Auto accident injury claims can be very stressful. It's almost as
though some insurance companies want to add insult to injury (no pun
Of course, I know that we're living in a society where some people will try to take advantage of the system and make false injury claims, where no injury really existed.
Sadly, this affects all of us who pay for car insurance and have to file a genuine car crash claim.
This behavior often causes insurance companies and their auto claims adjusters to look at our claim with a jaundiced eye, thinking we are trying to get something we don't deserve.
Yes, it's unfair, but it's a fact of life that we must recognize and be
able to counter by arming ourselves with the knowledge and confidence to
present our car cash claim successfully.
The first step in achieving satisfactory auto accident injury claims begins at the scene of the accident.
Understand the importance of getting an accurate accident auto insurance report and all the important details to record right at the scene while you can.
Secondly, familiarize yourself with the steps in filing car insurance claims so that you'll be sure that you've got all your ducks in a row when you file.
You want to be sure that you keep detailed and accurate records of everything that happens from the moment of the accident onward, particularly when injuries are involved.
It's important that you keep track of all doctors visits, bills, even a
pain diary. These things will work in your favor to show both the
financial loss and the extent of your injuries.
From the time the accident occurs, don't make any comments about your guilt in causing the accident. Don't say, "I'm so sorry" or anything like that.
That seems terribly callous to me, and I'd have a very hard time not doing so myself if I felt I was partially to blame. However, these comments can be used against you to lessen the amount of compensation you receive. If you are found to be at least partially at fault (referred to as "comparative fault"), you can receive much less for your claim, or perhaps nothing at all. It's a big risk to take.
So, don't say anything that can indicate fault to the other driver, the police, or the insurance company/adjuster. Even if you were partially to blame, it's not your job to incriminate yourself. ;)
Another important point to keep in mind is to NOT say you are fine, either at the scene or later. You don't KNOW that you are fine because many injuries don't show up until several days or even weeks later.
If you make a statement that you have no injuries and then find out some weeks later that you do, too late! It will be nearly impossible to get compensation for that injury. It's better to say that you don't know if you're injured yet, but that you will see a doctor if you start to experience difficulties and let them know later.
These are just some of the basic tips that help make auto accident injury claims less trying and increase your chances of getting a fair result. I hope you find them helpful.