Do You Need a Lawyer After a Minor Car Accident?

What Is Considered a Minor Car Accident?

A “minor car accident” typically involves:

• Minimal property damage (e.g., small dents, scratches, or bumper damage).
• No apparent serious injuries.
• Low-speed collisions include parking lot accidents or rear-end accidents in heavy traffic.

While these types of accidents may seem straightforward, the consequences can sometimes be more complex than they initially appear.

Why Do People Hesitate to Hire a Lawyer After a Minor Accident?

Many drivers involved in minor accidents assume they don’t need a lawyer because:

• The damage appears minimal.
• No injuries are immediately obvious.
• They believe insurance will handle everything.
• They are worried about legal fees and think the costs outweigh the benefits.

While these reasons are understandable, they often overlook that minor accidents can lead to unexpected legal or financial challenges, especially when insurance companies get involved.

When You SHOULD Hire a Lawyer After a Minor Accident

There are many situations where hiring a lawyer—even for a minor car accident—can make a significant difference. Consider consulting a lawyer if:

You’ve Suffered Injuries (Even Minor Ones)

• Injuries like whiplash, soft tissue damage, or concussions are common in low-speed accidents, and they may not present symptoms immediately.
• You could face long-term medical expenses or chronic pain from injuries that initially seemed minor.
• A lawyer can help you recover compensation for medical bills, lost wages, and pain and suffering.

The Insurance Company Disputes or Denies Your Claim

• Insurance companies often try to minimize payouts, even in minor accidents.
• They may argue that the damage or injuries are not as severe as claimed or that you were partially at fault.
• A lawyer can negotiate with the insurance adjuster and advocate on your behalf.

Fault Is Unclear or Disputed

• If the other driver claims you were at or partially at fault, it could impact your ability to recover compensation.
• Missouri follows a comparative negligence rule, meaning your compensation could be reduced based on your percentage of fault.
• An attorney can gather evidence, such as police reports, witness statements, and photos, to establish liability.

There Are Hidden or Long-Term Costs

• Vehicle repair costs can quickly escalate, especially if underlying damage is not immediately visible after the crash.
• Medical bills for injuries may pile up over time, especially if you need physical therapy or ongoing treatment.
• A lawyer can help you assess the full extent of your damages to ensure a quick settlement does not shortchange you.

The Other Driver Is Uninsured or Underinsured

• If the at-fault driver doesn’t have insurance or insufficient coverage, you may need to file a claim with your insurance company.
• This can be a complex process, and your insurer may not offer the compensation you deserve without a fight.
• An attorney can guide you through uninsured/underinsured motorist claims.

You Feel Pressured to Settle Quickly

• Insurance companies often pressure accident victims to settle quickly for a low amount.
• Once you accept a settlement, you waive your right to pursue additional compensation, even if your damages become more significant later.
• A lawyer can review the settlement offer to determine if it’s fair or negotiate for a better outcome.

How Much Does It Cost to Hire a Lawyer?

One of the biggest concerns after a minor accident is the cost of hiring a lawyer. Most car accident attorneys, including The Hoffmann Law Firm, work on a contingency fee basis. This means:

• You pay nothing upfront.
• The lawyer only gets paid if you win your case.
• The fee is typically a percentage of the settlement or verdict.

This arrangement allows you to get legal help without worrying about out-of-pocket expenses.

Final Thoughts: Should You Hire a Lawyer After a Minor Accident?

While not every minor car accident requires legal representation, it’s important to carefully evaluate your situation before deciding to handle it alone. Hidden injuries, disputed claims, or lowball insurance offers could turn a minor accident into a major headache. Consulting with a lawyer can give you peace of mind and protect your rights.

If you’ve been in a car accident in Missouri—no matter how minor—The Hoffmann Law Firm, L.L.C. is here to help. With over 25 years of experience handling car accident cases in St. Louis, we’ll provide a free consultation to evaluate your case and guide you through the legal process. Contact us today to learn how we can help you get the compensation you deserve.