What to do when you are in a car accident
When you are in a car accident you need to do the following: (1) contact law enforcement so that a police report is done; (2) write down or take a photo of the other driver(s) insurance; (3) get to a hospital to be checked out for any injuries and (4) contact a lawyer.
The 4 keys to protecting yourself when in an accidentAccidents are very stressful. Not only is your day ruined, but your adrenaline is naturally high, and it can mask injuries. The first thing to do is call law enforcement so that an accident investigation can be done. Once an accident report is done, it is no longer your word against the other driver. Next, you need to obtain the insurance information from the other driver. Within this, if other drivers not involved in the accident pulled over to help, obtain their contact information as well. After all the information is gathered, you need to visit a hospital for a medical check up and assessment. Many times when people are in lower impact cases, they believe they are fine, but in reality their adrenaline is so high they do not know the full extent of their injuries until 2 to 4 days later. By going to the hospital immediately you protect yourself and block the insurance company from later arguing that you really were not hurt that badly because you did not see a physician the day of the accident.
Why you need to contact a lawyer before you talk to any insurance companyDo not ever contact any insurance company until you have retained a lawyer. An insurance company wants to settle any claim for the cheapest amount possible, and as fast as possible. Many times I see insurance companies with cheap offers on the table to injured victims within 5 to 10 days after an accident, but the client still needs months of medical care. There is a reason the insurance company wants to settle so fast - they want your claim resolved as cheaply as possible. A lawyer protects you from that rush to settlement and ensures that you will be fairly compensated for your injuries.