If you've been in a car accident, you're probably wondering whether to hire a lawyer — and how much money you might be owed. Here's the honest breakdown.
What damages can you recover?
- Medical bills — both current and future treatment
- Lost wages — time off work during recovery
- Pain and suffering — harder to calculate, but often the largest portion
- Property damage — repair or replacement of your vehicle
Rule of thumb: Minor accidents (under $10,000 in damages) can often be handled directly with insurance. Serious injuries, disputed liability, or commercial vehicles involved? Get an attorney — most work on contingency (no win, no fee).
When do you definitely need a lawyer?
- You were injured and needed medical attention
- The other driver was uninsured or underinsured
- Liability is disputed (the other driver claims it wasn't their fault)
- A commercial truck or government vehicle was involved
- You missed work or have ongoing medical treatment
Good news: Personal injury lawyers typically work on contingency — you pay nothing upfront. They take 33% of the settlement if you win, nothing if you lose.
How long do I have to file?
Most states have a 2–3 year statute of limitations for car accident claims. Don't wait — evidence disappears and witnesses forget details. Even if you're unsure about filing, consult a lawyer soon after the accident.