What Are the Common Mistakes People Make When Filing a Car Accident Claim?

Car Accident Insurance Claim Mistakes

Filing car accident claims can be a complex process, especially when emotions are running high and injuries or damages are involved.

Unfortunately, many people make common mistakes during the claims process that can severely impact their ability to receive fair compensation.

Failing to Report the Accident Immediately

One of the most critical mistakes people make after a car accident is failing to report the incident to the police and their insurance company promptly. Even if the accident seems minor, filing a report is essential. Police reports are official records and can provide crucial evidence if disputes arise later. Insurance companies often require prompt notification of an accident to begin the claims process. Delaying this step can raise suspicions and potentially result in a denial of your claim.

Admitting Fault at the Scene

Emotions can run high after an accident, leading people to make hasty statements like admitting fault. Admitting fault, even informally, can be used against you in the claims process, significantly reducing or eliminating your compensation. Instead, stick to the facts when speaking to the police, the other driver, or witnesses, and let the investigation determine liability.

Neglecting to Gather Evidence

Evidence is critical for supporting a car accident claim. Failing to gather evidence at the scene can weaken your case. Immediately after an accident, take photographs of the vehicles involved, the accident scene, road conditions, traffic signs, and any visible injuries. Collect contact information from witnesses and take note of anything that might have contributed to the accident, such as poor road conditions or obscured traffic signals. This evidence is useful when negotiating with insurance companies or in court.

Not Seeking Medical Attention Immediately

Even if you feel fine after an accident, seeking medical attention as soon as possible is essential. Some injuries do not have symptoms that are immediately noticeable but can become serious if not treated. Also, medical records provide critical documentation of your injuries, which is necessary for your claim. Seeking medical attention promptly reduces the chance that insurance companies may claim that injuries are not the result of the accident or as severe as you claim

Delaying Legal Advice

Another common mistake is waiting too long to seek legal advice after a car accident. Many people assume they can handle the claims process on their own, but insurance companies have teams of lawyers working to reduce payouts. Consulting with a personal injury attorney early in the process can help protect your rights, ensure you understand the full value of your claim, and prevent costly mistakes.

Accepting the First Settlement Offer

Insurance companies offer low settlements hoping they will be accepted without question. Accepting the first offer is a common mistake that can leave you under-compensated for injuries and damages. You have the right to negotiate a settlement, and it’s often advisable. Before accepting any offer, consult with a personal injury attorney to evaluate whether the offer is fair and covers all expenses, including future medical costs and lost wages.

Miscommunication or Dishonesty with Your Insurance Company

Honesty and clear communication with your insurance company is crucial. Providing false information, exaggerating your injuries, or omitting important details can harm your case. Insurance adjusters are trained to investigate claims thoroughly, and any discrepancies in your story can result in a denial of your claim or accusations of fraud. Always provide accurate and consistent information to your insurance company.

Not Keeping Detailed Records

Proper documentation is vital in the car accident claims process. Failing to keep detailed records of expenses related to the accident, including lost wages, medical bills, repair costs, and any other out-of-pocket expenses, can result in an inadequate settlement. Keep records of communications with insurance companies that include emails, letters, and notes from phone calls. This documentation supports your claim and ensures you receive the compensation you deserve.

Posting About the Accident on Social Media

In today’s digital age, sharing aspects of your life on social media is tempting, but doing so after a car accident can be a big mistake.

Insurance companies and opposing legal teams may monitor your social media accounts for any information they can use to undermine your claim. The best practice is to avoid posting anything related to the accident on social media until your claim is resolved.

Failing to Understand the Statute of Limitations

The statute of limitations sets a deadline for filing a car accident lawsuit. Not filing a claim within this time period can result in the loss of your right to seek compensation. It’s essential to be aware of your state’s statute of limitations and act in a manner to protect your legal rights. An attorney can help you understand the timeline for your case and ensure all necessary paperwork is filed on time.

Overlooking Future Damages

When filing a car accident claim, consider your current expenses and any future damages that may arise. This includes ongoing medical treatment, future lost wages if you cannot return to work, and long-term effects of your injuries. Many people make the mistake of settling too quickly without considering these future costs. A personal injury attorney can help you determine the extent of all damages and ensure that any settlement covers all potential future losses.

Injured in a Car Accident? Get the Compensation You Deserve!

If you’ve been involved in a car accident, you need an experienced legal team to fight for your rights and ensure you get the compensation you deserve. Insurance companies will try to minimize your claim, but with the help of Gibson & Hughes, you won’t have to settle for less.