After a auto accident, some people have no idea of what they should or should not do. These are a list of the most common issues arising after auto accidents.
Call the police
Make sure to call the police. You need a record of the accident and the police will write up an accident report. The accident report will list the insurance companies of the parties involved as well as how the accident took place and who was at-fault. If you are injured make sure the police are aware so they can write it in the accident report.
However, if the you were injured on someone else’s property, such as an apartment complex or a grocery store. Make sure that management knows. And, a report is made documenting that you were injured on said property. Contact the landlord, property manager, police, or owner of the property.
Report the accident to your own insurance company
Many people believe this will cause their rates to go up. This is not true if the accident was not your fault. You need to call your insurance company in case you med pay or in case the other party has no insurance. If you have UM, the claim will be filed with your insurance company, calling them now instead of three months from now is much better for everyone including you.
Seek medical care if you have been injured immediately
Seeking medical care after you have been injured is critical to a personal injury case. If you are injured and need immediate assistance go to the ER. After the ER visit its important to receive follow up care if you are still in pain. You may not feel pain right after the accident, but in the days following the car wreck. If you feel any new symptoms of pain or discomfort you need to go to a doctor who treats auto accidents to get checked out immediately
Consult a personal injury attorney
A consult does not mean hire an attorney. It merely means speaking with a personal injury attorney to know what your rights are and to understand what may or may not happen when you are dealing with the insurance company. If you have been injured make sure to speak with a reputable personal injury attorney. Many personal injury attorneys offer free consultations and it does not cost you anything to speak with them to see what they can do for you
Understand what type of insurance you carry
Many people have no idea what type of coverage they have on their car. Make sure you know what coverage you have on your car at the time of the auto accident. If you don’t have medical payments or med pay, make sure you check with your agent to see how it can help. All you medical expenses would be covered in the event you are injured in auto accident, no matter who is at fault if you have med pay.
Med Pay is not an expensive option and pays for itself with one time of using it. It also helps you reduce your medical expenses in the event you have a personal injury claim. Uninsured motorist is another option many people leave off their insurance. Um may cover things you never thought it would cover. It will cover if you were hit and the other driver has no insurance, it may also cover you if the person hit you and left the scene of the accident. Insurance is protection and you can never have too much. Do protect yourself with med pay and UM or uninsured motorist.
Statements or Facts about the accident
Tell the police what happened in the car wreck, but steer clear of telling anyone else what happened. Do not post your accident on all your social media, that’s the last thing you want to do. Do not give statements to the at fault insurance company until you have spoken with a personal injury lawyer
Getting solicited by attorney or doctor representatives
In some states it is illegal for anyone to contact regarding your accident. Accident victims can be solicited by representatives of attorneys , or doctors. Do not speak to these aggressive illegal runners. These individuals are paid money for every personal injury case they bring to a doctor or lawyer.
They are very savvy at getting accident information. They pay for your name and number from a variety of sources. These could be the tow truck driver, police, ER staff, records clerk, etc. In most states it is illegal to solicit these services.
Do not speak with the at fault insurance company or give a statement
Giving a statement to the at fault party’s insurance company could be detrimental to your personal injury case. Make sure to seek a personal injury attorneys advice before speaking with the insurance company. Do not talk to the medical adjuster without consulting an attorney.
Do not sign any checks or deposit them into your account until you have consulted a personal injury attorney. Insurance companies may try to give you money in the form of a check for lost wages, pain a and suffering, etc. Do not take it unless you have spoken with an attorney. You may settle your personal injury case and not even know it. Insurance companies have been known to offer very quick settlements for injured parties before they even visit a doctor to see what the extent of their injuries are. Don’t fall for this
Waiting to see a doctor
Don’t wait to see a doctor after you have been injured. Waiting may give assumption that you are not hurt. In some states if you wait too long, the insurance company will not pay for your medical expenses. States that have personal injury protection have stipulations that go with it. Florida for instance puts a 14 day limit on medical care, you have to see a doctor within 14 days of the auto accident, if you don’t, you may have to pay for all your medical care.
Missed Doctor’s Appointments, Doctors advice
Do not miss any doctor’s appointments or disregard the doctor’s advice. This will show the attorney, doctor, and insurance company that you may not be injured and you are not taking your recovery very serious.
Do not procrastinate if you are injured. If you are waiting around after taken pain medication and muscle relaxers to see if you will get better you are doing yourself a disservice. Painkillers and muscle relaxers work and they work well, but they only help you function while you are in pain, they do not fix the pain. Don’t wait to see a doctor if you are injured. If you are hurt, make your injury a priority. You don’t want non treatment of a current injury to come back and hurt you years down the road.
Do not trust the insurance adjuster. Sure they will act like they are your best friend, this is to get information from you. Insurance adjusters work for the insurance company, they are skeptical of anything you may tell them. Like a good neighbor, I think not. There job is to save the company money, and they don’t do that by giving it to you. Many injured victims have waited just because the adjuster said they were going to take care of everything, only to find out later it was not true. Don’t trust the adjuster, they are not your friend
Swapping insurance information, then leaving the scene
Don’t do this!!! You have absolutely no protection if you do this, you are at the mercy of the insurance company and the policyholder. A lot of personal injury attorneys have a saying, if you don’t have a police report it never happened. I’m sure the insurance company has this same moto. It’s perfectly fine to get the at fault party’s insurance information while you are waiting for the police to come.
Never leave the scene of an accident until the police tell you to. Many people have become victims of this swapping insurance info. If the other party does not admit they were completely at fault for the accident to their own insurance company, you may find yourself filing a claim with your own insurance company if you have the proper coverage. People may say they will pay you for the damage, only later to recant. Call the police.
If you have been injured in an accident, consult a doctor if you are injured as well as a personal injury attorney so you can know your legal rights and make sure you protect yourself and your family. We have doctors listed around the country on our website that treat auto related injuries. If you need a doctor, please use our search function find one, if we dont have one in your area, contact us and we will try and find you one.