When was the last time you read through the terms and conditions of your auto or health insurance?
Are you aware of the steps to follow, in case you meet with an accident?
Today the world is connected more than ever. People are constantly distracted by their handheld devices, in-dash navigation systems and trying to do multiple things while they are driving, or walking on the road. This puts everyone at risk, the driver as well as the pedestrians.
According to motor vehicle safety page of the CDC, here are some startling facts:
- 8 people die every day in the United States because of distracted driving.
- Another 1,161 are reported injured daily due to car crashes.
- Children under 20 have the highest proportion of distraction related crashes.
- Texting takes the driver’s attention away from driving longer, and more often than any other distractions.
- 69% people have reported talking, and 31% have reported texting while driving in the United States.
We sincerely hope you’re never involved in an accident, but with these kinds of statistics… it’s better to know what to do in case you or your loved ones are part of a mishap.
It goes without saying that you should and remain calm… a severe accident can throw you off, make your mind run in all directions.
Next, you should check for any injuries that you might have suffered, call an ambulance if required and report the accident as soon as possible.
If you’re involved in a collision, exchange insurance information.
You should call a lawyer if:
- You or your loved ones are seriously injured. You might not know the complete extent of compensation you are eligible for. A personal injury lawyer will be able to recover for lost wages, pain, and suffering and emotional distress if it is applicable.
- The terms of liability are disputed. You think you’re being wrongly held responsible and the fault is not completely yours.
- If you think your insurance company is lowballing you.
- Proving liability could be a complex process, even with a police report and witnesses in your favor. You should contact a lawyer who has prior experience in cases like these.
- You’re unaware of various settlement options. As most cases are settled out of court, you want someone on your side, who can explain the pros and cons of the offers that are presented to you. You should also know that there would be cases where settling might not be the best option.
- Laws for personal injury are different in each state. You also have a limited period of time to file a lawsuit, after the accident in case you are claiming compensation. If you’re not sure of the nuances your best bet is to consult an auto accident attorney.
No matter what you do, do not sign on any paper if it’s not from the police or your insurance company.
A personal injury lawyer will be able to evaluate all the circumstances around an accident, and give you an objective consultation on the way forward.