Car accident rates declined in every state in the US except Vermont and New York from 2023 to 2024. Those states had a 2% and 10% increase, according to Insurify. Car accidents can be terrifying, more so because they can alter some aspects of your life. They break bones, damage property, and put a strain on finances.
But with the accident over, you need to get a fair deal to pay for your medical bills, lost wages, and other costs. Remember that the average car accident settlement depends on the severity of your injury. Some want to settle your claim, but usually they offer less than you deserve.
But how do you get the biggest payment for a car accident? These tips will help you get the money you deserve for your injuries
An injury might not even be felt during the incident. There are injuries like whiplash or concussions that might never show symptoms early on. Failure to see a medical professional could therefore be dangerous and harmful to your case. If not medically documented, insurers may claim injuries were minor or occurred after the accident.
2. Document Everything
Documentation is vital to forming a case for your settlement. More data should be gathered at the accident location, such as
- Gather photos of the accident scene, vehicle damage, and any visible injuries.
- This should include the contact information of all parties involved, such as other drivers, witnesses, and police officers.
- A copy of the police report must be served on your behalf.
To build a strong case, a decent amount of evidence is needed. Documents will be required to determine the culpability and extent of damages.
3. Avoid Giving Recorded Statements to Insurance Companies Without Legal Advice
At times, the other party’s insurer may ask for a recorded statement in the aftermath of a car accident. Although cooperation with the insurance company is important, do not give them a recorded statement before seeking legal advice.
Take note that when a car accident involves a DUI (drunk or impaired driving), the average settlement amounts are typically much higher than in ordinary crashes. According to Edwards Law, PLLC, it’s illegal to drive a motor vehicle on the street, highway, or any other public place while under the influence of alcohol or other drugs.
Commonly, insurance companies ask questions that hurt the claimant’s case; they want to pay less. Your response may end up being used against you so be very careful with what you say.
4. Don’t Settle Too Quickly
Insurance companies will typically offer an early settlement if they see a need for your immediate financial relief. However, while a quick settlement may seem tempting, it does not consider the full extent of your damages.
Once you accept a settlement, you won’t be able to request additional funds in the event of further injuries or expenses.
5. Hire an Experienced Personal Injury Attorney
A well-versed personal injury lawyer becomes one of your strongest arms in negotiating a fair settlement. When it comes to car accidents, lawyers negotiate settlements to waive the legal complexities in your favor with insurance companies.
Why It’s Important:
- Attorneys understand how to value your claim correctly so you are not undercompensated.
- They communicate with the insurance companies and others to prevent you from making any mistakes.
- An attorney will keep lowball offers away so you can get the compensation you deserve.
6. Keep Track of Your Medical Bills and Lost Wages
Medical expenses and lost wages are among the major aspects of an automobile accident settlement. Keep meticulous records of each doctor visit, treatment, prescription, or purchase related to your injury. Also, if you did miss out on work due to the injuries, keep a record of days missed and lost wages.
Why It’s Important:
- Recording medical expenses and loss of wages fortifies your claim for damages.
- It offers proof of the financial and non-financial impact the injuries have had on your lifestyle.
- It ensures that all your losses are considered in the subsequent calculation of your settlement.
7. Understand the Full Scope of Your Injuries
Injuries that are seen—cuts, abrasions, or fractures—will get noticed; you will account for the injuries when secondary soft tissue damage, emotional trauma, or a long-term condition such as chronic pain and permanent disability are on the table.
Why It’s Important:
- If injuries worsen over time, there may be an attempt to claim compensation for those future expenses.
- Many injuries, such as whiplash or concussion, take time to evolve, and an early settlement may overlook further medical treatment and loss of income.
Unexpected accidents like car accidents can be very unfortunate but knowing how to stand back up after such a setback can help with your healing.
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