--- title: When Does a Car Wreck Require the Help of a Lawyer? description: Think you can manage your car wreck yourself, without the assistance of a car accident lawyer? You may need to think again. image: http://www.spinalcord.com/hubfs/img/When_Does_a_Car_Wreck_Require_the_Help_of_a_Lawyer.jpg --- [![spinalcord logo desktop](https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png) ![spinalcord logo mobile](https://www.spinalcord.com/hubfs/Logos/spinal-cord-white_png.png) ](https://www.spinalcord.com/) MENU ** ![spinal cord logo slide out mobile](https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png) ** [![Dale Swope](https://www.spinalcord.com/hs-fs/hubfs/dale-img-min.jpg?width=100&name=dale-img-min.jpg) The Purpose Behind Spinalcord.com ** Play Dale Swope's Story ](https://www.youtube.com/watch?v=C1kPXDw_CQU) [For Advice Call: (877) 336-7192 ](tel:8773367192) ![Spinalcord Logo](https://www.spinalcord.com/hubfs/Logos/spinal-cord-logo-icon-svg.svg) - [About](https://www.spinalcord.com/about-us) - [About Us](https://www.spinalcord.com/about-us) - [Our Team](https://www.spinalcord.com/our-team) - [Trusted By](https://www.spinalcord.com/trusted-by) - 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Author: [Zawn Villines](https://www.spinalcord.com/meet-our-authors) Publish Date: April 29, 2016 ![When_Does_a_Car_Wreck_Require_the_Help_of_a_Lawyer.jpg](http://www.spinalcord.com/hs-fs/hubfs/img/When_Does_a_Car_Wreck_Require_the_Help_of_a_Lawyer.jpg?width=711&height=407&name=When_Does_a_Car_Wreck_Require_the_Help_of_a_Lawyer.jpg "When_Does_a_Car_Wreck_Require_the_Help_of_a_Lawyer.jpg") Think you can manage your [car accident](https://www.spinalcord.com/blog/10-startling-car-accident-statistics) yourself, without the assistance of a car accident lawyer? You may need to think again. Insurance works according to a fairly simple principle: the insurer profits by being paid more money in premiums than it pays out in claims. Insurers accomplish this by paying as little as they can to each claimant. Odds are extremely good that your case is more valuable than the insurer indicates. This means that everyone can benefit from [a car accident lawyer](https://www.swoperodante.com/tampa-car-accident-lawyer/), or at least a consultation with one. Many such attorneys take cases on a contingency basis, which mean that **you don't have to pay anything unless you win**. Moreover, even an initial consultation can save you money by giving you a better idea of your claim's value. Still on the fence about hiring a car accident lawyer? Here are some other signs that it's time to seek legal help. ## **The Insurer is Prying Into Your Life** One of the easiest ways for an insurer to avoid paying your claim is to show that you were somehow at fault for the accident. They might request your cell phone records to assess whether you were texting or driving. Worse still, they may demand access to your social media accounts to learn what you've said to others about your claim. This strategy can work even if you're not at fault, since most of us deeply value our privacy. Particularly if the car accident was relatively minor, you might opt not to pursue your claim to avoid handing over private information. Before giving an insurer access to your accounts or responding to discovery requests, call a lawyer. Your lawyer might be able to get the requests thrown out of court. And at the very least, a good car accident lawyer will ensure that the embarrassment of providing personal data is far exceeded by the payout you get. ## **Your Claim Has Been Denied** The insurer is not paid to represent your interests, or to impartially assess the law. Indeed, insurers can deny claims as much as they want, even if doing so is illegal, so long as no one sues them. Even if you believe that your claim is invalid or think the insurer is being reasonable, talk to a lawyer if your claim has been denied. There may be rules you don't know about, and the insurer's denial could even help you negotiate a quick and fair settlement. ## **You've Exceeded the Policy Limits ** No matter how good your case is, if you exceed the insurance policy limits you might be stuck with an insufficient payout. Don't take the insurer's word, though. A lawyer can help you assess whether you've really hit the policy limits. Your attorney might also find that there are other parties whom you can sue, thereby helping you recover as much as you can ## **Your Case