In the event of a car or motorcycle accident, all the victims of the accident are entitled to compensation that must be the responsibility of the insurance company responsible for the incident. Something that depends on the severity and extent of the injuries.
On certain occasions, the parties can reach an amicable agreement without the need to go to court. However, this is not always possible and sometimes companies force this scenario to clarify responsibilities.
The legal defense of clients in this case is one of the basic coverages in insurance. A crucial aspect to which you must pay special attention when taking out your policy, because thanks to this coverage you will be able to opt for the “free choice of a lawyer” based on article 76.d Law 50/1980, of October 8, on Contracts for Sure:
“The insured will have the right to freely choose the Solicitor and Lawyer who will represent and defend him in any kind of procedure.”
For obvious reasons, it is not something that interests insurance companies, since it makes it difficult for them to control the judicial process. However, more and more accident victims are turning to this method of legal representation because companies apply agreements in processes that do not exactly play in favor of the injured parties and their rights.
Video: how to fill out an accident report
Obligation to bear the costs?
Beyond these nuances, does our insurance company have an obligation to pay the bill for the lawyer we hire for the judicial process?
It all depends on the policies and the legal defense options they include. You must compare the different coverages and exclusions well to contract the most convenient modality and that can cover all your needs in the event of an accident.
There are also significant differences in the amounts designated for the expenses of lawyers and solicitors, with figures ranging between 300 and 3,000 euros.
The insurers establish an economic limit that will depend on each policy and they will return the fees paid to the lawyer up to said limit, while the difference will be your responsibility.
According to Tráfico Ayuda, if despite fulfilling all the conditions stipulated in the policy, the company refuses to pay the established fees to the client after a judicial process with the hired lawyer, the contractual responsibility acquired by the company would be evading.
What economic amount corresponds to you?
The amount may be formally claimed and, even in this case, the company still does not pay the required amount, it would be necessary to resort to legal channels by filing a lawsuit for breach of contract.
It is understood that when suffering an event as traumatic as a traffic accident, those affected need to trust their lawyers and lawyers. Those that you consider better prepared, because the amount you receive as compensation for the event will depend largely on their quality and performance.
In fact, the proliferation of specialized law firms in incidents related to vehicles and traffic is not surprising.
In addition, these lawyers and lawyers will be the ones to contact the insurance company with the aim of gathering all the information possible and, based on their knowledge, recommend to the clients which is the most coherent course of action.
Finally, it must not be forgotten either that, even if you are responsible for an accident, the occupants of the vehicle are also entitled to compensation.
Source: Traffic Help