No one prepares for a car accident, but accidents are a common everyday occurrence. According to the National Highway Traffic Administration, car accidents occur every minute of the day, and over five million driving related accidents take place each year. While no one wants to think about getting in a car accident, it is something you should at least mentally anticipate. It is important to be prepared, and to know what to do should an accident occur.
If you are involved in a car accident, first check to make sure everyone in your vehicle is okay and able to respond. Next, pull your vehicle over to a safe spot on the side of the road, out of the way of traffic. If it is a possibility, it is very important to move the wreckage out of the way of traffic. An associate clerked for a personal injury firm during law school, and a surprising number of severe accidents resulted from vehicles running into other vehicles that were stopped, due to already having been involved in an accident. Moving your vehicle and your passengers to a place away from traffic is important, for your safety and for the safety of others. It is also important to stay at the scene of the accident; fleeing the scene prematurely or without stopping could cause you to be charged with a misdemeanor or even a felony, depending on the severity of the crash.
Once you and your passengers are safe from oncoming traffic, call the police. The police should be called to the scene of every car accident, even if the accident is only minor in nature. The police will document the accident and create a crash report, which will officially document who was at fault, the extent of the damage, and other important information. Depending on the nature of the accident, police may cite the individual who caused the accident. Having the police present will help to keep the parties involved responsible and will create credibility should the accident become the subject of litigation.
After the police have been called, it is important to contact your insurance company, as well as the other driver(s) insurance company(ies). Keeping insurance companies informed is important and will allow for a speedy recovery in terms of property damage. Your insurance company should provide you a list of body shops from whom they accept estimates. Your insurance company may also provide a rental car. If another driver was at fault, your insurer will recover these costs from that driver’s insurance carrier.
If you were hurt in the accident, seek medical treatment. Going to the emergency room, or to your family physician is always a good idea, even if you’re not sure the severity of your injuries. Be sure to keep track of your medical treatment; keeping a journal of your medical visits and your diagnoses can prove useful. Medical providers can give you itemized copies of all bills and records, which will save time and expense later, if you need to hire an attorney who would otherwise need to send requests and submit authorizations.
If you believe that you or anyone in your vehicle was hurt in the accident, even if you were at fault, contact an attorney. The sooner you contact an attorney the better. We’ve handled cases where clients waited months, or even a year to contact an attorney, significantly decreasing their settlement offer. While Ohio has a two-year statute of limitation to file a lawsuit concerning a car accident, three neighboring states, including Kentucky, have only a one-year statute of limitation. Be sure to check the law in your state for the relevant statute of limitation.
If you decide to hire an attorney, you should be prepared to pay a contingency fee of between one-third and forty-percent of any settlement or award, plus expenses. You should not owe any fee if your attorney fails to recover from the defendant(s). After hiring an attorney, you’ll need to participate in your case, though your primary job is only to get better.
Most personal injury cases do not go to litigation; in fact the vast majority of car accident cases are settled through negotiations between an attorney and the insurance company. A good attorney and a smart insurance adjuster will know what a case is worth, and will be able reach an agreement as to a fair resolution. Being prudent after an accident, and timely consulting with an attorney, will go a long way to making you whole again.
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