The average American will be in 3 to 4 vehicle collisions during his or her lifetime. Fatal crashes account for more than 38,000 deaths each year in the US alone.
This means it’s critical for people to be fully aware of their rights and options if they find themselves having to deal with the repercussions of a car crash. Keep each of the following in mind.
1. Do Not Admit Fault
Despite who may appear to be at fault for the incident, there could be mitigating factors. If you were to admit fault at the scene of the collision, anything you said could be used against you when an insurance claim gets filed, or if the event leads to court proceedings.
Instead, it’s wisest to follow the local state laws and simply exchange insurance information and cooperate with police officers on scene. The law enforcement officials will investigate the accident and determine the root cause. This is especially crucial should any conflict arise.
2. File a Report
If an accident incurs damages that exceed $500, you must report the event to the local police department. The accident report will serve as essential documentation for any disputes that may arise as a result.
Such disputes are necessary to determine how to deal properly with any claims made on your insurance. In addition to filing an accident report with the police, it’s vital that you also file a claim with your insurance.
The sooner you are able to file the claim and get to work with your agent, the more quickly the issue should be resolved. You must understand that the claim filed with the police department can also assist your insurance carrier to handle the situation properly, especially if the other party or parties chose to behave underhandedly and attempt(s) to dismiss your claims. Proper reporting provides cover and protection.
3. Keep Documentation
As soon as the crash occurs, it is essential to keep all potential documentation. From the accident report with the police to the claim filed with insurance, every bit of paperwork is vital.
When you’re involved in a vehicular accident, you should seek medical advice and attention as soon as possible. Keep a record of whatever your doctor advises, any tests or treatments he or she performs, and obtain follow-up care as needed.
Sometimes accidents result in minor injuries whose extent and seriousness may not be fully identified unless you sought immediate attention. Armed with documentation of this, you are more likely to receive proper compensation for any and all harm to your vehicle and self.
Other documentation you should keep on file include the receipts and bills connected with any repairs made to your car.
4. Get Legal Advice
Certain situations that follow an accident might require the assistance of a car accident lawyer. In order to find the appropriate attorney, you may often consult with one for free, in order to determine whether you wish to retain that professional’s services.
In addition, you should bring all the documentation you have collected with regard to the accident. These materials will give your prospective attorney a better picture of what they might be dealing with, and enable them to provide the right advice before proceeding.
When you engage the services of a lawyer, it is also worthwhile to ask for the service contract. This contract will help you better understand your legal obligations as well as those of your lawyer(s), and what percentage your legal counsel will take from any settlement that might be reached.
When you meet with an attorney, it is essential to discuss any fees and expenses that could arise from working with them.
Conclusion
Car collisions can be frightening, even overwhelming, to have to address. Working hand in hand with the professionals–from police officers, insurance agents, and mechanics to doctors and lawyers–you can have greater confidence in your ability to recover: physically, financially, and otherwise.
