An odd sort of quandary can develop when a person has a title loan on a vehicle. If this car or truck is in a collision caused by another driver and is declared a total loss by the insurance company, the owner will wonder whether that loan is still valid. In some states, the vehicle owner is still responsible for the amount owed on the title loan. In Pennsylvania, auto title loans are actually illegal, although some lending companies have still managed to issue these loans to consumers. If this individual hires a car accident attorney for assistance in obtaining a reasonable financial settlement from the insurer, that lawyer can also send a cease and desist letter to the title loan company. Since these loans are against the law in this state, the lender cannot legally continue to collect on the loan or make attempts to do so. Borrowers can send this type of letter on their own, but they are likely to get better results when having a legal professional representing them.
Beyond this aspect of aggravation in the person’s life, he or she can rely on the car accident attorney to acquire a better settlement than the insurance company has offered. That will be the main focus of the lawyer if the individual was injured in the accident and the insurer’s proposed settlement is not enough to compensate for the loss of the vehicle, lack of income because of the injury, medical bills and related expenses. For example, if the client has to use a taxi to go to doctor’s appointments or physical therapy, the settlement should cover those expenses.
The best strategy is to wait for a settlement until the person has fully recovered, or has recovered to the extent the doctor expects. Otherwise, there is no way to know for sure how much money will be needed to pay for all those expenses. A law firm such as Business Name provides legal counsel for clients dealing with these situations and only receives attorney fees after the settlement or court award has been paid. The delayed fee arrangement is advantageous when someone has bills piling up and cannot yet return to work. You can also connect them on Facebook for more updates.