Don’t brush off a car accident injury (even if it’s from a minor event). Ensure your safety and well-being by taking these actions.
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Around the world, car accident injuries are the eighth leading cause of death.
This is why it’s so important to seek medical treatment after a car accident injury.
However, seeking medical treatment quickly also improves your chance of having your medical expenses covered by insurance. Keep reading to learn what to do after a car accident.
Call the Police
The first thing you should do after an accident is call law enforcement so they can file a police report. The law enforcement officers will do an investigation and interview you, the other people involved in the accident, and the witnesses.
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They’ll also inspect the scene, and vehicles, and include all that important information in their police report. You’ll need to use the police report later when talking with insurance companies. The police report will be used as evidence of who is at fault for the accident.
If you don’t have an official report, then the blame for the accident will be hard to prove. The other driver may have admitted that they’re at fault, but without a police report, it will be hard to back that up.
Calling law enforcement will also help you get the medical attention that you need.
See a Doctor
Once you’ve called law enforcement, you need to seek medical care as soon as possible. Even if you don’t think you have any serious injuries, it’s important to go to the doctor.
This will help you with your insurance company’s requirements. Some of them say that you have to seek medical attention in order to receive any kind of money for it.
You should also go to the hospital so that they can see if you have any injuries that may not have been visible at first. You’re likely running on adrenaline right after the crash, and that makes it easy to miss some injuries.
There also may not be visible injuries, but there could be underlying ones. You should also go to the doctor to help ensure that you’re emotionally stable.
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Going to the doctor will also give you an official medical report that you can also use as evidence in your claim. This will also help calculate the cost of all your medical expenses.
Get Tests Done
While you’re at the hospital, make sure that you have comprehensive tests run. This will ensure that you’re receiving all the treatment you need for your injuries.
You shouldn’t be worrying about your medical expenses, but rather focus on your health. You need to have any injuries documented as soon as possible.
Some doctors may say that you don’t need any tests, but you should stand up for yourself and your health. You may need to receive tests like X-rays, MRIs, or CT scans to fully diagnose any injuries.
The sooner you receive these tests after an accident, the easier it will be to say that they were caused by the accident. If you don’t have them done, then insurance companies may try to argue that the injuries weren’t related to the accident.
Know the Statutes of Limitations
Most of the medical treatment that you would receive for your injuries would be compensated under your auto insurance. There is a coverage called personal injury protection that’s offered under most insurance plans.
However, there are rules around that. For example, in some states, you have to seek medical treatment within fourteen days of the accident to be able to claim it. Each insurance policy is different, so you’ll want to know what your insurance’s rules are.
Regardless of who caused the accident, your medical bills should be covered under your own PIP plan. If you don’t see a doctor within the allotted time frame, this could make it challenging to receive any compensation.
Find a Lawyer
When you are ready to file an auto insurance claim, you’ll soon find out it can be a confusing and challenging process. Insurance companies are required to process claims quickly and fairly, but many insurance companies will try to drag the process out.
It’s better to hire a lawyer who can handle the entire process for you. They’ll be able to argue on your behalf.
You won’t have to worry about talking with insurance and saying the wrong thing that could impact your case. Find a lawyer who knows how to settle a case with your insurance.
If you’re interested in learning more about how a lawyer can help you win your case, click here.
Don’t Settle Quickly
After the car accident, the other driver may try and contact you. However, while you’re settling the claim, it’s best to not contact them at all.
They may try and ask you to settle it without insurance, but they may offer you less money than the insurance would give you. However, the insurance company may also try and offer you a lump sum of money to sign a settlement.
You shouldn’t settle quickly. Instead, wait until you’re evaluated by a medical professional and have time to talk with your lawyer. If you sign a settlement and then you have other injuries develop later, you’ll be responsible for paying for them as well.
Learn More About What to Do After a Car Accident Injury
After a car accident injury, it’s important to be compensated for all of your problems. However, not taking care of your injuries afterward can make it challenging.
If you’re interested in learning more about what to do after a car accident, make sure that you read some of our other blogs too!