You have been hurt in a car accident, and the other person’s insurance company is on the phone- what do you need to know?
What do You Need to Know After A Car Accident?
The adjuster is not on your side!
First, you need to understand that the insurance adjuster is on the other side and wants to pay you as little as possible. Do not trust that the adjuster has your interests at heart-they don’t.
Don’t Give a Recorded Interview
Second, what you say truly can hurt you. It is important to be truthful, with the insurance adjuster and it is best to talk with a car injury claims attorney prior to giving any recorded statement. Many adjusters will tell the victim they can not adjust the claim without a statement- generally, this is not true, especially when liability can be established by witnesses.
Get Needed Medical Care!
Third, follow up with your doctors and heed their treatment advice. Large lapses in treatment or failure to get treatment will result in the insurance company discounting your claim.
Document the Wreck
Forth, get photographs of the automobile accident site, the damaged part of your car, the other person’s car, and any visible injuries.
Keep all Paperwork
Fifth, keep all paperwork, witness names and numbers, the officer’s name and case number, and of course the insurance information of the other driver.
Review Your Auto Policy
Sixth, realize that your own auto insurance policy may provide benefits to you independent of the at fault drivers insurance in car accident injury claim. This includes Med Pay or PIP to help with your medical bills etc.; You pay for it- if you have it, use it.
Discharged from ER Does not Mean Stop Medical Care
Seventh, just because, you were released from the emergency room does not mean you are going to be fine. Emergency rooms are designed for emergencies, not ongoing treatment and x-rays do not show some common serious spinal cord injury like herniated discs only a Ct scan or MRI will disclose a bulge or herniated disc. If you still are having issues go to a doctor of your choosing.
Never Explore Settlement Before You have Fully Recovered
Eighth, never ever contemplate settling your auto accident injury claim until you have been released from your doctor and feel fine, or you have a good handle on what the future will be medical.
You are Only a Claim Number to the Adjuster
Ninth, unless your case is one where the insurance company has big exposure-(a drunk driver hits you, you had to have surgery from the accident and have big bills, you were hit by an 18 wheeler that was at fault in a major wreck) your file will be just another claim among thousands in the computer to the adjuster. Adjusters have hundreds of open files, call them do not wait for a return call if you want action.
Ger a Free Consultation From an Experienced Lawyer
Tenth, if you have been seriously injured, speak with or get help from one of the best car accident injury lawyers in your area.