9 Steps To Take After a Collision
The days following a car accident can be confusing and overwhelming, but knowing how to proceed can help support your case in the long run. Here are several important things to keep in mind:
1. Call Emergency Services
The first step is to call 911 to get help. If anyone is injured, let the dispatcher know so that they can call emergency medical services to the scene.
2. Get Medical Treatment for Your Injuries
If you or any of your passengers have been injured, it is important to have yourself seen by a medical professional. Even if your injuries seem minor now, they could progress over time. This protects your health and safety which are the main priority, and it protects your claim.
3. File a Police Report
While the police are at the scene, be sure to file a police report. The report will document the details, which can help with insurance negotiations. Avoid admitting fault and stick to the facts.
If there are witnesses, get their names and contact information. Their statements may help clarify what happened if there’s a dispute about the accident.
5. Exchange Insurance Information
Exchange insurance and contact details with the other driver(s) involved. Stay calm and avoid discussing fault or apologizing, as this could affect your claim later.
6. Take Photos of Both Vehicles & Any Injuries
Take pictures of both vehicles, any damage, and visible injuries. Photos from different angles provide valuable evidence if there’s a disagreement about the accident.
7. Report the Accident to Your Insurance Company
Report the collision to your insurance company, even if it seems like a minor accident. Delaying this could impact your ability to file a claim.
8. Keep Track of Any Documents Related to the Crash
As time goes on, organize all documents related to the accident, including medical bills, repair estimates, and police reports. Having everything on hand will support your claim if needed.
9. Consult a Local Car Accident Lawyer
Consider consulting a local car accident attorney, especially if injuries or major damages are involved. An attorney can guide you through the legal and insurance processes.
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How To Get the Best Settlement From a Car Accident
Getting the best settlement for your car accident claim requires preparation and persistence.
Here are key strategies to help you maximize compensation:
- Let Your Lawyer Handle Negotiations: Insurance adjusters use tactics to minimize payouts. An experienced attorney knows how to counter these strategies and push for the compensation you may deserve.
- Understand the Full Value of Your Claim: Settlements should account for not just medical bills and car repairs, but also lost wages, future medical treatment, pain and suffering, and long-term impacts on your quality of life.
- Avoid Quick Settlement Offers: Insurance companies often make low initial offers hoping you’ll accept before fully understanding your injuries. Take time to evaluate all damages with your attorney before agreeing to any settlement.
- Consider Future Expenses: If your injuries require ongoing treatment, surgeries, or rehabilitation, ensure those costs are factored into your settlement rather than just immediate expenses.
- Stay Off Social Media: Even innocent posts can be used against you to dispute the severity of your injuries or suggest you’re in better condition than you claim.
Common Mistakes To Avoid After an Accident
Even small missteps after an accident can weaken your claim and reduce your potential settlement.
Here are critical mistakes to avoid:
- Signing Documents Without Legal Advice: Insurance companies may ask you to sign statements or medical release forms that could limit your claim. Have a lawyer review any documents before signing.
- Overlooking Psychological Damages: Compensation isn’t just for physical injuries—if the accident caused emotional distress, anxiety, or PTSD, these should be included in your claim.
- Ignoring Doctor’s Orders or Missing Appointments: Insurance companies may argue that missed treatments indicate your injuries aren’t serious. Follow all medical recommendations and keep records of your care.
- Underestimating the Extent of Your Injuries: Some injuries seem minor at first but worsen over time. If you settle too quickly, you may be stuck covering long-term medical costs on your own.
- Failing To Document How the Accident Affects Your Life: Keeping a journal about your pain levels, mobility issues, and how the accident has impacted daily activities can serve as valuable evidence in your claim.
By being proactive and avoiding these mistakes, you improve your chances of securing a fair settlement that fully covers your losses.