Insurance After Impact
What to Say, Do, and Avoid After an Accident
Nobody leaves their home intending to get into a car accident, but thousands of collisions still happen every day. They happen when people drive to work, pick up the kids from school, travel across the country on vacation, and in almost any other driving situation you can imagine. Statistics show that most Americans experience 3–4 accidents in their lives, but that doesn’t necessarily mean we know what to do immediately after the event. This can be especially daunting and stressful for young or new drivers. The aftermath of an accident can be complicated, partly because of insurance companies. Regardless of whether you’re at fault or another driver is to blame, you must report the accident to your insurance company and maybe even the other party’s insurance to get everything straightened out. If it’s been a while since you last reviewed your policy, set aside time to review it. Familiarize yourself with important terms and understand your policy to the best of your ability. Awareness of your coverage will help when dealing with an adjuster. Let’s walk through what you should do immediately after an accident and how to set yourself up for success when dealing with insurance companies. Document as much as you can. After an accident, you must do everything possible to protect yourself. Even if the other driver was obviously at fault, you never know what they will claim when talking to the police or their insurance carrier. Take pictures or record videos of the accident scene, any vehicles involved, and visible injuries. After speaking with police officers, request a copy of their report, which may include information stating who was at fault. If you need to see a medical professional, then obtain records of any treatment, prescriptions, or doctor’s visits for injuries from the accident. Lastly, gather contact information for any witnesses to the accident
if possible. All of this documentation will serve as evidence should insurance push back.
Watch what you say. You’ll often hear attorneys say you should be very careful when speaking with law enforcement to ensure you don’t admit guilt or say something that lands you in trouble. They’re not the only group you need to be cautious of when expressing your thoughts. You’ll likely have to speak with an insurance adjuster whose sole job is to minimize the amount the insurance company pays on claims. It’s vital that you don’t speculate or admit fault when speaking with an adjuster. Anything you say on this call could affect your potential compensation. Cooperate as much as you can, but avoid giving a recorded statement until you know the full extent of your injuries. Another thing to remember is that the insurance company will likely try to settle this matter quickly. Their initial offer may be tempting, but don’t jump the gun. Wait until you know the full extent of your injuries and the situation before accepting their offer, or else you could receive less compensation than you need. Know when to turn to legal help. Not every car accident will require legal counsel or involvement. Ideally, you won’t suffer a severe injury or deal with an uncooperative insurance company. If you aren’t so lucky, you should hire a lawyer to represent you and fight for your rights. There’s a good chance the insurance company will take your claim more seriously once it realizes you have legal representation. An attorney can provide guidance and advice regarding communication and signing documents. Your lawyer should be able to break down the terms of any document your insurance company sends. Even if things go your way initially, you may need to stay on top of your own or the other party’s insurance carrier to ensure they don’t drag their feet. Follow up regularly to ensure your claim continues to move forward!
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