is Going to Trial, Mediation, or Another Court Appearance ** It's tempting to represent yourself in mediation or in court. After all, how difficult can it be? Very difficult. Difficult enough that it takes three years of law school, endless bar preparations, and lots of continuing legal education classes to prepare some of the nation's brightest minds to do it. No matter how much time you've spent reading about your case, no matter what legal advice sites or self-help gurus tell you, there is no substitute for the education can experience of a lawyer. Doubt this claim? Consider this: the insurance company would never dream of showing up without a lawyer. Do you really think you can out-maneuver this person? Probably not. Even the playing field by getting a lawyer of your own. ## **You Got Into a Car Accident With an Uninsured Motorist ** If you got into a collision with an uninsured motorist, you might be out of luck. You won't know that until you talk to a car accident attorney. Some policies cover you if you get into a collision with an uninsured motorist, but don't count on the insurer to give you reliable information. Consult with a lawyer, whose sole goal is preserving your rights—not turning a profit for the insurance company. ## **The Insurer is Not Offering Enough to Cover Your Expenses** Insurance is supposed to help you recoup whatever you lost in the accident, including: - Lost wages - Pain and suffering - Medical bills - Property damage, including not only the car but the items in it If you're still struggling to recover from your accident and don't have enough money, it's a sure sign you need a lawyer. Don't forget that some expenses associated with a car accident are indirect. If you have to travel to a rehabilitation hospital and must stay in a hotel, your travel expenses—including mileage—should be covered in your settlement. The insurer may have undervalued your claim. You'll only know for sure when a car accident attorney takes a look at your case. ## **The Insurer is Not Returning Your Calls** In most cases, you have two years to bring a claim after a car wreck. If you delayed a while, the insurer might be trying to wait you out. Can't get a return phone call? You need a lawyer right away. Even if the car accident just happened and you're not concerned about a statute of limitations, unreturned phone calls are still a bad sign. After all, no one wants to spend months litigating the minutiae of a car accident. When you hire a lawyer, you tell the insurer that you're serious about recovering your losses. Sometimes all it takes is a single phone call to get the ball rolling. ## **You Have a Sneaking Sense You're Being Manipulated ** **Trust your gut. You don't have to be a legal savant to know you're being manipulated. If you can't shake the feeling that the settlement offer is unfair, even if you can't point to a specific issue, contact a lawyer. You might be picking up on subtle red flags that the insurer is taking advantage of you. And because there's no cost to you, there's absolutely no reason not to at least pursue a consultation.** **[![New Call-to-action](https://no-cache.hubspot.com/cta/default/575040/c7a11486-bb75-4a75-90a7-a2ab3a051e6e.png)](https://cta-redirect.hubspot.com/cta/redirect/575040/c7a11486-bb75-4a75-90a7-a2ab3a051e6e) ** **Topics:** Legal ### Stay Updated on Advancements On Traumatic Brain & Spinal Cord Injuries About the Author #### Zawn Villines Zawn Villines is a writer specializing in health and legal journalism. Raised by a lawyer and lobbyist who advocated for spinal cord injury survivors, she is a lifelong advocate for spinal injury victims and their loved ones. You can connect with Zawn on Google+ below. [Learn More About the Author](https://www.spinalcord.com/meet-our-authors) **Leave a Comment** [![New Call-to-action](https://no-cache.hubspot.com/cta/default/575040/dc8bc979-ba55-463a-9400-f92cbdebcb1a.png)](https://cta-redirect.hubspot.com/cta/redirect/575040/dc8bc979-ba55-463a-9400-f92cbdebcb1a) true ### Spinal Cord Injury - [Types of Spinal Cord Injuries](https://www.spinalcord.com/types-of-spinal-cord-injuries) - [Secondary Complications](https://www.spinalcord.com/secondary-complications-after-sci-spinal-cord-injury) - [Causes](https://www.spinalcord.com/signs-symptoms-of-spinal-cord-injuries) - [Symptoms](https://www.spinalcord.com/types-of-spinal-cord-injuries) - [Prognosis](https://www.spinalcord.com/prognosis-of-spinal-cord-injuries) - [Legal