You’ve been injured in an accident. Maybe the other driver was clearly at fault. Their insurance company has already called, and they’re saying all the right things—they’ll “take care of it,” they want to help you move forward, they’re ready to make things right. So do you really need an attorney?

The short answer: yes, you probably do. Here’s why hiring a personal injury attorney like The Lowman Law Firm can make a significant difference in your case—and why going it alone often puts you at a serious disadvantage.

1. You’ll Be on a Level Playing Field with the Insurance Company

Here’s something many accident victims don’t fully appreciate: the other party’s insurance company has an entire team working against your claim. They have:

  • Trained claims adjusters whose job is to minimize payouts
  • In-house attorneys and legal teams
  • Investigators who look for reasons to deny or reduce claims
  • Years of experience handling claims just like yours

When you try to handle your claim alone, you’re facing this team with no training, no legal knowledge, and no understanding of their tactics. It’s not a fair fight.

By hiring The Lowman Law Firm, you have someone on your side who understands the rules, the laws, and the “tricks of the trade.” Our attorneys know what the insurance company is trying to do—and we know how to counter their strategies.

2. The Insurance Company Is Not on Your Side

This is the most important thing to understand: the insurance company is not your friend. No matter how friendly the adjuster sounds on the phone, their primary goal is to pay you as little as possible.

Insurance companies are businesses. They make money by collecting premiums and minimizing claim payouts. Every dollar they pay you is a dollar off their bottom line. This means they will:

  • Try to gather information to use against you
  • Look for reasons to deny or reduce your claim
  • Question whether your injuries are related to the accident
  • Downplay the severity of your injuries
  • Pressure you to settle quickly before you understand your rights

The insurance company will always look out for their own best interest first—not yours. The Lowman Law Firm ensures someone is looking out for your interests.

3. Insurance Companies Push for Quick Settlements

One of the most common tactics insurance companies use is offering a quick settlement shortly after an accident. They might offer you $2,000, $5,000, or even $25,000—and it might seem like a reasonable amount when you’re dealing with medical bills and missed work.

But here’s the catch: to accept that settlement, you have to sign a release. This is a legal document that permanently prevents you from receiving any additional compensation in your case—ever.

Insurance companies make these offers before you have legal representation and before you know the full value of your case. They know that:

  • Your injuries may be more serious than they initially appear
  • You may need ongoing medical treatment
  • Your lost wages may continue to mount
  • The true value of your claim is likely much higher than their offer

We’ve seen cases where people accepted quick settlements only to discover the at-fault driver had far more coverage available. Once that release is signed, there’s nothing anyone can do.

At The Lowman Law Firm, we will never let you sign away your rights before understanding the full value of your claim.

4. To Ensure You’re Protected and Receive Everything You’re Entitled To

Personal injury cases involve many moving parts. There are medical records to gather, insurance policies to review, deadlines to meet, and legal procedures to follow. Missing any of these can damage your case.

The Lowman Law Firm specializes in personal injury, and we make sure that every element of your recovery is addressed. This includes:

  • Securing evidence—preserving photos, witness statements, medical records, and other documentation before it’s lost
  • Investigating insurance coverage—determining the full extent of available coverage, including policies you may not know about
  • Calculating damages—ensuring all your damages are accounted for, including future medical expenses, lost earning capacity, and pain and suffering
  • Meeting deadlines—Florida has strict deadlines, including the 14-day rule for PIP benefits and the two-year statute of limitations
  • Navigating legal procedures—handling paperwork, negotiations, and court filings correctly
  • Avoiding pitfalls—steering you away from common mistakes that can hurt your case

Without The Lowman Law Firm on your side, it’s easy to miss something important—and that oversight could cost you significant compensation.

5. The Process Is Not as Simple as You Might Think

Many people assume that because the accident wasn’t their fault, the process will be straightforward. The other driver was clearly wrong. The insurance company said they’d take care of it. How complicated could it be?

Unfortunately, it’s rarely that simple.

