All posts in Auto Accident

5 Post-Car-Accident Mistakes that Will Cause You to Lose Out on Money You Deserve

Involvement in a car accident can be very chaotic. The event itself is traumatic, but your actions after the accident may have the most impact on the outcome of your claim for compensation. Although you’ll be a little shaken up immediately following the experience, you’ll need to be prepared to take action (and avoid other actions) in order to keep yourself protected from a law suit or other problems further down the road. Knowing what not to do after an accident occurs is just as important as knowing what to do, so read on to learn about the biggest post-car-accident mistakes that you definitely want to avoid at all costs.

Admitting Any Fault

It is human nature to assume at least partial responsibility for an accident. Never admit any responsibility to the accident to law enforcement or anyone else at the scene of the event. Simply reply that you are not sure what happened or provide information about your reaction to events. Most states have laws governing compensation benefits based on responsibility. Let the attorneys use evidence to determine fault. Obviously, you want to be honest, but most likely you won’t be thinking clearly after the accident because of the adrenaline, so be sure that you don’t reveal too much since you might be confused about what really happened.

Not Seeking Immediate Medical Care

While most auto insurance policies provide you with up to seven days to seek medical care for an accident, most insurers will start to question the conditions after about 12 hours. Many claims are automatically denied because the insurer feels the injury is not related to the event. You should seek medical care immediately, even for minor injuries. If an EMT comes to the scene of the accident, take their advice, especially if they suggest that you go to the hospital. They might be able to see some potential problems, and again, you’ll be full of adrenaline, so you might not feel the full measure of the pain yet. Even if you feel something slightly painful or abnormal, you’ll want to consult a doctor, just in case.

Failing To Hire An Attorney

You should hire an attorney as soon as you can once you sense any trouble after the accident. Many people will not take issue with the accident if it was a mutual mistake, but be prepared for the other party to sue or the insurance company to expect a settlement from you. The insurance company will begin pushing for you to make a settlement or agreement with them as soon as possible. Avoid making any statements or agreements with the insurer prior to speaking to an attorney. Additionally, an attorney will be familiar with all of the benefits you are entitled to because of the accident. Many times the insurance company “forgets” to disclose these benefits. With an attorney on your side, you’re more likely to get what you deserve, and get it in proper time. If you wait until months after all of the events have transpired, it will be much more difficult to get what you want at that point.

Not Following Medical Care Instructions

It is very important that you follow all medical care instructions and keep all appointments. Missed appointments or refusal of treatments is seen by the insurance company as a sign that you no longer need medical care. If you are not happy with the medical care you are receiving, speak to your attorney about having a second opinion conducted. The worst thing you can do is ignore a doctor’s recommendations or orders. As mentioned, you can switch doctors if you don’t agree with their treatment style or recommendations, but ignoring medical care instructions could disqualify you for coverage later down the road which could be a huge problem if your condition caused by the accident worsens.

Posting Too Much Information

You should refrain from posting too much information on your social sites about the accident. Keep any information you post as basic. Never admit fault on your pages and never disclose the legal issues you have discussed with your attorney. The insurance company will be monitoring your site, and postings on your social media sites could be used as evidence against you if you aren’t careful. Be careful with emails and electronic communications as well since these can often be obtained and used against you. Just as you don’t want to admit fault at the scene of the accident, you don’t want to say too much about your involvement in the accident—even if you’re just posting on the internet.

By understanding these five mistakes, you can avoid problems with your compensation claim and receive the full amount you deserve for your losses. As mentioned, you’ll likely be frazzled and overwhelmed immediately following the accident so be careful that you don’t make a mistake just because you are confused or shaken up. If you know the best steps to take before an accident ever occurs, then you’ll know exactly what to do when that unfortunate time comes.

AUTHOR BIO: This article was written by Dixie Somers, a freelance writer who loves to write for business, finance, women’s interests, and technology. She lives in Arizona with her husband and three beautiful daughters. Dixie got her advice for this article from the legal professionals at the Law Offices of Stanley Pasternak who practice law in Toronto.

Recent Car Accident? Six Secrets Your Auto Insurer Might Not Be Letting You In On

You pay for insurance for peace of mind and protection when you are put in a situation where you need to file a claim. While many insurance companies are dedicated to fair and timely claims processing, some adjusters are taught specific tactics that are designed to reduce the amount of the settlement. Car insurance adjusters are paid to keep an eye on claims settlements and to reduce the company’s obligation as much as possible. While adjusters can be helpful and friendly, they are known to keep secrets from claimants so that they can close a claim as quickly as possible. Here are 6 secrets that you should know about if you’ve recently been in an accident:

Your Statements At the Scene Can Be Used Against You

Immediately following an accident, it is almost second nature to apologize or explain your case. Make sure that you do not make statements to witnesses or the police that can be used by the other party’s adjuster to justify fault. It is best to check to see if everyone is okay, and then shut your mouth and leave the investigation to the professionals. What you say can and will be used against you.

