Being involved in an auto accident can be a traumatic experience. However, your actions after an accident can significantly impact the success of your claim. Even minor errors and misunderstandings can result in reduced compensation or a denied claim. Understanding these common mistakes and how to avoid them can make all the difference in securing the compensation you’re entitled to. In this article, we explore eight common mistakes that can hurt your auto accident claim and how to avoid them.
Failing to seek immediate medical attention
One of the most significant mistakes people make after an auto accident is not seeking medical attention immediately. Even when you feel fine or believe your injuries are minor, it is best to see an auto accident doctor as soon as possible. This is because some injuries, such as internal bleeding and whiplash, may not be immediately apparent but often worsen over time.
Failing to seek medical attention will not only jeopardize your health. It also gives your insurance providers a reason to argue that your injuries aren’t as severe as claimed or were caused by something other than the car accident, reducing or denying you the amount you’re entitled to. Ask your doctor for a medical report to help your lawyer build a solid claim to maximize compensation.
Not calling the police
Failing to involve law enforcement, whether you’re involved in a minor or major auto accident, can be a significant mistake. This is because a police report is critical evidence that your lawyer can use to support your claim. It provides an official accident account, including details like date, time, location, and parties involved.
Without a police report, it can become very difficult to ascertain fault. Be sure to involve law enforcement, no matter how minor the accident may seem, and ensure that the report is filed accurately.
Admitting fault at the scene
It is natural to feel shaken and even apologetic after a car accident. However, admitting guilt, whether it is through a direct statement or an offhand remark, can be detrimental to your compensation claim. Even if you believe you might be partially to blame for the accident, it is critical to avoid making statements that could be interpreted as admitting fault. Determining liability during an auto accident is a complex process that should be left to the insurance providers or legal professionals when necessary.
- Failing to gather sufficient evidence
The strength of your auto accident claim and the compensation amount you receive depends on the evidence you gather on the accident scene. By failing to collect sufficient evidence, you weaken your case. Some key evidence you should gather includes photos of the accident scene, skid marks, vehicle damage, weather conditions, and any visible injuries.
Be sure also to gather information from witnesses and make note of any traffic and security cameras that could have captured the incident. The more evidence you collect, the higher the chances of building a strong claim.
Not contacting your insurance company immediately
When notifying your insurance company about an auto accident, time is of the essence. Delaying contact can lead to complications with your claim. Most insurance policies require you to report an accident promptly, and failing to do so could result in claim denial.
You could also hinder the insurance company’s ability to conduct a thorough investigation, reducing the amount of compensation you receive. Some insurance companies view delayed reporting as a red flag or a sign that you’re hiding something. They could even argue the auto accident wasn’t severe enough to warrant immediate attention, which weakens your negotiating position.
To avoid potential pitfalls, contact your insurance company as soon as possible. Be sure to provide additional information when notifying your insurer, be honest and accurate, and document all communication with insurance providers. Keeping records such as the names of the representatives you talk to, the dates of conversations, and what was discussed can be invaluable in case of disputes or misunderstandings later in the process.
Accepting a quick settlement offer
After an auto accident, the other party’s insurance company may offer a quick settlement to close the case. While accepting this settlement and moving on might be tempting, doing so could be an expensive mistake. Quick settlement offers are often lower than what you might be entitled to, and once you accept, you forfeit your right to seek additional compensation.
Consult an experienced auto accident attorney before agreeing to any settlement to evaluate the offer and ensure it covers all damages, including future lost wages and medical expenses.
Posting about the accident on social media
It is common to share significant life events on social media today. However, posting about your accident or injuries online can harm your claim. Insurance companies and defense lawyers often monitor both parties’ social media accounts for evidence that can be used against them. Even seemingly innocent pictures can be taken out of context and be used against you. To protect your claim, it’s best to avoid discussing the accident or your injuries on social media until your case is resolved.
Not enlisting the services of an experienced auto accident attorney
Failing to partner with an attorney might seem like an effective way to cut costs, but it could cost you dearly in the long run. The compensation claim process can be complex, with insurance companies seeking to protect their bottom line instead of helping you get what you’re duly owed. Consider hiring a reliable and experienced auto accident lawyer.
A personal injury attorney can help you navigate the process, negotiate with insurance companies on your behalf, gather sufficient evidence, and ensure you receive the total compensation you deserve. Without legal guidance, you increase the risk of making critical mistakes that could reduce your compensation or even nullify the claim altogether.
Endnote
The aftermath of an auto accident can be stressful and overwhelming. However, by avoiding the above mistakes, you can ensure your claim is handled correctly, and you receive the compensation you deserve. Be sure to prioritize your health, gather sufficient evidence, contact your insurer promptly, and partner with an experienced personal injury attorney to protect your rights and strengthen your claim.
