After a car crash, one of the most common questions people have is whether they really need a lawyer or if they can handle things on their own. According to Colorado attorney Mary Ewing, the answer depends on the situation.
If there’s no dispute over who was at fault, no injuries, and the insurance company’s offer seems fair, there may be no need to hire a lawyer. However, if injuries are involved, there’s disagreement about who caused the accident, or the value of the car is being questioned, legal advice can make a major difference.
Mary explains that some people invest heavily in their cars with upgrades or accessories and are disappointed by low insurance offers. The reality, she says, is that insurance payouts are based on market value—not personal investment. Even so, consulting an attorney can help you understand your rights and confirm whether the offer is fair.
What are the warning signs of an unfair insurance offer?
Mary reminds listeners that insurance companies are businesses that make money by collecting premiums and minimizing payouts. If the insurer is only offering the wholesale value of your car or ignoring key details from resources like Kelley Blue Book, it’s a red flag.
When it comes to injury claims, she notes that it’s extremely rare for insurance companies to make fair settlement offers without legal representation. An experienced attorney can ensure the offer reflects the true value of your injuries and losses.
Why shouldn’t you rush to settle your claim after an accident?
Many people make the mistake of settling too soon just to move on. Mary strongly advises against this. She typically recommends waiting at least a year before settling any personal injury claim.
While it’s fine to resolve property damage quickly, physical recovery takes time—and the full extent of injuries may not be clear for months. Mary encourages clients to focus on their health first. Once they’re certain they’ve fully recovered, then they can make an informed decision about settling their claim.
What hidden costs do accident victims often overlook?
Beyond medical bills, there are many costs accident victims forget to track. Mary points out that expenses like mileage to and from physical therapy, massage therapy, or even specialized equipment such as supportive bedding can be reimbursed.
In some cases, doctors recommend swimming in a warm pool as part of rehabilitation—joining a health club with the right facilities can also be a valid claim expense. Keeping detailed records helps ensure none of these hidden costs are lost in the process.
How does hiring a lawyer change the claims process?
Hiring a lawyer can significantly affect how an insurance company handles a case. Mary emphasizes that experienced attorneys know what adjusters look for and how to document claims effectively.
For example, they can prove lost wages, explain how injuries affect daily life, or document the cost of home assistance or yard care. Mary also warns clients to be cautious about social media and potential surveillance. Insurance companies often monitor claimants, so even simple activities—like taking out heavy trash—could be used to question an injury claim.
She adds that her experience allows her to demand critical evidence from insurers, including any surveillance footage they may have collected.
How do attorney fees work in personal injury cases?
Many people hesitate to contact a lawyer because they worry about cost. Mary explains that, under Colorado law, attorneys must offer clients the option of hourly billing. However, most personal injury cases are handled on a contingency fee basis.
That means the lawyer only gets paid a percentage of the settlement or judgment—if the client doesn’t win, they don’t owe attorney fees. While there may be small costs associated with the case, most lawyers will not pursue clients for those expenses if the case is lost.
When is the best time to contact a lawyer after an accident?
Mary advises contacting an attorney as soon as possible after an accident. The fee structure will be the same whether you reach out right away or months later, so there’s no advantage in waiting.
Early communication also helps clients evaluate whether their lawyer is responsive, communicative, and trustworthy. Mary stresses that clients should never be left in the dark about their cases. If a lawyer isn’t returning calls or providing updates, that’s a sign to look elsewhere.
Why should you never hesitate to reach out for legal advice?
Mary’s final message is clear: it costs nothing to call a lawyer after a car accident. Most attorneys will speak with you by phone, review the situation, and offer initial guidance before any formal agreement is made.
Even if a lawyer isn’t officially hired, those early conversations are still protected by attorney-client privilege. That means what you share remains confidential and cannot be used against you later.
Mary encourages everyone to take advantage of that protection—ask questions, get clarity, and find the right attorney to help you move forward after an accident.
Learn More:
To get personalized legal guidance after a car accident in Colorado, visit maryewinglaw.com.