Speak Up About Your Injuries

Many people fear reporting an injury because they are worried that their claim will be investigated for fraud. It is important to be honest with your adjuster and with yourself. If you are experiencing pain days following the accident, tell your adjuster about your injuries and see a medical professional. In addition to the physical costs, you also need to consider the actual costs. You may need medical attention, but your injuries could also lead to lost wages, the need for child care and for help around the house. These are all things that may be covered by your insurance.

You Will Be Rushed to Settle

The faster a company can get you to settle following your accident, the less they typically have to pay. Do not be rushed to accept the offers you are extended to fix your car and pay for your injuries. Injuries can arise over time, and you do not want to sign away your rights because you accidentally signed the release forms you did not review.

You Do Not Have to Use a Preferred Auto Repair Place

All too often, claims adjusters recommend a shop to vehicle owners that is considered "preferred". The reason for this is to keep the cost of the claim down, but can you trust this shop? You want your vehicle to be repaired properly, not temporarily. Be sure to choose a mechanic that you can trust and don’t be pressured to use a "preferred" shop.

A Total Loss Is Not Always a Total Loss

Insurers will pay to total your vehicle or repair it, but you can request to have a third party estimation done if you do not agree with the decision. If your car is deemed a total loss, be sure to have an appraiser representing you draft a report so that you are not cheated.

You have the Right to Mediate

Many insurance adjusters present an offer and have a "take it or leave it" attitude. This makes you leery of challenging them, and keeps costs down. If you do not agree with the offer, you can dispute it and go through the process of mediation. Because insurance companies want to avoid lawsuits and jury verdicts, they are likely to sweeten the deal.

If all consumers knew claims secrets then the industry would not be a multi-billion dollar one. Be a wise consumer and do not jump at the first offer. Exercise your rights and know your duties so that you can get the compensation that you deserve.

In a Car Accident? 5 Ways to Make it Look Like Your Car Crash Never Happened

It would be great if car accidents never happened. However, chances are if you drive frequently you will at least encounter a small fender bender in your lifetime. Whether you have a small scratch or a large amount of damage to your car after an accident there are a few things you can do to make your car look like new. A few ideas for "erasing" the accident are below.

Get Repairs Done Immediately

When you think about repairing your car after an accident and making it look brand new again you might think the most important thing to do is paint the car, or remove any dings and scratches. However, time itself is the most important factor when it comes to making your car look like the crash never happened. Many people wait to get their car serviced after an accident, particularly if the damage isn’t too bad. But the sooner you get your car serviced and repaired, the easier it will be for your mechanic or body shop expert to get your vehicle looking outstanding again.

Wash Your Car

It might seem overly simplified, but washing your car can actually do a lot to improve the look of your car after an accident. During an accident there are a lot of things that happen that can make your car look dirtier or more damaged than it truly is. Taking the time to wash (and maybe even wax) your car after an accident can help you determine what was just dirt and easily removed paint scratches and what is truly in need of repair.

A New Color

If your car’s paint was scratched up in the accident getting it touched up might seem like an obvious course of action. But if there are significant areas of paint you’ll need to get touched up you might want to choose a whole new color for your car. The reason for this is because it is very hard to match old and new paint, even if it’s the exact same color. The combination can make it the newly painted areas stand out and make the repairs very obvious. However, getting your entire car painted gives your vehicle a consistent, brand new look that can go a long way to erasing the "wrecked and repaired" look of the car.

It’s All in the Details

After an accident most people know to get the paint redone and any major damage restored or fixed. However, paying attention to details like hubcaps, tires, grills, and other areas of your car can also help your vehicle look brand new after an accident. For instance, if you have brand new paint and a scuffed up grill it’s still obvious you were in an accident. Mismatched or missing hubcaps, scratched or non-working tail or headlights, and other details are also giveaways of an accident. Focusing on these details can help you make your car look brand new and nearly erase the signs of a crash.

Masking Damage with Accessories

Sometimes no matter how hard you try there are small areas of damage that can’t be restored to "like new" condition. If you have a small dent in your bumper or an area of your rear view mirror that is scuffed and can’t be repaired, use accessories to mask the damage. A well-placed bumper sticker or a lei around the rear view mirror can quickly and inexpensively mask minor damage, making it look like the accident never happened.

Following these tips can help you make your car look brand new again after a crash. Remember to always get your repairs done as soon as possible, and beware of using used parts. Not only do used parts often not match the parts you currently have, but they may have internal flaws that will cause you to spend more money later. Using a little creativity you can find ways to restore your car and cruise the roads with pride again in no time.

