Car accidents are shocking, even if they turn out to be what’s called a “fender bender.” Because the drivers are so rattled, they may forget to take the steps that can protect them in the present and in the future. If you and any passengers aren’t badly injured, it’s important to take certain actions right away. Not taking them can cost you money or peace of mind in the long run.
Not Calling 911
If it’s possible, call 911 immediately. You should do this even if you believe the accident is minor. If you file a claim, you’ll need the police report. As a disinterested party, the police are more likely to write an accurate report of the accident.
Not Gathering Evidence
If you can, collect as much evidence as possible. Smartphones make this easier than ever, as you can take pictures and record witnesses.
Forgoing Medical Attention
You may walk away from the accident and think you’re fine, but you might not be. Concussions, for example, may not be symptomatic until hours after the accident, and some untreated concussions have proven to be fatal. Putting off medical care can also complicate your case if you ask for compensation.
Oversharing to Your Insurance Company
Your car insurance company is much like the human resources department on your job. They’re working for the company and not for you. Just tell your insurer the facts. Be mindful of what you say to the insurance company and other’s involved in the accident. Do not say you are sorry or tell them the accident was your fault even though it was. Don’t let them coax you into revealing such details, and don’t let them record you over the phone or in person.
Oversharing on Social Media
Putting the details of your accident on social media is not a good idea. You may think it will help your case, but it probably won’t. As a layperson, you’re too at risk to put something out there that could hurt your case. The best advice is to just not post about your accident on social media for a while.
Not Lawyering Up
You should not handle your case yourself, even if you’re a personal injury lawyer. This is because it’s almost impossible for you to be as objective as you need to be. A lawyer knows the ins and outs of personal injury law and can keep a cool head. If you’re worried about money, the good thing about personal injury lawyers is that they only get paid attorney’s fees if you get compensation.
Accepting the First Offer
One of the first things your insurance company might do is offer you a settlement. You shouldn’t take it even though it looks like more money than you’ve ever seen in one place. If you have injuries that haven’t healed and require you to have long-term care, that money will probably go very quickly. You’ll also pay your attorney out of that money. Don’t settle until you consult with your lawyer.
Leaving the Scene of the Accident
If you can walk away from your accident, you may be so rattled yet relieved that you simply flee the scene. However, you should stay at the scene if you can. If you really have to leave, inform the police and give them your contact information.
Waiting
Whatever you do when it comes to your accident, you should do it without delay. That includes calling the police, seeing a doctor and consulting a lawyer. States have statutes of limitations when it comes to bringing lawsuits. Though you may have some years to bring suit, evidence and eyewitnesses might be long gone by the time you do.