Newsletter
Many people panic when they are in an auto accident. They worry how it will affect their insurance rates and other matters. Sometimes, panic causes people to say things they will later regret and to overlook information that would be helpful if a dispute arises regarding the accident.
Here are some steps to follow if you are involved in a car accident. These can reduce the hassles and increase your chances of receiving fair compensation for any damages.
· Call an ambulance for anyone seriously hurt.
· Write down the name, address, phone number, driver’s license number, and insurance company of the other driver and the other car’s owner (if the other driver does not own the car).
· Write down the names, addresses, and phone numbers of all passengers in the other car.
· Write down the other car’s make, year, and license number.
· Write down the names, addresses, and phone numbers of witnesses.
· Make a diagram of the accident. Show the positions of both cars before, during and after the accident. Measure skid marks, and show them on the diagram. Also show traffic signals, stop signs, and crosswalks.
· Make Notes on road conditions and where and when the accident happened.
· Do not admit responsibility. Things you say can be used against you later. Call us before taking any blame for the accident.
Call us if you have questions about your right to make a claim for your injuries or damages. The procedures for obtaining compensation can be complex. It is best to call as soon after the accident as possible, since there are time limits for making claims.
If You Have an Injury
Claim, Don’t Delay
People who have been wronged must decide whether to make a claim. Sometimes they ponder this question a long time before deciding. When considering whether to make a claim, people must also think about statutes of limitations.
Statutes of limitations put time limits on when actions may be brought. If you wait to long to make a claim, and the statute of limitations passes, your claim will be denied - even if it was valid.
Recently, a man who was hurt while getting off a plane made a claim against the airline to recover damages. A court noted that the statute of limitations for personal injury actions had passed, so his claim was dismissed and he lost the chance to recover for his injuries.
Harsh Results
Statutes of limitations have harsh results. Thus, if you are considering whether to make a claim, consult a lawyer promptly to assure your claim is not lost by delay. Also, even if it seems like a claim arose long ago, there could be grounds to overcome the statue of limitations. People with potential claims may still consult a lawyer to see if a claim can be brought.
Þ Auto Insurance Tip: Carry Uninsured and Underinsured Motorists Insurance.
Auto accidents involving drivers with no insurance - or too little insurance - are common. Victims of these accidents are often shocked to learn they will recover little money (often none) for their injuries and losses. To avoid this tragic situation, carry an adequate amount of uninsured and underinsured motorists insurance. These types of insurance are inexpensive and will protect you in case of a car accident with an uninsured or underinsured driver.