No matter how tough you are, being injured in an accident puts you in a vulnerable position. Your body is not at its peak, and your thoughts and emotions are scattered. For many people, dealing with any kind of traumatic situation — from a construction site accident to being hit by a reckless driver — means taking control where you can as soon as you can.
That said, dealing with insurance companies all alone is rarely a good idea. No matter how much trust you place in the companies who vow to be by your side when you need them, the fact remains that insurance companies are in the business of making a profit. While no outcome is ever guaranteed, we want everyone to have a general understanding of insurance company lawsuits, regardless of if they’ve decided to retain our services. That’s why we’ve put together six tips for success when it comes to successfully recovering damages.
Tip #1: Seek Medical Attention Immediately
Many places where injuries occur — including amusement parks, grocery stores, and construction sites — have their own medical staff on hand. When you have been injured on-site, you may decide to seek the expertise of the medical staff, whose primary responsibility is to provide immediate triage and reduce risk. If you are lucky enough to walk away, you may think that means you have been cleared, medically speaking.
Even if you continue to experience pain, you might think it’s simply a lingering nuisance that will go away. After all, you were already seen by a medical professional. Remember, though, their job is not to diagnose you or come up with a treatment plan, and it’s almost certain you did not receive the same level of diagnostic care you would get at an actual medical facility.
When you have been in a car accident, calling for emergency medical care is always recommended. EMTs can use their expertise to determine if you have received potentially devastating injuries, including internal bleeding or spinal injuries. Even victims of seemingly minor car accidents should receive medical care immediately. Some injuries, like whiplash, don’t require much force to cause damage. That’s why more than ten percent of car accident victims are diagnosed with whiplash.
Regardless of how you have been injured or how serious you may believe the injury is, getting immediate medical treatment is important — not only for your own health and wellness but also for your legal posture, as well. The sooner you have a record of your injury, the more accurate your claim will be when it comes to calculating damages. It’s also worth mentioning that insurance companies love to use victims’ lack of medical attention — such as refusing an ambulance ride — as a way to devalue a claim.
Tip #2: Call the Police
When you call 911 for help, the likelihood is that both police and emergency medical teams will arrive on the scene, but it’s still worth mentioning. The law enforcement officers who respond will record details about the events of the crash, including factors you might not know or remember are important when you are the one who has been injured. If you are injured seriously enough that you are unconscious or even immediately whisked away from the scene, you will want a record of what the police observed. After your accident, the police will file the crash report with the Texas Department of Transportation (TxDOT), which you will need for insurance or your lawsuit.
These police reports can serve as a starting point to help your lawyer investigate your accident, such as helping to compile a witness list to fill in any gaps in the crash report. Your lawyer may even find value in comparing the forensic evidence to witness statements or the report itself. In some cases, the police report may be used to make initial determinations about fault that may not tell the whole story, but with the use of “black boxes” in many vehicles today, the police report can be a tool in helping your lawyer know what to look for.
Regardless of whether more evidence is needed to tell a whole story, having police on the scene as reliable witnesses is essential to investigating your case. Knowing which direction a driver was coming from in a car accident can help attorneys know which camera footage to request, for example. Should you end up embroiled in a heated lawsuit against an insurance company that refuses to take responsibility, any bit of information you have about your accident can provide an experienced and knowledgeable law firm the tools they need to dig into what really happened, who and how many people are responsible, and how to maximize your financial recovery.
Tip #3: Call a Lawyer
When in doubt, when you have gone to any pressing necessities you ought to consistently call a lawyer, even prior to calling your insurance agency to report a fender bender. Many individuals are humiliated to call a lawyer, or they may not know what data they might actually need to give so not long after an accident, yet you need to believe that lawyers know what to ask you.
All the more critically, you are likely not summoning a lawyer right since you are documenting a claim the day after your physical issue. You are calling a lawyer since you reserve an option to shield yourself from savage protection agents. A lawyer can give you some particular data concerning how to explore the following stages that best ensure your privileges.
Your first call with an inspired lawyer pushing for you will fundamentally be instructive — a chance for you to get what choices are accessible to you, how your protection strategy affects your accident, what special laborers’ comp or OSHA guidelines may be important to comprehend — and to set you up for the strategies that are unavoidably going to come from the insurance agency.
Tip #4: Document Everything
Truly, everything. Besides a story of the actual accident, try to archive every expense, correspondence, or detail connected with your case. That implies that you ought to be;
Taking photos of your wounds consistently.
Keeping each receipt connected with your consideration or the consideration of a perished cherished one’s family or bequest.
Making note of each call, visit, or email with insurance agencies, specialists, auto shops, or any other person you are managing.
Logging your indications, regardless of whether you don’t know what they mean yet
At the point when you are harmed, you frequently need assistance really focusing on yourself or dealing with regular obligations, and the expenses can add up rapidly. Assuming you are utilizing a basic food item conveyance administration since you can’t get to the store, keep the receipts. Assuming you are employing individuals to clean your home or trim your grass, keep receipts. In the event that you need to recruit somebody to assist you with really focusing on your youngsters or even your very own requirements in light of serious injury, you should keep documentation of those expenses. While most cases are not high worth in the genuine, substantial costs that are related to wounds, the noneconomic worth of your case is regularly founded on what your life resembles because of your wounds, which can be confirmed in this sort of documentation.
It is hard to comprehend the extent of your wounds and their effect when you are encountering them right now, however, when you, your lawyer, or master observers glance back at your documentation, all that will meet up in a more clear picture. Assuming you wind up expecting to demonstrate that your insurance agency acted falsely, you will not have the option to do it without documentation of precisely what was conveyed to you and when.
Tip #5: Don’t Admit Fault
It’s nearly antique, yet it’s valid. There aren’t anything insurance agencies like more than to utilize casualties’ own words against them. Assuming you are in a fender bender, you will be lawfully committed to reporting your accident to your own insurance agency, however, you don’t need to give an assertion to the next gatherings’ organization. Assuming that you have been harmed in a work environment accident, you will be approached to give a recorded assertion to your manager’s laborers’ comp insurance agency, on the off chance that they have inclusion.
Protection agents are regularly prepared to pose inquiries so that either makes you sound answerable for what occurred or may even reason you to question yourself. It’s reasonable that you will feel befuddled, questionable, and conceivably even liable with regards to what occurred, particularly assuming others were harmed. That doesn’t make you undeserving of reasonable treatment, however, it probably makes you a humane, sympathetic individual. Tragically, those positive personal characteristics may be taken advantage of as shortcomings in the event that you wind up addressing a deceitful insurance agency specialist.
Tip #6: Always Be Honest
The not conceding issue, regardless of whether you figure it very well might be your shortcoming, isn’t equivalent to concealing realities or concealing your activities or those of others. Recall that you are just one piece of the examination that will occur, and keeping in mind that various individuals experienced various renditions of a similar occasion, it will be clear assuming you are endeavoring to move fault onto or away from yourself or another person.
Part of talking with a lawyer prior to giving proclamations to insurance agencies is to assist you with resting easy thinking about clearing the air regarding what occurred. Regardless of whether your activities, somehow or another, add to your physical issue, that doesn’t imply that you are ineligible for monetary recuperation. Indeed. Texas law even records for the way that circumstances, remembering ones for which individuals are harmed, are mind-boggling. Texas is the thing that’s known as a near carelessness state, which implies that beyond what one party can be tracked down liable for what befell you, including yourself. However long you are not in excess of 51% answerable for your physical issue, you actually can record a case against one more party in a claim, particularly on the off chance that your accident surpasses your protection strategy limits.