You will see a lot of blogs from seasoned plaintiff’s personal injury lawyers telling potential claimants what to do if they become involved in an automobile accident, and I will review those steps in my own blog in the not too distant future. This blog, however, is dedicated to informing the public of what not to do.
If you’ve been in an vehicular accident, and you’re not at fault, it’s very important that you not personally contact the adverse party’s insurance carrier. Your initial instincts will be to call the carrier right away, and make sure there is coverage. That’s a mistake, that could cost you. Let me explain. When you call the adverse carrier, they will invariably explain that they need a (typically recorded) statement from as to the facts of the accident, in order to honor your claim; that is nonsense. What they’re really looking to do is ask you, as soon after the accident as possible, about your injuries. Remember, it often takes a day or more before you start feeling pain after an accident. Don’t fall for the insurer’s trap. Provide no statement. Let your attorney contact the carrier and report the claim on your behalf. Do not worry if the adverse party has coverage or not. Even if they don’t, as long as you were insured, you are going to be covered for the loss.
If you’re ever unsure about what to do, call or email me. I’m always happy to guide you.