Even a minor car accident needs to be taken very seriously. You may not feel like you have been injured, but you must entertain the notion that injury has occurred. There have been many times where people have been injured in a car accident and did not realize it until days later. They often regret not having taken the proper steps to ensure their health and to protect themselves financially.
Your first concern should be for your health. You need to be taken to a hospital if serious injury has occurred. Even if only minor injuries happened, you should still at least be seen by a doctor.
If you are not seriously injured, then you want to take time to get the other driver’s information, if there is another driver involved in the accident. You also want to report the incident to the police and to your insurance company. You may be eligible for payment from your insurance company or from the other driver’s insurance company, depending on the circumstances and the coverage both you and the other driver have.
Insurance payouts can take care of not just the cost of repairing your car, but also your medical bills, in some instances. If the other driver is at fault, you may be entitled to a reimbursement from them for medical expenses, even if their insurance doesn’t cover those kinds of expenses.
That’s why you want to write down a detailed account of what happened as soon as you can, while it is fresh in your memory. Be sure to take plenty of pictures, if you are able. Take pictures of your car, your injuries and the surrounding area.
Make sure you keep a copy of the police report, especially if the police determine the other driver was at fault. That report can be the most effective evidence to support your insurance claim, should you need to file a claim or should the case make its way to court.
If you can, it’s a good idea to work out the details of repayment with the other driver, without involving lawyers. That way, you can avoid a lot of fees, hassle and extra time. If they do agree to terms with you, then make sure you get those terms in writing and with both of your signatures attached. All of this may seem like a lot of work, but it will save you trouble later on.
However, there are times when agreement just can’t be reached. When you’re at loggerheads, an established law firm can make all the difference in terms of what you lose or recover.