Being injured in a car accident is always something that you want to avoid. However, it is something that can always happen. You should be prepared and you need to know what to do. Obviously, there will be many different things that will go through your mind. Protect yourself with the following really important tips from Springfield car accident attorneys.
You should never admit any fault when at the scene of the car accident. The insurance companies can easily use a statement like this as evidence. According to state laws, you have to cooperate with the police investigation and you have to exchange insurance information.
File Accident Reports
You need to file a report in the event that you are faced with damage that goes over $500 or if injuries appeared. This is necessary based on state law.
Talk To The Insurance Agent
One thing that few people realize is that the accident has to be reported to the vehicle’s insurance company. Basically, you want to talk to your agent. A failure to promptly report can make the insurance company refuse protection.
Know Your Policy
Always ask the insurance agents about benefits that are available, based on the policy you have in place. It is possible that you do not have coverage for rental cars, medical bills, wage losses or car repairs. In the event that these benefits exist, you will receive compensation even as you wait for the claim to be settled with the driver that was responsible for the accident. Contrary to popular belief, using such benefits does not raise insurance rates, as long as you were not the party responsible for the accident.
Your insurance company needs to record what happened. This is initially done by recording your story. It is then possible to inspect the vehicle and a representative of the company may want to talk with your doctors. At this point of the process, it is a really good idea to get the help of a car accident attorney. This helps you be protected if the insurance company does not have your best interests in mind.
Seek Legal Advice
Speaking about attorneys, you need to be sure that you seek out legal advice whenever injured during a car accident and you were not the party at fault. This is so much more important than what you might initially think.
Whenever you talk with insurance companies, yours or the other driver’s, having legal help is important. It is possible to lose all your benefits when you make a mistake, like signing a document that you do not understand. Never give a written or recorded statement without an attorney.
Follow The Advice Of The Doctor
The most important thing in a car accident is to be sure that you take care of your health. If you were injured, the priority is always to get treated. Follow the instructions of the doctor and let the attorney take care of the legal side of things.