Help](https://www.spinalcord.com/spinal-cord-injury-legal-help-get-a-lawyer) ### Brain Injury - [Types of Brain Injuries](https://www.spinalcord.com/types-of-traumatic-brain-injury) - [Causes](https://www.spinalcord.com/causes-of-traumatic-and-acquired-brain-injuries) - [Symptoms](https://www.spinalcord.com/traumatic-brain-injury-tbi-symptoms) - [Prognosis](https://www.spinalcord.com/brain-injury-prognosis-for-tbi-abi) - [Legal Help](https://www.spinalcord.com/brain-injury-legal-help-get-a-lawyer) ### Finding Treatment - [Physician Directory](https://www.spinalcord.com/brain-and-spinal-cord-injury-physician-directory) - [Rehabilitation Directory](https://www.spinalcord.com/spinal-cord-injury-hospitals-rehabilitation-directory) - [Technology Advancements](https://www.spinalcord.com/sci-technology-advancements) - [Prevention](https://www.spinalcord.com/spinal-cord-injury-prevention) ### Legal Options - [Spinal Cord Injury Lawyer](https://www.spinalcord.com/spinal-cord-injury-lawyer) - [Brain Injury Lawyer](https://www.spinalcord.com/brain-injury-lawyer) - [Types of Personal Injury Claims](https://www.spinalcord.com/types-of-personal-injury-claims) - [Where To Start](https://www.spinalcord.com/brain-spinal-cord-injury-lawyer-where-to-start) - [Local Assistance](https://www.spinalcord.com/florida-personal-injury-claims) #### [About Us](https://www.spinalcord.com/about-us) Spinal cord injuries are traumatic for patients and their families. They cause disruptive changes to every aspect of your life and there is a lot of new information to navigate and understand. Our experts have collected everything in one place to help you learn more about your injury, locate doctors and treatment centers, find financial support, and get assistance navigating your next move. [Learn More About SpinalCord.com →](https://www.spinalcord.com/about-us) ## [Contact Us](https://www.spinalcord.com/contact-us) ![logo-footer-spinal-cord.png](https://www.spinalcord.com/hs-fs/hubfs/img/logo-footer-spinal-cord.png?width=249&name=logo-footer-spinal-cord.png "logo-footer-spinal-cord.png") **  [877-336-7192](tel:8773367192) ** [support@spinalcord.com](mailto:support@spinalcord.com) [**](https://www.facebook.com/spinalcordcom) [**](https://www.linkedin.com/company/spinalcord-com/) [**](https://twitter.com/SpinalCordCom) [**](https://www.youtube.com/channel/UCAbz2AC18acXQkpMNPeDIqg) Copyright 2026 | All Rights Reserved. [Spinal Cord, Inc.](https://www.spinalcord.com) Sponsored by [Tampa personal injury lawyers](https://www.swoperodante.com/tampa-personal-injury-lawyer/) at Swope, Rodante P.A. a Florida law firm located at 1234 E 5th Ave, Tampa, FL 33605. The information provided by SpinalCord.com is not a substitute for professional medical advice, diagnosis, or treatment, see [ Disclaimer Policy.](https://www.spinalcord.com/disclaimer) [**](https://www.spinalcord.com/blog/when-does-a-car-wreck-require-the-help-of-a-lawyer#) [**](https://www.spinalcord.com/blog/when-does-a-car-wreck-require-the-help-of-a-lawyer#) ```json { "@context" : "https://schema.org", "@type" : "WebSite", "name" : "Spinal Cord, Inc.", "potentialAction" : { "@type" : "SearchAction", "query-input" : "required name=search_query", "target" : "https://www.spinalcord.com/search?q={search_query}" }, "url" : "https://www.spinalcord.com/" } ``` ```json { "@context" : "https://schema.org", "@type" : "Organization", "contactPoint" : [ { "@type" : "ContactPoint", "contactType" : "customer service", "telephone" : "+1-877-336-7192" } ], "legalName" : "Spinal Cord, Inc.", "logo" : "https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png", "sameAs" : [ "https://www.facebook.com/spinalcordcom", "https://twitter.com/SpinalCordCom", "https://www.youtube.com/channel/UCAbz2AC18acXQkpMNPeDIqg", "http://www.linkedin.com/company/spinalcord-com" ], "url" : "https://www.spinalcord.com/" } ``` ```json { "@context" : "http://schema.org", "@type" : "Article", "articleBody" : "The spinal cord is a vital part of the human body. As the vehicle responsible for carrying messages from the brain to the rest of the body and back again, even the smallest interference can be detrimental. Following a traumatic spinal cord injury, this bundle of nerves can become bruised, also known as a contusion. Because of the nature of the nervous system, any interference can constitute a serious spinal contusion, but these facts will help you dissect all of the information from the medical professionals.

