Every day, routine fender benders occur. In fact, says one auto accident lawyer merrillville in hasn’t seen a high number of vehicular injuries, however, surrounding areas see negligent cases all the time. Unfortunately, most common claims with less serious injuries often are settled prematurely for a fraction of what they’re worth. Why? Because victims are rushed to settlement by claims adjusters.
Experts say claims adjusters are very familiar with the claims process and has been trained in the law and negotiating techniques. Big well-known insurance carriers have at their disposal the finest attorneys. An injured motorist, untrained in the law and negotiating techniques, or the claims process is operating on an uneven playing field. In many cases, a motorist will be offered, what they deem to be a nice settlement, in return for signing off on any future lawsuits. Experts say resist settling claims early.
How To Proceed After The Accident
1. If the accident was investigated by law enforcement, get a copy of the accident report. Generally, the law enforcement agency where the accident occurred will have investigated the accident and prepared a report. Any extra effort put forth to obtain the accident report will be worth the trouble because these reports are usually full of information and leads.
Typically, the police will collect name, telephone number, address and driver’s license information, including any restrictions tied to it. Also, identification of the owner of the vehicle, any passengers, and any relevant data should be included in the report. Useful information is also included concerning seating positions, whether a safety device, like seat beats were used, and road and weather conditions. This can be vital, especially if speed was an issue.
2. You should take any photographs to document damage to the vehicle. Plan to share several of these photographs with the insurance company when settling the claim.
Do not rule out there is vehicle damage that is not apparent to the naked eye. Have a mechanic inspect the under carriage for damage to the frame that is not observable in photographs. A professional will check the mechanical functions and take notes to document their opinion of the condition, prior to the accident.
3. If the party who caused the accident received a traffic complaint, track the course of any court proceedings involving the citation. If liability is clear, usually the responsible party will simply pay the fine and plead guilty or otherwise accept responsibility for the violation. Get evidence concerning the disposition of the traffic complaint from the court. If the cited party challenges the traffic complaint, plan to attend the hearing and find out what is said under oath.
Should You Sue Or Just Walk Away?
Believe it or not, many auto accident victims fail to assert a claim. But you have to wonder about any future medical problems you may endure. Not to mention, your auto insurance policy may not cover all the damage, leaving you with out-of-pocket costs. Consider all the possible concerns about your recovery, and it’s always wise to consult an attorney to get a professional perspective on your case before coming to a final decision.