Car accidents may be physically and mentally traumatizing, throwing the people involved for a loop. It does not matter how long one has been driving or how old they are, a vehicle accident can cause tons of anxiety. In the wake of a car accident, it is essential to understand what you must do (and what you should not do), so you make sure your car insurance claim is not jeopardized.
Some of the essential things you must do after a car accident are to inform the insurance company about it, obtain medical treatment, and report the incident to the police. Listed below are a few essential things that you should avoid doing at the time of a car accident:
- Do Not Admit Liability
It is essential never to admit liability of any kind. When you talk to police or an insurance adjuster, stick with the facts without inserting opinions. It is not the parties’ responsibility to see fault.
To be safe, do not say you are sorry for anything; that statement may be taken out of context as an admission of responsibility. Although your instinct may be to be polite and compassionate to others involved in your car accident, saying “I’m sorry” may complicate things even if the other driver is found guilty. Apologetic words or behavior imply that you are assuming fault when you have done nothing wrong in the accident and were not at fault.
- Do Not Fail to Get Medical Help
You may think that your injuries are not significant. However, they could be a lot more dangerous than you realize. It is essential to get prompt analysis, diagnosis, and treatment from a medical doctor as soon as possible after your accident.
- Never Accept Less Than You Deserve
Never accept a check as a full and final settlement unless it is fair compensation that may cover all the losses you incurred in the accident. Be cautious regarding signing something without having your Car Accident attorney review it first.
- Do Not Delay Filing An Insurance Claim
When dealing with insurance firms, it is important to be timely with all paperwork. Insurance companies require that the claim is filed within a specified deadline.
- Do Not Believe Everything You Are Told
Do not take everything the insurance adjuster says as the last word. Insurance firms typically attempt to low-ball any settlement. Question your adjuster closely. Car accident victims ought to establish how the numbers were arrived at and do some analysis of their own.
- Never Give A Recorded Statement to The Insurance Company
Insurance adjusters could attempt to get you to mention something that may hurt your probabilities of getting the highest compensation.
- Do Not Neglect The Follow-ups
After a car accident, you may have to get in touch with your insurance companies and even take calls from the insurance company of the third party. You may also have to deal with legal proceedings. Get help from an experienced attorney, especially if the accident involved injuries. They can assist you in managing the aftermath of the accident. Also, have your lawyer speak to the insurance companies of the third party, so as not to jeopardize your claim.
- Do Not Neglect To Take Photographs
Take photos of the accident scene, even if it is one or two days later, ideally around the same time of day. Take pictures of your injuries and also the damage to your car.
- Do Not File A Court Case Yourself
It is essential to seek help from an experienced lawyer before you approach the car accident claims court for a claim settlement. Your insurance companies may additionally represent you in court for traffic citations.
- Do Not Worry Regarding the Increase In Car Insurance Premiums
Do not worry about the long-run increase in your car insurance premiums. Most insurance firms hike the premium if the insured car’s driver caused the crash. So, do not worry regarding how the accident influences your insurance and proceed as per the guidelines above.
Last, but not least, do not settle for any direct payment offers from the other party. The immediate payment might not be nearly as good a deal as it appears. Also, before getting your vehicle repaired make sure that your insurance company has done a survey and assessed the damages.