Even in seemingly clear-cut cases, insurance companies routinely:

  • Question the relationship between your injuries and the crash—arguing that your injuries were pre-existing or caused by something else
  • Dispute the severity of your injuries—claiming you don’t need the treatment your doctors recommend
  • Delay the process—dragging out negotiations hoping you’ll accept less out of frustration
  • Shift blame to you—arguing you were partially at fault to reduce what they owe
  • Make lowball offers—offering far less than your case is worth

The Lowman Law Firm understands the system and can guide you through these challenges. We’ve seen these tactics before and know how to respond effectively.

6. What to Do If Your Claim Is Denied

If an insurance company denies your claim, you should always seek legal representation. A denial doesn’t necessarily mean your case has no value—it often means the insurance company is hoping you’ll give up.

The Lowman Law Firm can:

  • Investigate why the claim was denied
  • Gather additional evidence to support your case
  • Challenge the denial through proper legal channels
  • File a lawsuit if necessary to pursue the compensation you deserve

Many people accept a denial as final when it’s actually just the insurance company’s first attempt to avoid paying. Our attorneys know when a denial can be overturned—and we’ll fight to make it happen.

7. Choose a Firm Dedicated to Personal Injury

If you decide to hire an attorney, choose a law firm that is dedicated to handling only personal injury cases.

Why does this matter? Personal injury law is complex and constantly evolving. Florida has specific rules about:

At The Lowman Law Firm, personal injury is all we do. We handle these cases every day, and we understand these nuances inside and out. We know the local courts, the insurance companies, and the tactics that work. A general practice attorney who handles personal injury cases occasionally simply doesn’t have this depth of knowledge.

What Does It Cost to Hire The Lowman Law Firm?

One reason people hesitate to hire an attorney is concern about cost. Here’s the good news: The Lowman Law Firm works on a contingency fee basis.

This means:

  • You pay nothing upfront
  • You pay nothing out of pocket during your case
  • Our fee comes from the settlement or verdict—only if we win
  • If we don’t recover compensation for you, you don’t pay us attorney fees

This arrangement ensures that everyone has access to quality legal representation, regardless of their financial situation. It also means we’re motivated to get you the best possible result—because our fee depends on it.

When Should You Contact The Lowman Law Firm?

The sooner, the better. Ideally, you should contact us:

  • Before you give a recorded statement to the insurance company
  • Before you accept any settlement offer
  • Before you sign any documents from the insurance company
  • As soon as possible after your accident to preserve evidence

Early involvement allows The Lowman Law Firm to guide you from the start, helping you avoid mistakes that could hurt your case later.

Why Choose The Lowman Law Firm?

When evaluating personal injury attorneys, you want a firm that:

  • Focuses exclusively on personal injury—it’s all we do
  • Has extensive experience—we’ve handled thousands of cases like yours
  • Treats you like a neighbor, not a number—you’ll work directly with attorneys who know your name and your case
  • Communicates clearly—we keep you informed every step of the way
  • Gets results—we fight aggressively to maximize your recovery

At The Lowman Law Firm, we take the time to answer your questions and explain the process. We want you to feel comfortable and confident that you’re in good hands.

Should you get a personal injury attorney?

Should you get a personal injury attorney? In most cases, yes. The insurance company has a team of professionals working to minimize what they pay you. You deserve someone fighting just as hard on your side.

The Lowman Law Firm levels the playing field, protects your rights, and helps ensure you receive everything you’re entitled to. And with our contingency fee arrangement, there’s no financial risk to finding out what your case is worth.

We’re Here to Help

At The Lowman Law Firm, personal injury is all we do. We’ve dedicated our practice to helping accident victims throughout Florida navigate the complex claims process and fight for the compensation they deserve.

If you’ve been injured in an accident, we’re here to answer your questions and help you understand your options. Our consultations are free, and we work on a contingency fee basis—you pay nothing unless we recover compensation for you.

With offices across the region, we’re never far away:

Contact us today for a free consultation. You’re our neighbor, not a number—and we’re here to fight for you.

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