At times unfortunate accidents can hamper our lives and pocket books making everything seem impossible. Even with such gloomy thoughts on your mind it’s important that you take the required steps post-accident in order to ensure that you will be taken care of by your insurance agent or the courts. Remember that accidents will happen to all of us at some point or another in our lives and in necessary that we are all prepared on how to deal with the aftermath of such unusual and chaotic situations.
I sit here writing this article with the aim of better informing all of my readers on how to be prepared so that you may feel confident and calm during this situation.
A Doctor Is in Your Future
It’s important that one the very first things you do after said accident is that you visit a medical professional for an evaluation. Even if you have already determined that the pain is a simple sore muscle or sprained whatever it may be but you must understand that the insurance company will not help you without seeing that you at least visited a doctor. In the case that you do not visit a doctor they will simply assume that you had no injuries related to the accident you were involved in and that the pain you are suffering is unrelated to whatever claim you may have made. I recommend visiting your regular doctor or simply going to a walk in clinic and having a quick check up done if you are currently away from your home.
Keep a Running Log
Perhaps my title is a bit confusing so allow me to further explain. It is critical that you keep a journal of all financial costs related to your accident in order to fully be reimbursed when the time comes around. Without proper records you will have lost proper footing during reimbursement talks with your insurer. A proper log book of all costs would include medical expenses, assistance payments, and the loss of income due to missing work. Keeping one may seem tedious at first but the payoff will be more than worth it.
Never Accept Guilt
In the world of accidents things can quickly go from no one is at fault to you’re at fault. It’s important that you do the best you can to absolutely distance yourself from ownership of guilt. Remember that you should never admit to causing the accident, but also remember to act maturely throughout the entire process. Do not get defensive and verbally combative with the other party involved if they begin claiming the accident was indeed your fault.
Obtain Police Records
My second to last piece of advice has to deal with a simple but often overlooked step that everyone should take when dealing with an accident. You must obtain the police report on the incident as fast as possible so that you know what both parties have access too. If the police report is factually inconsistent with reality then it could delay or even stop any insurance benefits from coming your way. You want to make sure that both you and the insurance agency are seeing the same thing is what it really boils down to.
Hire a Lawyer
This is probably the most obvious step to take for most of us. Hiring a lawyer after suffering an injury is just common sense. They are more qualified to deal with any possible lawsuits targeting you as well as being able to more effectively deal with the insurance agency in order to net you a larger amount of money for your injury or injuries.
Eduardo Dieguez is a member of the content development team at Rue, Ziffra & Caldwell. Eduardo is a 1st generation American born Cuban that is currently in pursuit of his AA Degree at Valencia.