\n\n

What Is a Spinal Contusion?

\n\"Signs-of-a-spinal-contusion-title-image\"\n

Much like any other bruise, a contusion can cause bleeding from local blood vessels and inflammation which, rather unlike bruises on other parts of the body, can have serious negative impacts on the spinal cord itself. Because the “blood must clot to stop the bleeding”a bruise results from contusions also increase cardiovascular risks.

\n

For example, the swelling a contusion can cause will often disrupt nerve impulses that travel from the brain to the body through the spinal cord, and the severity of this will depend upon the level of injury. Unlike a concussion, a contusion would not cause unconsciousness or a ‘blackout’, but instead cause the patient to feel a numbness or tingling in the extremities.

\n

A contusion can cause spinal compression, which happens when there is pressure on the spinal cord. This can go on to cause an array of physical symptoms such as loss of sensation in the feet, inability to use the hands and loss of sexual ability. It must be noted that not all contusions cause spinal compression, and not all spinal compression is caused by a contusion, although they do often connect this way.

\n

Warning Signs of a Serious Spinal Contusion to Watch For

\n

Firstly, doctors will try and establish what area or limb the injury has affected. Spinal contusions most often “affect the upper extremities bilaterally and also sometimes involve the lower extremities,” according to Dr. Wong, an orthopedic physician.

\n

Symptoms include “numbness, tingling, [or] electric shock-like sensations and burning in the extremities,” (American Association of Neurological Surgeons, 2016). Generally falling into the category of “spinal trauma” there are many symptoms which are similar to other forms of spinal trauma and spinal cord injury. Below are some symptoms of spinal trauma:

\n\n

Unfortunately, it is sometimes challenging to identify which symptoms are due to a spinal contusion, and which ones are the result of a spinal cord injury directly. It can sometimes require a few days or weeks for the body to recover from spinal trauma and reveal if any permanent damage is left from the accident that caused the SCI.

\n

Understanding what a contusion is, and how it can come into play following a spinal cord injury is important in order to clearly appreciate your injury, understand your diagnoses, and work toward treatment and a prognosis. Doctors can sometimes use jargon that’s difficult to understand, so the more you can educate yourself about your condition, the more control you can have in your recovery and treatment.

