Report your accident to the insurance company: It is important to report your accident to your insurance company immediately after the accident. If your own vehicle has sustained serious damage, your insurer can help you obtain a rental or replacement vehicle. If you or a passenger in your vehicle has sustained injuries in the accident, you should also report your accident to the other driver’s insurance company.
Review and understand the terms of your own insurance policy: In some cases, the driver responsible for your injuries does not have insurance or is underinsured. Check your own insurance policy to determine whether your own policy covers uninsured/uninsured motorists (also known as UIM).
Preserve evidence of your accident: Do not sell or immediately repair your vehicle following a serious accident. Your motor vehicle is a critical piece of evidence that can hold answers to the cause of your accident. If your lawyer is unable to use your vehicle in evidence, your case may be jeopardized, and you may not be able to recover the full value of compensation that you deserve.
Do not make any statements to the other driver’s insurance company: Any statements that you provide without the advice of a lawyer may be used to deny your claim or limit its value.
Do not sign documents without seeing an attorney. The other driver’s insurance company may ask you to sign an authorization giving them access to medical records that they can use against your claim. Work with your personal injury lawyer who can provide what the insurance company needs without compromising your claim.
Hire a lawyer to advise and represent you. Your lawyer can help with every part of your accident claim in order to maximize your eventual financial recovery for your medical expenses, lost income, and pain and suffering.