In 2018, there were about 112,000 car accidents with injuries in the United States. Despite progress in motor vehicle safety in recent years, car accidents remain a pervasive problem.
If you are injured in a truck accident, you may need to apply for insurance. However, handling such a claim can be time consuming and complicated, especially if you have never gone through the process before.
If you are wondering where to start, don’t look any further. Read on to learn the four secrets you need to know to help you maximize your car accident insurance claim.
Secret 1: The location of the accident is critical
The protocols immediately after a truck accident are among the most important in the whole insurance claim process.
The place of the accident is often the hotspot for evidence. Key evidence at the scene will include:
Scene photographs and any damage;
Witness statements; I
Identification of information from other parties involved.
If you wait too long after the accident, some of this information may no longer exist or will be difficult to obtain. For example, property damage may be repaired and witnesses may be more difficult to trace.
This is the best way to gather as much evidence and information as possible on the scene. This makes your claims more likely to succeed.
Secret 2: Seek immediate medical attention
When considering an insurance claim, it is usually necessary to prove what damages exist before receiving compensation. The most common injuries following a truck accident include:
Neck and back injuries,
Spinal cord injuries,
Head and brain trauma,
Amputation and disfigurement,
Internal injuries, and
Cuts, bruises, broken bones and jerky wounds.
The best way to prove that you have a right to compensation for your injuries is to get medical attention and a diagnosis from your doctor.
Even if you do not notice any direct injuries, it is still necessary to see a doctor as soon as possible. Failure to do so may aggravate the injuries that exist and you may potentially lack the valuable compensation to which you may be entitled.
Secret 3: Insurance companies are not your friends
While it is true that they can ultimately provide some compensation, the reality is that they do not have their best interests at heart.
As Abrahamson & Uiterwyk put it, “Insurance companies are not on your side. Their job is to pay out as little as possible so that the insurance company does not lose money or lose profit.”
At the end of the day, insurance companies are companies that operate for profit. They will try to pay out as little and as quickly as possible. Don’t be tempted to take the first offer they make you. In fact, you may be entitled to more.
Secret 4: Lawyers do not always cost a fortune
One of the best ways to maximize your truck accident insurance claim is to hire a lawyer. However, people often don’t even consider hiring a lawyer because they don’t think they can afford it.
In fact, some of the best and most experienced car accident lawyers will take cases on “emergency fee”. This means that you don’t pay any fees until you win the case. They also usually offer a free consultation, so you can interview a lot of lawyers and let them help you determine if you have a good case.