After a Car Accident: What to do?

What to do after a car accident that is not your fault.

Car Insurance works differently if you’re not at fault. If your vehicle has damage caused by another driver, then they will pay out any money needed to repair your vehicle. However, if you cause the accident yourself, then there won’t be any compensation paid out.

If you have been in an auto accident and it was determined by police or other authorities that another driver’s negligence caused the crash, then you may be entitled to compensation for injuries sustained as well as damages incurred due to property damage. If this happens, you should contact an experienced personal injury attorney immediately so they can help determine if there is any basis for filing suit against the negligent party. The first step will usually involve gathering information about the incident from witnesses who were present at the time of the collision. This includes collecting statements regarding what happened before, during, and after the crash occurred. It also involves interviewing those involved in the accident including drivers, passengers, pedestrians, bicyclists, etc., as well as anyone else who witnessed the event. You need to know whether the person responsible has liability coverage through their own policy or through one provided by their employer. In addition, you must find out how much money he/she would owe under his/her policy limits.

If you are involved in an auto collision, it can be very stressful. You may feel like the other driver was at fault and should pay for damages or injuries sustained by you as well as any damage done to their vehicle. However, if there were no signs of negligence on either side, then both drivers will likely have insurance coverage which means they’ll share responsibility for paying out claims.

The below mentioned items must be reported within a certain time frame after an incident has occurred.

  • police report
  • motor vehicle accident reports
  • fire and theft loss reports
  • medical bills/claims
  • workers compensation claims
  • property damage claims
  • personal injury claims

 For example, if you have been in an MVA or fire, then your insurer will need this information as soon as possible so that they can begin processing it. If you don’t provide them with all of these documents on time, then there is no guarantee that they will pay out any money for your claim. This could result in delays in receiving payment from your own personal auto policy, home owners insurance, renters insurance, etc.

If you fail to file a police report, motor vehicle accident report, property damage report, medical bill, workers comp claim, or other type of document, then you may not receive full coverage under your insurance policy.

How does car insurance work when you are not at fault?

The first thing that is done in a case of an accident where one party is found to be responsible for causing it. The other driver or their insurer will pay out on behalf of them and then they can sue the person who caused the damage. This process is called third-party liability coverage. If your policy has this type of cover, you should check whether there is any excess over what you have already paid out. You may also need to make sure that if someone else’s vehicle was involved in the collision, that you have enough personal injury protection benefits available to compensate all parties affected by the crash.

What happens after I am injured in an auto accident?

If you were hurt as a result of another driver’s negligence, you could file a claim with your own insurance company. They would investigate the incident and decide how much money they owe you under your policy.

How much does your insurance go up after an accident that’s not your fault

If you’re involved in an auto accident where neither party can be held responsible, how much will your car insurance premiums rise? That depends on who pays out claims. After all, the more accidents you get into, the higher your risk profile becomes. So, even though you weren’t at fault, your rates could still increase because of this.

How long before my car insurance goes up?

The length of time until your rate increases varies depending on several factors including:

  • The type of policy you hold
  • Your driving record
  • How many times you’ve been insured with your current policy.
  • When you first start getting quotes, you’ll probably see some pretty high numbers. This is normal. But over time, your rates will drop back down again. It takes about three years for most people to lower their rates significantly.

What should you not say to your insurance company after an accident?

After any kind of injury, there will be questions from your insurer. You may need to provide them with details of how the incident happened, who else was involved, whether anyone has filed suit against you, etc. It can also help if you keep notes of all conversations with insurers so they don’t forget anything important, so you get the most compensation for your car accident injury. However, some things shouldn’t be said during these discussions. Here are three common mistakes people make when talking about an accident:

1) Don’t admit liability

2) Don’t tell the truth if it unfairly implicates you

3) Don’t mention previous incidents

Don’t Admit Liability

It might seem obvious but admitting liability isn’t always wise. For example, if someone rear-ends you while texting behind the wheel, you’ll probably want to claim that person wasn’t negligent. But, if he/she admits guilt, you may end up having to pay him/her back for medical bills. This doesn’t mean you should lie; just try to avoid saying too much.

