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What To Do and Not To Do When You Are In An Accident

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What To Do and Not To Do When You Are In An Accident Powered By Docstoc
					 What To Do and Not To Do
When You Are In An Accident
“I think I need a lawyer” Dianna says, as
                       office. I
 she has a seat in my office “I was
 driving down the highway when a car
 suddenly swerved into my lane.”
          y                y
Taking up my pen and pad I begin to
 make notes of the meeting. “Do y
                            g      you
 have a police report?” I ask, noticing the
 folder in her hand.
“No” we agreed not to call them to the
 scene,      replies. She
 scene ” she replies “She was a very nice
 lady and she had two kids in the car and
 said she knew it was her fault but she
 had insurance,” Dianna continued. “So
 we just exchanged our information.”
“Ok, may I see the card?”
“I have a policy number and a phone
                   adjuster s name.
 number and an adjuster’s name He is
 very rude,” she adds. “He told me that
 his client now says that I swerved into
                    y
 her lane so he is denying the claim.”
                          g
“Your case is a swearing match, then,” I
 reply as I roll my eyes as if I have heard
 this story all too many times. Dropping
           “D        h              it
 my pen, “Do you have any eyewitnesses
 who can confirm your story?”
“No, I was alone,” says Dianna in a tone
 reminiscent of a child giving his parents
 an answer he knows they are not going
 to like. “I didn’t think I was hurt
 seriously at the time, so I didn’t want to
 mess up her insurance rates.”
I lean back in my chair and sigh. “I am
 afraid that there is little I can do to help
 you.” ”
Unfortunately, Dianna’s case in not
 uncommon.
 uncommon The Good Samaritan agrees
 not to report the incident and when they
 go to report the claim, they find the
 g        p             ,    y
 negligent driver’s story has changed, or
 the insurance has expired, or the
                               f
 company has never heard of the person,
 or the car is stolen.
            i         id t       h ld d
If you are in an accident, you should do
 the following:
1) Check for injuries. If you suspect any
 injury,                   immediately.
 injury get checked out immediately
 Some injuries, such as a whiplash injury,
 may not seem like a serious injury until
     y                           j y
 the next day, when the swelling sets in
 and the pain is very pronounced.
If you have told everyone at the scene
 that you are “not injured” rest assured
 the insurance company will parrot th t
 th i                        ill   t that
 statement back to you and a jury to try
          responsibility.
 to avoid responsibility
2) If the vehicles are blocking traffic and
                 moved          them It s
 can be safely moved, move them. It’s
 the law.
3) Make sure you are off the roadway
 and in a safe area. Many accidents occur
 because someone swerves onto a
 shoulder and hits a person or vehicle that
 is sitting there. Get as far from the
     d                         ki
 roadway as you can. A parking l t ilot is
 idea.
4) Call the police and insist on a
 report.                       injuries,
 report Even if there are no injuries you
 need a report.

We see people change their story of what
 happened all the time when there is no
 report to document it.
Sometimes the officer’s will get lazy and
                               one.
 tell you that you do not need one Insist
 on it. He is not the one who will have to
 fight the insurance companies over who
   g                      p
 is at fault.

If he continues to refuse, ask for his
 supervisor’s name and phone number
 and report it to him.
5) If you have a camera phone, take
                      damage
 good pictures of the damage, and any
 skid marks. Always be sure you are
 doing this from a safe distance from
      g
 traffic. Scene photos can also be helpful
 in understanding the layout of the roads.
6) Make sure you have the officer’s
 contact information and the other
 driver’s contact and insurance
 d i    ’    t t    di
 information before you leave the scene.
7) Report the accident to your own
 insurance company and find out what
 kind of coverage you have available in
 case you need it.
      y
8) Do not give a recorded statement to
 the other driver’s insurance company
                                   p y
 without seeking the advice of a car
 accident lawyer first. Their adjusters are
 trained i h    t t i k       i t    i
 t i d in how to trick you into saying
 things that can be used against you.
9) Hire an attorney to represent your
 interests immediately if any of the
 following is true:
a) Liability is disputed in any way or
 contributing factors are placed upon you
 in the police report,
        p         p
b) You have any injuries that require
         care,
 medical care
c) You are unfamiliar with the insurance
                                 have,
 company the person claims to have or;
d) The other insurance company requests
 a statement.
Documenting both the accident and the
                important
 injury is very important. Insurance
 companies will look for any excuse to
 fight or even deny your claim.
   g               yy

Gaps in treatment, not seeking
 immediate care, not complaining of
 injury at the scene—these are all things
 that insurance companies look for to use
 as a way to avoid responsibility.
 If you have any question or concern,
 you should call a car accident lawyer
 immediately to get advice.
Find the best personal injury attorney:
Get the best Allentown personal injury
 lawyer here:



http://www.snyderwileslaw.com

				
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posted:11/26/2012
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Description: I think I need a lawyer� Dianna says, as she has a seat in my office.�I was driving down the highway when a car suddenly swerved into my lane.