About You...

You have just been in a serious accident, and you are experiencing many different types of pain symptoms to your body. You thought it would go way in a day or two, but it is still there. You are finding it hard to think let alone concentrate on the matters of daily life. On top of that, you now have the insurance company calling you and sending letters to you pressing you for more information.

WHAT SHOULD I DO AFTER AN AUTO CRASH?

Stay calm. When safe to do so, do not move your car. Make sure the police and medical help are on the way.

If there be any doubt, take an ambulance. Go to a Hospital Emergency Room and report all of your known injuries and pain symptoms, and receive medical care.

Do not give any oral or written statement to an insurance company before consulting with an attorney. Consult with an attorney on all legal issues of property and bodily injury.

You should immediately be seeing a medical expert and an attorney to help navigate you through this storm. The amazing thing that is happening is the insurance company will leave you with the impression that you should be apologizing to them for what their insured did to you.

Let there be no doubt about it, whether you are dealing with someone else’s insurance company or your own insurance company, they are not your friend. Even if the adjuster you are talking to appears to be friendly and sympathetic, the insurance company has already set in place rules and policies that are against your interests. Oftentimes, the insurance company uses computer programs to decide whether you will receive little or no recovery.

These insurance computer programs we often refer to as the "COLO SS and US". What this means is two people that may have similar auto crash facts and similar injuries may see extremely different results without the assistance of knowledgeable legal representation. Make no mistake, the insurance company at the very start wants to reduce the amount of your property claim incorrectly reasoning that the lower your property damage, the less likely it is that you will be able to convince anyone you are hurt. In fact, some insurance companies take the position that if your property damages are $1,000 or less, their policy is to totally deny your bodily injury claim.

It should also be kept in mind that you have an obligation under the law to mitigate your damages. Simply put, this means that the law expects you to take reasonable steps to seek and receive medical treatment to improve your condition. Whether you are dealing with an insurance company that is "polite and courteous" or "bad hands" or even "Satan’s friends," you need to take steps to insure fairness and justice. You should consult with an attorney immediately.

 

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