What should I do after a car accident?
If you are involved in an automobile accident, it is imperative that you do the following:
Call the police if you are able. Do not let the at-fault party leave the scene of the accident. However, if they do leave, get their vehicle license plate number. If you are injured, seek medical attention. Report the accident to your insurance company. Failure to report the accident in a timely manner may result in a denial of benefits. Your insurance company will want your recorded statement. It is recommended you hire an attorney before giving your statement. If the at-fault driver’s insurance company calls you, it is recommended you only discuss the damage to your vehicle. If they want to discuss how the accident happened or your injuries it is recommended that an attorney handle this for you. You are under no obligation to give the at-fault party’s insurance company a recorded statement. Speak to an attorney as soon as you are able. By waiting or if you do not hire an attorney to protect your rights, you could jeopardize your claim.
Who pays for my medical bills and lost wages?
Your automobile insurance company pays for your medical bills at 80% and lost wages at 60% less the deductible you selected.
Do I have a claim?
If you have been injured, you may be entitled to make a claim. There are several complex issues to determine whether you have a claim. It is recommended that you contact an attorney to represent you. The earlier the better.
If the insurance company gives me a Release, should I sign it?
No, do not sign any release until you have consulted with an attorney. Once you sign a Release, you could be prevented from making a claim in the future.
Who pays for the repairs to my vehicle?
If the accident was not your fault, the at-fault party’s insurance company is responsible for reasonable repairs or the reasonable value of your vehicle, if it was totaled. The at-fault party’s insurance company is also responsible for reimbursing your tow and rental expenses. Regardless of who caused the accident, you can collect from your own insurance company (less the deductible you selected) if you have Collision on your policy.
Should I take photographs of my vehicle?
If you have not hired an attorney to do so, it is highly recommended that you take photographs of the damage to your vehicle.
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