\n

If you still have questions about the details of the spinal cord and how it may be affected from your injury, please contact us or download our guide to understanding a spinal cord injury.", "author" : { "@type" : "Person", "name" : "Spinalcord.com Team" }, "datePublished" : "2020-12-03", "image" : "https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion", "name" : "Warning Signs of a Serious Spinal Contusion", "url" : "https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion" } ``` ```json { "@context":"https://schema.org", "@graph":[{"@type":"WebSite", "@id":"https://spinalcord.com/#website", "url":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion", "name":"Spinal Cord Inc", "description":"The spinal cord is a vital part of the human body. As the vehicle responsible for carrying messages from the brain to the rest of the body and back again, even the smallest interference can be detrimental. Following a traumatic spinal cord injury, this bundle of nerves can become bruised, also known as a contusion. Because of the nature of the nervous system, any interference can constitute a serious spinal contusion, but these facts will help you dissect all of the information from the medical professionals.", "inLanguage":"en-US"}, { "@type":"ImageObject", "@id":"Spinalcord Logo", "inLanguage":"en-US", "url":"https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png", "width":327,"height":300, "caption":"spinal contusion"}, { "@type":"WebPage","@id":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/#webpage", "url":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion", "name":"Warning Signs of a Serious Spinal Contusion", "isPartOf":{"@id":"https://spinalcord.com/#website"}, "primaryImageOfPage":{"@id":"www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/#primaryimage"}, "datePublished":"2020-12-03T18:30:35+00:00","dateModified":"2020-12-03T18:30:35+00:00", "author":{"@id":"https://www.spinalcord.com/meet-our-authors"}, "description":"The spinal cord is a vital part of the human body. As the vehicle responsible for carrying messages from the brain to the rest of the body and back again, even the smallest interference can be detrimental. Following a traumatic spinal cord injury, this bundle of nerves can become bruised, also known as a contusion. Because of the nature of the nervous system, any interference can constitute a serious spinal contusion, but these facts will help you dissect all of the information from the medical professionals. What Is a Spinal Contusion? Signs-of-a-spinal-contusion-title-image Much like any other bruise, a contusion can cause bleeding from local blood vessels and inflammation which, rather unlike bruises on other parts of the body, can have serious negative impacts on the spinal cord itself. Because the “blood must clot to stop the bleeding”a bruise results from contusions also increase cardiovascular risks. For example, the swelling a contusion can cause will often disrupt nerve impulses that travel from the brain to the body through the spinal cord, and the severity of this will depend upon the level of injury. Unlike a concussion, a contusion would not cause unconsciousness or a ‘blackout’, but instead cause the patient to feel a numbness or tingling in the extremities. A contusion can cause spinal compression, which happens when there is pressure on the spinal cord. This can go on to cause an array of physical symptoms such as loss of sensation in the feet, inability to use the hands and loss of sexual ability. It must be noted that not all contusions cause spinal compression, and not all spinal compression is caused by a contusion, although they do often connect this way. Warning Signs of a Serious Spinal Contusion to Watch For Firstly, doctors will try and establish what area or limb the injury has affected. Spinal contusions most often “affect the upper extremities bilaterally and also sometimes involve the lower extremities,” according to Dr. Wong, an orthopedic physician. Symptoms include “numbness, tingling, [or] electric shock-like sensations and burning in the extremities,” (American Association of Neurological Surgeons, 2016). Generally falling into the category of “spinal trauma” there are many symptoms which are similar to other forms of spinal trauma and spinal cord injury. Below are some symptoms of spinal trauma: Spinal shock — or the loss of feeling or movement below site of injury (Columbia University Medical Centre, 2016) that can last between hours and weeks Loss of bladder or bowel function Difficulty breathing Muscle spasticity Difficulty understanding speech Problems with attention Memory challenges Heart rate and blood pressure problems Unfortunately, it is sometimes challenging to identify which symptoms are due to a spinal contusion, and which ones are the result of a spinal cord injury directly. It can sometimes require a few days or weeks for the body to recover from spinal trauma and reveal if any permanent damage is left from the accident that caused the SCI. Understanding what a contusion is, and how it can come into play following a spinal cord injury is important in order to clearly appreciate your injury, understand your diagnoses, and work toward treatment and a prognosis. Doctors can sometimes use jargon that’s difficult to understand, so the more you can educate yourself about your condition, the more control you can have in your recovery and treatment. If you still have questions about the details of the spinal cord and how it may be affected from your injury, please contact us or download our guide to understanding a spinal cord injury.", "breadcrumb":{"@id":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/#breadcrumb"}, "inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion"]}]}, { "@type":"BreadcrumbList", "@id":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/#breadcrumb", "itemListElement":[{"@type":"ListItem", "position":1, "item": { "@type":"WebPage", "@id":"https://spinalcord.com/", "url":"https://spinalcord.com/", "name":"Home"}}, {"@type":"ListItem", "position":2, "item":{"@type":"WebPage", "@id":"https://spinalcord.com/blog/", "url":"https://spinalcord.com/blog/", "name":"Articles"}}, {"@type":"ListItem", "position":3, "item":{"@type":"WebPage", "@id":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/", "url":"https://www.spinalcord.com/blog/signs-of-a-serious-spinal-contusion/", "name":"Warning Signs of a Serious Spinal Contusion"}}]}, {"@type":"Person", "@id":"https://www.spinalcord.com/meet-our-authors", "name":"Spinalcord Team", "image":{"@type":"ImageObject", "@id":"https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png", "inLanguage":"en-US", "url":"https://www.spinalcord.com/hubfs/Logos/spinal-cord_png.png", "caption":"Spinalcord Team"}, "description":"The authors at SpinalCord.com come from diverse backgrounds including doctors, attorneys, medical journalist, and survivors of spinal cord injuries or traumatic brain injuries. Each author brings with them different experiences and expertise which when combined provide clinically accurate information which is useful to all individuals in the spinal cord and traumatic brain injury communities. Within the content you will find citations to medical journals, scientific research, as well as national and local resources to provide immediate support to families in need of assistance. Content is reviewed and updated regularly with changes in the clinical guidelines, new resources, and fresh ways to understand the content such as videos and infographics. ." } ]} ```