So, you were in an auto accident, now what do you do? Whether your fault or not, you will be dealing with the insurance company. To make sure you receive fair compensation to cover all related expenses and losses, here are a few important tips:
1. Call the police immediately even if the accident is minor. Filing a police report will help establish the facts and determine liability.
2. Exchange contact information with the other driver and witnesses. Most cell phones have cameras, so take photos of the scene of the accident – vehicle positions, body damage, skid marks, etc. Even if the police take photos and contact information, have your own records.
3. Even minor fender benders can cause pain and injuries, so it is important to seek medical attention. Sometimes it may take days or weeks for injuries to manifest themselves. A visit to the doctor or hospital will help document your injuries and begin any necessary treatment as soon as possible.
4. Don’t make statements too soon. Give yourself some time to determine injuries, property damage, and other losses first.
5. Seek legal representation as soon as possible. An auto accident attorney can explain your rights, help you avoid legal mistakes that can weaken your case, help determine liability, deal with the insurance companies, and help you get a fair settlement. Having an attorney is especially a good idea when injury or loss of income is involved in the claim.
6. Contact with your insurance company should be made to protect your rights; it is my opinion that you should retain an attorney before you contact your carrier. Insurance companies are not your friends. They are not "a good neighbor", you are not "in good hands", you will not get "fast, fair or friendly service". You will get "delay, deny, confuse, refuse"; you will get frustrated and anxious to resolve matters. They will take advantage of you.
Retain an attorney and let him/her file the claim and deal with the insurance company. If you need immediate cash, you may qualify for a small lawsuit cash advance. Don’t negotiate with the insurance company without a lawyer. Once you have retained counsel, he/she should contact the insurance company, as soon as possible, to ensure that you have made your claim for injury or damage.
Lawsuit Financial is a pro-justice lawsuit funding company that assists plaintiffs with financial issues in an effort to buy time for their attorney to get fair value for their case. You may be entitled to damages to your vehicle, medical expenses, property damage, loss of income, and pain and suffering. It is important to be patient. If you seek a quick settlement, chances are you will not get fair and full compensation. These cases typically take one to three years to settle. We understand that one to three years can be a long time if the bills are piling up, the mortgage needs to be paid, and you are out of work due to injuries. Legal finance services prevent you from letting your financial worries control your settlement decision.
Attorney, certified civil mediator, and award-winning author of the Zachary Blake Betrayal Series—Mark Bello is also the CEO of Lawsuit Financial and the country’s leading expert in providing non-recourse lawsuit funding to plaintiffs involved in pending litigation. He is also a member of the State Bar of Michigan, a sustaining member of the Michigan Association for Justice, and a member of the American Association for Justice.