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Posts tagged "accident"

Why it is important to not give statements to insurance adjusters in an automobile accident where there is a question as to who is responsible for fault in a case?

Whenever you are involved in an accident either as a driver or a passenger, one of the first things that generally happens is you will receive a phone call from either your insurance company or the insurance company of the other driver involved in the accident. They will want to ask you some questions about the circumstances of the accident and record the conversation. By law, they have to tell you they are recording you and you have to consent to such a recording. You have no legal obligation to give a statement to the other driver's insurance. Generally, these are questions start with questions regarding your background, including where you live, your contact information, and if you sought any medical care after the accident. However, in most circumstances shortly thereafter they will then begin to dig into your prior medical history and the circumstances of the accident. They ask these questions in order to use that information to potentially try to decline all or part of your claim in the future. They also use these statement to try to limit the number of body parts that you believe were injured in the accident as they commonly deny medical treatment for body parts not mentioned in the initial medical treatment or recorded statement with the insurance company. 

Don't Wait to Seek Treatment

For the average individual involved in an automobile accident, there are undoubtedly a million things rapidly spinning through your mind immediately following the collision. The last thing is usually "how can I bolster my lawsuit." Unless an individual is catastrophically injured such as sustaining broken bones or an impact that results in loss of consciousness, enough adrenaline is usually pumping through your bloodstream, which helps you to deal with the emergency, to get you through the next couple of days. Consequently, you may not feel any pain immediately. Furthermore, many soft-tissue injuries such as neck or low-back strains, may not begin to show symptoms for days, even weeks, following your accident.

Why it is important to examine your insurance policy prior to an automobile accident

Many people have seen the commercials on TV that indicate obtaining state mandated insurance through some unknown company or advertisements for SR-22 Insurance. Many people on the road today are traveling down the road with this type of insurance which we generally refer to as 'sub-standard' insurance. The state minimum requirement for liability at-fault insurance is currently $25,000.00 per person and $50,000.00 per total accident. What this means is that if you are injured by the negligence of someone else, that the other driver must carry at least $25,000.00 for injury to 1 person and $50,000.00 of insurance for injury to as many people that are in the vehicle or vehicles. This type of insurance coverage is mandated by state law.

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