My name is Lizzie Weakley and I am a freelance writer from Columbus, Ohio. I went to college at The Ohio State University where I studied communications. I enjoy the outdoors and long walks in the park with my 3-year-old husky Snowball.

Lizzie found the information for this article from Collision One. They are the number one service based on independent customer service.

Get in A Car Accident? 5 Phone Calls You Should Make Immediately After it Happens

A car crash can leave some drivers and passengers in shock. However, it’s important to make the following five phone calls immediately after getting into a car accident.

Auto Insurance Agent

After getting into an accident, a driver should call his or her auto insurance agent. The agent will immediately start up all of the paperwork that needs to be filed for an official claim. An agent will instruct the driver on what to do regarding towing, storing and repairing the vehicle.

Police Help

The police should be called immediately after an accident. An officer can arrive in a matter of minutes to assess the car accident site. An official police report is created at the accident site. This report includes information about the causes of the accident and the driver that is at fault. A diagram can also be drawn in order to officially determine what happened during the car crash.

Legal Assistance

A personal injury attorney has said that people can save themselves some serious headaches as well as money, if they call a lawyer. They can be very helpful in taking care of some legal issues involving a car accident. An attorney can file a claim against insurance companies that are not willing to pay any extra money for medical expenses and other compensation to an injured driver or passenger. An attorney also has the right to file civil lawsuits against a driver at fault in an accident. Such a driver can face serious charges especially if he or she was impaired by alcohol or drugs.

Towing & Auto Collision Company

After a car accident, it’s a good idea to call a familiar local towing company. Such a company may offer a fair rate to tow away and store a damaged car. Otherwise, the police will call in towing services that may charge expensive rates. Additionally, a driver can request that his or her damaged car be towed to a specific auto body shop or service center that charges a fair rate. Otherwise, some collisions centers unknown to the driver may charge expensive rates for storage and labor.

Contacting Owner of Car

The owner of a vehicle should be immediately contacted after an accident. After all, some people drive cars that belong to their parents, relatives or friends. By law, the title holder of a vehicle is responsible for some of the events that follow a car accident.

Police, lawyers, insurance agent, car owner and towing company should all be called right after a car accident. Accident victims should also think about getting immediate medical treatment.

Chaleigh is a freelance writer that lives in NYC. She enjoys writing and lifestyle photography. She writes about anything from Reno Personal Injury Lawyer related content, to paving your driveway or how to properly fix your slice in golf. In her spare time she likes to take pictures, snowboard, golf, and play ice hockey.

How to Handle an Accident with an Uninsured Driver

The consequence from being involved in an accident can range from a mild inconvenience to a serious, life-altering problem. The challenges are magnified if the other driver is uninsured. When this happens, you’re forced to seek compensation from a person who may not be able to pay for your property damage or medical bills. Here’s what you should know about handling an accident involving an uninsured driver.

Call the Police

It is important to call for the police and obtain an official record of the accident. This will help you later when you’re trying to get your expenses covered. In most states, driving without insurance is against the law, so the other party may also be facing criminal charges. This is a vital first step for protecting yourself, so make this your first call.

Exchange Information

When dealing with an uninsured driver, you need to make sure that you have a means to reach the other party later. Collect information from the other driver’s license. Take pictures of their license plate. Ask for a cell phone number, home number and work information. Gather as much information as you can about this individual to facilitate contacting them later.

Get Checked Out

Take care of yourself. Visit the doctor or hospital to be examined. When adrenaline is coursing through your body right after an accident, you may not feel the pain of whiplash or other potentially serious injuries. However, the pain and red flags can show up a few hours or even days later. While your insurance may cover your injuries, you ultimately want the person responsible to cover the bills. Documentation is key to any accident, so ask for personal copies of any medical checkups and bills.

Work with Your Insurance Company

Your insurance may not cover you if you’re hit by an uninsured driver. However, there are riders that you can invest in so that you’ll be covered even if the other party cannot reimburse you. Even if you don’t have this coverage, you should still work with your insurance company. They can provide you with valuable advice, and they’ll want to know what repairs have been made to your car.

Review Any Settlement

Whether you’re working with an insurance company or an individual, you can expect the initial offer to be low. This is because the other party will work hard to minimize their losses by reducing payments to you. They may try to claim that some injuries or property damage were present before the accident, and they will almost certainly try to minimize your pain and suffering. You may want to consider working with a professional to help you review offers. It is possible to have a settlement reviewed and increased when you know the law and have an experienced attorney on your side.

Being involved in an accident with an uninsured motorist can cause a great hardship. It can be more difficult to recover damages as the uninsured driver may have minimal assets and no way to cover the damage. You may want to consider investing in a special rider with the insurance company, and work with professionals who can help you review any settlement offers if you are trying to collect damages from an individual.

Information Source: Law Offices of Savin & Bursk