You never know when you will be involved in a serious car accident. Poor weather conditions, construction zones, or reckless drivers can cause you and those you love to be involved in a serious collision and leave you suffering from severe injuries — and very high medical bills. Worse yet, the healing process after an accident can keep you out of work for weeks or months.
After an accident, you might think it would be easy to get a fair payout from an insurance company — and it should be — but, all too often, insurance firms can be stubborn and cause you even more stress. For help recovering compensation, call a car accident lawyer in Coral Springs at Coffey Trial Law: 954-541-3194.
What to Do After Your Car Accident
Get Medical Attention
The first and most important thing to remember after being involved in a car accident is to get necessary medical attention for you and everyone else involved.
It is smart to call an ambulance to the scene or go to the doctor immediately afterward as car accidents can cause anything from broken bones to spinal cord injuries to brain damage.
Report the Accident
Once you have gone to the doctor, report the accident to your insurer. Even though you are speaking with your insurer, who should be on your side, be careful what you say. Do not lessen your injuries or give away too much information. Even just saying, “I’m okay” can lessen your settlement greatly.
Because Florida is a no-fault state, you will rely on your insurance first to cover your injuries. Sometimes your personal injury protection (PIP) insurance will cover everything. However, this is rarely the case in more serious accidents.
Note: You must visit a doctor within 14 days to be eligible to file a PIP claim.
File a Claim with the Other Insurer
If your injuries are serious and/or exceed the limits of your PIP policy, you may be able to file a claim with the other driver’s insurer. This is where many injured victims make mistakes that can cost them their claim.
When filing a claim with the at-fault driver’s insurer, people rarely think of how aggressively the insurer will be fighting against their claim. The insurance adjuster will likely try to convince you to agree to a recorded statement so the he or she can use your “confessions” against you.
You are probably sitting there thinking that you would never admit fault for something you did not do, but here’s the thing: you do not have to. The insurance adjuster can use something as innocent as you apologizing for the accident as an admission of fault.
Before speaking with the other driver’s insurer, speak with a Coral Springs car accident lawyer. We will ensure that you do not say anything that could reduce or jeopardize your settlement.
What do I need to do to win my claim?
To win your claim and to recover compensation from the insurer, you must be able to prove the other driver was at fault. This is why the insurer will work so hard to discredit your version of the story and pin the blame on you. You can fight this by gathering as much evidence as possible, such as:
- Photos of the accident scene and your injuries
- Police reports
- Surveillance video of the accident
- Eyewitness testimony
- Expert witness testimony
We regularly work with experts, such as accident reconstructionists, who will be able to determine how the accident occurred and, therefore, help us establish fault.
Once we have built a solid case, we will put a value on your case and issue our settlement demand. If the insurer refuses to offer you what you deserve, we will fight to get you an adequate settlement.
If all else fails, we will use our two decades of experience and lengthy track record to fight for your case in court.
Important Information to Remember After Your Accident
We want to stress that it is important that you never settle for an offer that is less than what you deserve after an accident. While your first inclination might be to accept that offer, this is not a good idea. Chances are, you have not finished treatment for your injuries and might have unforeseen complications.
We have seen it time and time again, large insurance firms trick and bully vulnerable accident victims into accepting less than they need because they fear they will not receive another settlement.
We will not let this happen to you. Our team will ensure that you file a strong case and that the insurer gives you what you need. We will ensure that it offers you compensation not just for your medical bills and your lost wages, but for all future medical bills, any lost earning capacity, and any pain and suffering you have endured.
It is also vital that you do not wait too long to file a claim or lawsuit. Florida State statutes expressly state that the statute of limitations for drivers involved in auto accidents is four years.
That means you have no more than four years from the time of your accident to file suit and get compensation to help you recover.
Call Us to Schedule a Free Consultation Today
Whether or not your PIP insurance covers all of your injuries, you still may need or deserve more money to help cover other expenses you have.
This could mean paying to have your vehicle repaired, paying for a rental car to get around, lost wages while you recover, or the intense pain and suffering you must endure.
Dealing with all of this on top of your injures can be a nightmare. That is why you should have legal help on your side.
An attorney from Coffey Trial Law can guide you through the process of filing a claim and can help fight stubborn insurance firms on your behalf to make sure that you do not get taken advantage of.
Call us today to schedule a free consultation and to learn more about your legal options for compensation: 954-541-3194.