Source: Freepik.com
Making an auto accident claim ought to be easy enough; unfortunately, most of us inadvertently create problems for ourselves by making minor missteps that will cost us valuable time, dollars, or our rightful reimbursement. Knowing what mistakes to avoid will significantly reduce the amount of stress and frustration associated with this process.
Auto accidents occur rapidly, and the ensuing confusion usually results in impulsive decision-making, which will ultimately lead to regrets. Many will simply fail to collect the documentation needed, while others will talk about the accident way too much at the scene. Simple mishaps such as these can weaken even the most substantial claim.
By being aware of what you need to avoid early on, you will have control over the course of your case. Many people believe that the insurance company will guide them through the claims process. Unfortunately, the insurance industry’s primary focus is on minimizing payouts rather than assisting injured motorists. The same goes for knowing what not to do as knowing the correct steps on how to protect your rights.
1. Not Receiving Immediate Medical Evaluation
One of the most common mistakes made is failing to receive immediate medical attention. Many injuries are not immediately apparent. According to the Centers for Disease Control (CDC), symptoms of whiplash and other types of soft-tissue injuries may not become evident until several hours or even days after the accident.
Therefore, by delaying receiving treatment for your injuries, the insurance adjuster may be able to argue that your injuries were not serious. In addition to protecting your health, seeing a doctor within 24 hours of the accident also provides you with a clear medical record of your injuries.
2. Failure to Document the Incident
Evidence of an accident gets lost easily. Pictures get lost, witnesses forget, and road conditions change very quickly. If possible, photograph the damaged vehicles, road signs and markers, vehicle tags, weather, and any visible injuries at the scene.
The following items are examples of documentation that you should consider taking:
- Driver contact and insurance information
- Names and witness statements
- Photographs of damage to both vehicles
- Location of the accident
Providing accurate documentation and supporting your attorney in creating a clear and chronological timeline of the incident significantly strengthens your claim.
3. Admitting Guilt Too Early
Many people express apologies at the scene due to emotional distress or to show politeness; however, even an apology can be used against you. Determination of guilt should only be made after all investigations have been completed.
As stated by the Federal Highway Traffic Safety Policies, human error is responsible for more than 90% of motor vehicle collisions. For this reason alone, it is crucial to allow police and experts to determine the circumstances surrounding the collision prior to deciding any fault.
4. Speaking to the Insurance Company Directly
Insurance adjusters may sound pleasant and willing to assist you; however, they are trained to limit payouts. Additionally, they may attempt to lead you into providing incriminating answers or obtain a recorded statement from you.
You are not required to give the insurance adjuster a recorded statement. Before speaking to the insurance adjuster, consider contacting an attorney who can advise you and assist you in avoiding any potential harm to your claim.
5. Accepting a Quick Settlement
Receiving a quick offer from the insurance company can be tempting, particularly if you are experiencing financial difficulties due to medical expenses or lost wages. However, early settlements typically do not accurately represent the total value of your claim. After accepting a settlement, you cannot reopen your claim.
Key Takeaways
• Get medical care right away.
• Document the scene with photos and notes.
• Avoid admitting fault.
• Be cautious when speaking to insurance companies.
• Do not accept early settlement offers.