Don’t tell the truth if it unfairly implicates you

It’s tempting to blame everything on the other driver. In fact, most people would rather take the easy way out than face the consequences of being honest. Unfortunately, lying to your insurer can lead to problems down the road. They may decide to cancel your policy or raise your premium. Plus, it makes it harder for you to prove your innocence later on.

Don’t Mention Previous Incidents

This is a tricky one. When discussing an accident, you definitely don’t want to bring up past issues. Even if those events didn’t happen under similar circumstances, mentioning them could affect your case and result in a bigger payout.

Insurance companies use different methods to calculate what your premiums will be.

In general, insurance companies are required to do the following:

1. Pay claims promptly; and

2. Not deny a claim without conducting an investigation into its validity or reasonableness.

The first duty is known as “paying” your policyholder’s claim. This means that you must pay any benefits due under your contract with your insured within 30 days after receiving proof of loss from them. If this time period expires before payment has been made, then it will be considered late. The second duty is called “investigating.” It requires you to make reasonable efforts to determine whether there is coverage for a particular incident. You may not arbitrarily refuse to investigate a claim simply because you think no money is owed. However, if you have evidence showing that the claim was fraudulent, dishonest, or otherwise invalid, you can decline to honor it. In addition, you should conduct such investigations in good faith. That means doing everything reasonably possible to avoid denying legitimate claims.

How do you take care of your body after a car accident?

An ambulance arrives quickly to assess the situation. If necessary, paramedics attend immediately. Once you’re safe, you’ll likely receive first aid treatment by emergency services staff. Then, once you arrive home, you’ll have to deal with the aftermath of the collision yourself.

First Aid Treatment

If you were injured in a car accident, then you’ll need to see a doctor as soon as possible. A qualified health professional will examine you and give you advice regarding injuries sustained. He/She will ask you questions such as where exactly did you hit your head, which limbs hurt, and whether you’ve been knocked unconscious. The doctor will also check your vital signs. Depending on the severity of your injuries, this process could last anywhere between 15 minutes and several hours.

Once you get home, you’ll need to clean wounds and treat minor cuts. You’ll apply antiseptic cream to any open sores. Next, you’ll soak bandages in warm water until they become soft enough to wrap around your injury. Finally, you’ll cover the wound with gauze before wrapping it tightly. Make sure not to cut off circulation! You’ll also need to keep track of pain medication. It’s important to know how long you took each dose so you won’t exceed recommended limits. Also, write down all medications taken so you remember to inform your doctor at subsequent visits.

Injuries That Require Medical Attention

The following types of injuries require immediate attention:

  • Broken bones
  • Internal bleeding
  • Severe burns
  • Head trauma
  • Neck injuries

In short, anything that causes severe discomfort or requires hospitalization needs to be treated right away. However, there are some things you shouldn’t worry about. For example, broken ribs usually heal without intervention. Similarly, sprained ankles typically recover within two weeks. Minor bruises fade over time.

There are many more serious conditions that aren’t life-threatening but still warrant medical attention. Here are some examples:

  • Concussion
  • Spinal cord injury
  • Amputation
  • Traumatic brain injury
  • Multiple fractures
  • Burns
  • Infection

It’s best to seek help when you feel something isn’t quite right. In fact, most people who suffer from these conditions never realize their condition was caused by a car accident. This means that even though you may think you’re fine now, you should visit your physician regularly.

1. Seek medical assistance if you experience symptoms like dizziness, nausea, vomiting, blurred vision, loss of consciousness, or difficulty breathing.

2. Don’t drive for 24 hours after an accident unless you’re cleared by a licensed driver.

3. Keep track of your prescription drugs. Write them down and store them safely.

4. Take photos of your vehicle and other personal belongings. They might come in handy later.

5. Contact your insurance company to file a claim.

Helpful Post-Accident Links:

iii.org

autos.aarp.org

geico.app.link

nh.gov