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Frequently Asked Questions: Automobile Accidents

Learn the Answers to Your Biggest Questions

If you have never been involved in a motor vehicle accident before, you will undoubtedly have a lot of questions if you ever find yourself in this common predicament. Of course, you are not alone, which is why we compiled a list of some of the most frequently asked questions regarding auto accidents.

Taking the right actions after a car accident is crucial to the success of personal injury claim, so take a moment to learn some pertinent information.

What should I do after an accident?

Check to see if anyone is in need of immediate medical assistance. Regardless if no one is injured, you should still dial 911. The officers that arrive at the scene will write up a police report, which will be essential evidence for your personal injury claim. Exchange contact information and insurance information with the other driver or drivers involved and make sure you collect contact information for passengers and witnesses as well. You should also see a doctor as soon as possible even if you do not think you are injured. Not all injuries produce symptoms immediately.

What will compensation cover?

If successful, compensation can cover past and future medical bills related to your injuries, including surgeries, physical therapy, medication, and necessary assistive devices. The amount received will be based on a number of factors, including the severity of your injuries and if you are able to achieve a full recovery.

What should I say to the other driver’s insurance company?

The insurance adjuster is not your friend and is not trying to help you obtain the compensation you need. To avoid harming your claim, you should only provide basic information, such as your name, your contact information, where the accident occurred, when it happened, and the types of cars involved. You should not say anything regarding your injuries or speculate over what happened.

Should I accept a first settlement offer?

If the insurance adjuster makes an offer within the first few phone conversations, it will be tempting to accept it, but it is likely a lowball offer. Do not be in a rush to accept or assume it is your only chance of receiving compensation. Consult with a personal injury attorney first.

Will I have to go to court if I file a personal injury claim?

More often than not, personal injury claims are able to settle outside of court. An experienced and skilled attorney can negotiate on your behalf to ensure you are appropriately compensated. If the insurance company is being unreasonable and negotiations fail, your case will go to court, which is why it is important to hire an attorney who is capable of representing you inside or outside of court.

I got a call from the adjuster from the insurance company of the person who caused my accident- should I speak to him

No. Do not talk to an insurance adjuster before contacting The Law Offices of James A. Welcome to protect your rights. Insurance adjusters often take advantage of car accident victims.

Why? Aren’t insurance adjusters there to help you?

No. Insurance adjusters are trained to try to influence you into saying something that would limit your ability to collect money for your injuries. They will often record every word you say to them and your words, especially after a traumatic time such as a car accident, may be used against you at a future time.

But I want to tell the insurance company all of the horrible things that went on, when the accident and information is still fresh in my head.

First, you may not know the full extent of your injuries at the time of a recorded statement. Second, remember that any recorded statement might be used against you in related litigation.

Isn’t what I say to an insurance adjuster confidential?

Actually, what you say to an insurance adjuster is not confidential! Only what you say to an attorney is confidential and therefore we suggest you contact attorney James A. Welcome before speaking to anyone about your accident.

What if I already made a recorded statement with an insurance adjuster right after the accident and there are some changes I want to include?

Once a recorded statement is made, it is difficult to correct or explain what you said afterwards. Therefore, it is best to tell the adjuster that you want to talk to an attorney at The Law Offices of James A. Welcome before discussing anything.

What should I do if the adjuster tells me he or she will cover all of my medical expenses for the accident and asks me to sign a release that I will not bring any further action?

They are telling me it's in my benefit to get the claim processed quickly and I really need help covering my medical expenses. The adjuster is trying to have you sign away your right to collect compensatory damages, such as for pain and suffering, loss of past or future earnings, cost of future medical care, etc. They may even offer you a small sum above and beyond the medical expenses they offered to pay you. Remember that the adjuster will try to pay the least amount possible for your claim.

Schedule a Consultation with a Car Accident Attorney Today!

If you were injured in a traffic collision, you must hire an experienced car accident attorney to represent your case. At the Law Offices of James A. Welcome, our team has the experience and insight necessary to effectively handle your claim.

Call us today at (203) 806-7922 to schedule a consultation.

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