If you’ve been involved in a car accident, you might be wondering whether to hire a lawyer or a claims management company (CMC) to handle your compensation claim. Both options can help you navigate the claims process, but they serve different roles and may be better suited to different situations.
Let’s break down the differences between a lawyer and a claims management company, helping you decide which is the right choice for your case.
What Does a Claims Management Company Do?
A claims management company specialises in handling compensation claims on your behalf, particularly for personal injuries and financial losses after an accident.
They will assess whether you have a valid claim, gather evidence such as witness statements and medical reports, communicate with insurance companies to negotiate compensation, and arrange medical assessments or rehabilitation if needed. They’re going to assist you with the process and answer any of your questions. For example, they can help you understand insurance responsibilities after an accident.
Most claims management companies operate on a no win, no fee basis, meaning you only pay if you win your claim.
When to Choose a CMC:
- If your case is straightforward, such as minor injuries with clear liability
- If you want to avoid the hassle of dealing with insurers yourself
- If you prefer a quick, streamlined process without legal complexities
However, CMCs cannot take cases to court. If your claim is disputed or more complex, they may refer you to a lawyer.
What Does a Lawyer Do?
A lawyer provides legal representation and is particularly useful if your case is complex or if the insurance company refuses to pay fair compensation.
Lawyers can provide legal advice, handle disputes, represent you in court if necessary, and deal with more complex claims such as those involving severe injuries or liability disagreements.
Unlike CMCs, lawyers are legally qualified and can argue your case in court if an insurance company refuses to settle. While their fees are typically higher, they may also secure a higher compensation payout, especially in cases where a dispute arises.
When to Choose a Lawyer:
- If your injuries are serious or long-term
- If the other party disputes liability
- If your case may need to go to court
- If you are unsatisfied with an initial settlement offer from insurers
Key Differences Between a CMC and a Lawyer
A claims management company is often the better choice for straightforward cases, as they handle the paperwork and negotiations on your behalf. Their no win, no fee structure makes them accessible to most people. However, they cannot provide legal representation in court.
A lawyer is the better choice for complex cases, disputed claims, or situations where you need expert legal advice. While legal fees may be higher, a lawyer has the authority and expertise to take your case further if necessary.
Getting Help with Your Claim from Professionals – Here Is When You Should
The Process is Confusing
Have you started to look into the claims process and realise that you’re out of your depth? What you don’t want to do is lose the opportunity to get compensation from an accident that wasn’t your fault. Therefore, if you find yourself in a position where you’re confused about the claims process, hire experts who understand how it works. This will make your life easier and remove a lot of stress.
You Have No Time
The claims process is time-consuming and you’re going to have a lot of elements you need to deal with. Unfortunately, the process can also drag on over several months. If you find that you don’t have enough time to dedicate to this claim, you’re recommended to hire experts to take over. They can ensure that your claim runs smoothly and as efficiently as possible. Meanwhile, you can get on with your normal routine
The Case is Complicated
Were you in a car accident that you know wasn’t your fault but you need help to prove it? This is when professionals come in. They understand the industry and have experience with cases before yours. Therefore, they’ll know the best ways to prove that you weren’t at fault and make sure you get the best compensation possible.
You Need to Recover
Have you sustained injuries from the car accident? You need to make sure that you’re recovering from your injuries first. Yes, a claim is important, but you want to get back to full health. The best way to juggle both of these elements is to hire professionals. They can take care of your claim so that you can fully focus on recovery.
Final Thoughts: Get the Right Help for Your Claim
Whether you choose a claims management company or a lawyer depends on the complexity of your case and how much support you need. For straightforward claims, a CMC can speed up the process, while for more serious or disputed cases, a lawyer may be your best option.
Make sure to choose a regulated firm. Claims management companies should be registered with the Financial Conduct Authority (FCA), while lawyers should be regulated by the Solicitors Regulation Authority (SRA).