It’s rush-hour and traffic is down to a crawl. You’re a careful driver and you make sure you leave enough space between yourself and the car in front of you. You know how suddenly traffic can stop in these situations.

Unfortunately, the driver behind you is not as careful. The car in front of you suddenly stops and you apply the brakes with lots of room to spare, but the driver behind you slams into your car. In a worst-case scenario, the car behind him slams into his car. It’s a traffic accident nightmare. Worse, the first car hit you hard enough that your head whiplashed.

Now you must deal with a multitude of questions.

Who will pay for the damage to my car? If I have suffered an injury, who’s going to pay my medical bills? If that injury causes me to miss work, who will reimburse me for my lost wages?

You are now entering the twilight zone of the car accident insurance process. While there are many instances where working with a personal injury lawyer is a good idea, dealing with auto accidents may be the time you really do need a good lawyer.