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25 Things to Do After You’ve Been Hurt in an Accident

Toy cars crash accident simulation with red and blue carA lot is at stake after an accident. As such, there’s a lot to do if you want to protect yourself. We’ve put together a quick list to get you started, but it is by no means comprehensive.

A NC car accident attorney may be able to help with many of these items.

  1. Gather information from multiple sources – names, numbers, statements, records of everyone on the scene, especially driver, police officers, witnesses, EMT personnel, if you can. Get the other driver’s insurance information.
  2. Deal with the insurance adjuster, who will ask questions about the accident and your injuries. He/she may insist on a statement. Make sure you know what to say and what not to say
  3. Get medical attention for any injuries and symptoms. Go to all appointments. Follow doctors’ orders.
  4. Figure out who is paying for your treatment, or will be expected to.
  5. Be aware of liens the hospital/medical provider may immediately ask you to sign if you don’t have health insurance.
  6. Obtain, keep track of all medical records – diagnoses, tests, bills – physicians, hospitals, clinics, ER and EMT.
  7. Use your health insurance for all its coverages. Handle all those details carefully and promptly. Keep all records.
  8. Take photos of the scene right at the time of accident and after. Take photos of all vehicles involved, especially your own, while they are at the scene. Photograph skid marks.
  9. Obtain the police report.
  10. Find out all the details of your auto insurance policies. Everything. Read the policy’s “summary booklet.”
  11. Find out all the details of the at-fault driver’s insurance policy.
  12. Determine if uninsured or underinsured motorist coverage is going to be a factor
  13. Research whether you can utilize another family/household member’s policy.
  14. If you have to take time off from work due to injury – or you lose your job, keep track of all records and lost wages dealing with employment that are given to you or sent by employer. Handle any possible appeals of the employer’s decision to terminate.
  15. Save all evidence in and around your car at the scene…pieces of your car or theirs.
  16. Check to see if MedPay is available.
  17. Document & copy all reimbursements received from insurance company for any expense.
  18. Where is your car? Who’s paying for storage? Would your collision coverage pay for that after it leaves a tow lot?
  19. Keep a journal – on everything insurance company, doctors, police officers, witnesses say. Track your healing progress (including how you are feeling) or lack of progress in writing and in periodic photos, if injuries are visible. Record what you do related to the accident.
  20. Get the car independently appraised. If you get repairs, have damage/problems/repairs documented by mechanic.
  21. Keep a log of your driving or other expenses to get to and from doctors.
  22. Have you made arrangements with the appropriate parties to make sure your rent or mortgage is paid?
  23. Prepare for your own formal negotiations with the insurance company, if you feel they give you the opportunity. The insurance company is interested in keeping its costs down. Know all the traps you may face.
  24. Make sure you fully understand all of the legal/financial aspects of any settlement offer, for the short and long term.
  25. Assess whether a given settlement offer accounts for your future medical needs.

And these are just 25 actions you may need to take after an accident – there could be dozens more items to get done.

For a free evaluation of your case, call the Law Offices of James Scott Farrin 24/7 at 1-866-900-7078 or contact us online.