophic injuries, you’ll need a lawyer to accurately assess your medical expenses, rehabilitation costs, and potential long-term impacts. Self-representation in these cases may lead to undervaluation of claims, as the financial stakes are too high to risk.

Disputes Over Fault

When fault is unclear or disputed, an attorney will collect and present evidence to establish liability. This is especially important in New Mexico, which follows a pure comparative negligence approach (New Mexico Statutes Section 41-3A-1). This implies that your recovery could be reduced if you’re found to share fault. Your lawyer will ensure fair fault assignment so you are not exploited.

Fatal Accidents

If someone lost their life in a car accident in New Mexico, the family members could pursue wrongful death claims. However, this process is complex and emotionally charged. An attorney can handle the legal aspects of the claim to allow the surviving family members to focus on grieving and healing.

Commercial Vehicles Involved

Accidents involving commercial vehicles often involve multiple parties. For example, truck accidents may include the truck driver, the employer, and insurers. These cases require a lawyer who understands the ins and outs of commercial liability and federal regulations.

Lowball Settlement Offers

Insurance companies are profit-driven and often offer settlements far below what victims need to cover their expenses. A lawyer can negotiate for a better settlement on your behalf. If the parties cannot see eye to eye, they will take your case to court to fight for a fair settlement.

Is Settling a Car Accident Claim Without a Lawyer Worth the Risk?

Settling a car accident claim without legal representation may seem like a way to save money, but it often costs more in the long run. Without an attorney, you might overlook critical aspects of your claim or accept a settlement that fails to account for future expenses associated with the injuries. 

Also, Insurance companies have experienced adjusters and legal teams working for them. To level the playing ground, shouldn’t you have an attorney on your side as well?

Schedule a Free Consultation With an Attorney for Car Accident Victims in New Mexico

If you or a family member has been harmed in a car accident in New Mexico, don’t settle for less than your damages dictate. In most cases, personal injury attorneys offer free consultations, giving you the opportunity to understand your legal options without any financial obligation. A lawyer for car accident victims in New Mexico will manage the process while you focus on healing. Schedule a free consultation online or call 800-433-2408 today to protect your rights and reclaim your life.