Being involved in an accident can be rough on anyone. First of all, there’s the initial trauma of the incident itself. If you’ve been involved in a car crash, you know the terror involved with the clashing metal and screeching tyres. After that, you may have to undergo numerous medical procedures and spend time in the hospital. You may need time off work, and you might need to make adjustments to your home. Personal injury takes its toll, but the good news is that you can claim compensation. All the costs incurred and more can be claimed back by the insurance company of the party to blame. But, how do you ensure you aren’t ripped off?
Stay Calm – The most important thing you can do is remain calm, both at the scene of the incident and afterwards. It’s not always easy if you’ve suffered a major injury or been in an accident. It can leave you angry and emotional! The trick is to react in a calm and friendly manner, even if the accident wasn’t your fault. Take down the details and don’t act aggressively towards other parties involved. Throughout the whole process, it’s important to remain calm and rational to get the best settlement.
Don’t admit blame – At all points of this process, you’ll be pointed towards accepting responsibility. Even a well meaning ‘sorry’ at the scene can be taken as acceptance of blame. Furthermore, when you are being interviewed by the insurance company or a lawyer, they may word questions in a tricky manner. Don’t be fooled and stick to your story. Don’t hint at, or accept any, blame.
Get a full doctor’s examination – Your injury claim holds a lot more weight if it’s backed up by a legitimate doctor’s letter. Before you get stuck into the claims process, get a full medical exam. They should assess your current injuries and predict any future trouble as a result. Ask them to determine any secondary effects such as dizziness, memory problems or migraines too. Don’t tell insurers anything about your injuries until you have professional notes.
Calculate your costs precisely – If you want to receive the fair amount of money you deserve, calculate every cost with accuracy. This forms the entire basis of your claim, so make sure you get it right. Keep written records of your hospital bills and loss of earnings. Keep everything from the taxi receipts back and forth from hospital visits. Every penny is important here. The more thorough you can be, the better.
Don’t take the first offer – Finally, don’t feel pressured into accepting the first settlement offer. Insurers tend to offer lower amounts at first to push you into a quick and easy settlement. Don’t be scared to say no. Instead, seek the advice of a lawyer and return with a stronger case.
The process is stressful and confusing. Take it slow, remain calm and stand your ground. That’s the trick to getting the money you deserve after a difficult accident.