Getting into a car accident can be scary, stressful, and traumatic. After the dust has settled, you’ll need to file a claim with your car insurance in order to get your vehicle repaired or replaced. Before you make that phone call, be sure to get all the pertinent information including the other driver’s contact information as well as a police report and witness statements. This handy guide will tell you more about what to do following a car accident so you can be covered.
Consider an Attorney
If you’re injured and the accident is through no fault of your own, you may need to seek legal representation. Most insurance companies will want to settle with you, which means you’ll likely feel forced to take less money than you deserve. If you decide to hire an attorney, their job is to represent you and help you fight for the maximum amount of money you’re entitled to under the law. Never accept an insurance settlement until you’re absolutely sure it’s the best option under your particular circumstance. Give your attorney all the information you have including medical bills and any photos of the damage to your vehicle.
Seek Medical Attention ASAP
Even if you don’t feel like you’re hurt badly, you should always seek medical help after a car accident. You might not feel it right away, but after the adrenalin wears off, you’ll probably be in pain. If the accident requires an ambulance ride and a visit to the hospital, you should accept this option. If not, it’s still a good idea to see a physician as soon as you can so they can examine you and make sure you’re not dealing with internal injuries. If you don’t get medical help, you might not have a case later if you try to pursue that route.
Work with Your Insurance Adjuster
Your insurance company should send an adjuster to you after the accident. Their job is to take a closer look at the damage, record photos, and ask you any questions so they can get an idea of the scope and scale of the damage. Once they make their notes, they’ll determine if your vehicle is completely totaled or if it can be repaired. They’ll likely recommend a mechanic for you to use, but you’re free to use anyone you choose if you have a mechanic you prefer. If the adjuster gives you a monetary offer, you can accept it, but you’ll waive your rights to seeking any further claims for damages later. If you decline their offer, you can appeal and ask for more money but it could take quite a while to get a final determination.
As long as you keep good records and get medical attention after a car accident, you should be able to get the compensation you deserve so you can move on with your life.