Being involved in a car accident can be overwhelming, but what you do in the moments following the crash can significantly impact your ability to recover compensation. Insurance companies are not on your side, and making a mistake could cost you thousands in medical bills, lost wages, and pain and suffering.
Here are five critical steps you must take immediately after an accident to protect your rights and maximize your injury claim.
Step 1: Call 911 and Seek Medical Attention Immediately
Your health is the top priority. Even if you feel fine, some injuries, like concussions or internal bleeding, may not show symptoms right away. Calling 911 ensures emergency responders document your injuries and create a police report, which is vital evidence for your claim.
Why It Matters:
Medical records provide proof of injury, making it harder for insurance companies to deny your claim.
A police report documents the accident and can establish fault.
Step 2: Gather Evidence at the Scene
If you're physically able, collect as much information as possible. Use your phone to take pictures and videos of:
Vehicle damage and accident location
Traffic signals, skid marks, and weather conditions
Visible injuries
License plates and insurance details of the other driver
Why It Matters:
Evidence helps prove who was at fault and prevents insurance companies from blaming you.
The more documentation you have, the stronger your case becomes.
Step 3: Avoid Admitting Fault or Discussing the Case
Never say "I'm sorry" or admit fault at the scene. Even an innocent comment like "I didn’t see you" could be used against you. Instead, stick to the facts when speaking with the police and other parties involved.
Why It Matters:
Anything you say can be used to minimize your compensation.
Even if you think you were at fault, you may not be—leave the investigation to your attorney.
Step 4: Notify Your Insurance Company, But Be Cautious
Report the accident to your insurer, but keep the conversation brief. Insurance adjusters are trained to find ways to deny claims or reduce payouts.
What to Avoid:
Do not give a recorded statement without consulting an attorney.
Do not agree to a quick settlement—you may be entitled to more compensation.
Why It Matters:
Insurance companies may try to lowball you; legal guidance ensures you get fair compensation.
Step 5: Contact a Lawyer Before Accepting Any Settlement
Before you sign anything from the insurance company, consult a lawyer. A lawyer will negotiate on your behalf and ensure you receive full compensation for your medical expenses, lost wages, and pain and suffering.
Why It Matters:
Studies show accident victims who hire attorneys receive higher settlements.
Lawyers handle the legal battle, allowing you to focus on recovery.
Final Thoughts
Car accidents are stressful, but taking the right steps can protect your health and financial future. If you’ve been injured in a car accident, don’t wait—contact Brinkley Law today for a free case review.
📞 Call Brinkley Law at 317-766-1379 for a Free Consultation!
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