Chances are you or a loved one will be in a car accident unfortunately. When this happens most are unprepared and are sucked along the roller coaster ride of what needs to done when. In the maelstrom people don’t find out what their rights are, what forms of assistance they have access to and what steps they need to take to protect themselves or their loved ones. The first action is to stay calm, call the police and if an ambulance is offered take it. As the shock of the situation may not allow you to feels injuries yet.
As time goes on cover the following:
Contact your insurance company and apply for accident benefits. Regardless of who is at fault in the accident the insurance company has an obligation to provide you with accident benefits. You must contact your insurance company within seven days of the accident and apply for benefits within 30 days. If you were injured while a passenger whether it is under your own policy or not, you can still claim accident benefits under the policy of the other person. Again, do not refuse medical treatment at the scene of the accident.
If you are discharged be proactive in your recovery and see your doctor.
If you hit your head in the accident or lost consciousness take any headaches, memory loss or other cognitive changes very seriously and seek medical attention immediately. Some brain injuries do not manifest themselves for days. Usually a neuropsychologist can determine whether you have sustained a brain injury. The accident benefits insurer should pay for urgent medical evaluations, such as neuropsychological testing or MRI.
As soon as possible contact the insurance company of any other vehicle that caused or were part of the accident. Within 120 days of your accident, you must notify these individuals, in writing, and advise them that you have been injured and that you intend to pursue a claim for compensation against them.
If you did not exchange insurance information at the time of the accident the insurance name and policy number will be on the police report. Send the letters by registered mail and keep a copy for yourself. If you receive a letter from someone who has been injured, send it to your insurance company immediately. Know your rights to compensation and be aware of any statute of limitations in filing. If you feel it is necessary to claim compensation for damages from those responsible you can file a lawsuit seeking damages for “pain and suffering” or “lost income” that will be paid by the individual’s auto insurance company.
The long and twisted road through the insurance maze can be overwhelming. By now the importance of having auto insurance should be made clear. They are there to help you when you have been in an accident, but are not always helpful in assisting you get what you paid for and is rightfully yours. If you feel powerless or confused consider hiring someone who can aid you in the process. Attorneys have experience and know the system and can bring you relief quicker.