If you and the other driver are insured, and there is only minimal property damage, then you may be able to work it out without hiring attorneys. In such cases, the cost of the damage should be covered under your PIP insurance policy.
But if your accident involved moderate to serious injury and/or extensive property damage, or if the insurance company denied your claim or is “low-balling” you, then we strongly encourage you to at least talk to a qualified attorney. Even if your injury seems minor and “not a big deal,” we urge you to see a doctor and meet with our lawyers to explore your options and ensure that you aren’t getting short-changed by the insurance company or at-fault driver. We can’t tell you how many times we’ve talked to folks who thought they only had a minor injury—like a headache or neck stiffness—only to find out later that the injury was severe and long-term. The longer you wait, the harder it will be to obtain compensation. For instance, if you don’t seek medical attention until more than 14 days after the accident, PIP insurance may not cover the cost of your care.