Seek medical help. Even if you feel fine, you may have sustained internal injuries.
Do not say or sign anything. Wait until you have an attorney present before speaking with or signing documents drafted by the other driver, insurance claim adjusters, and other interested parties.
Document everything. After the accident, gather medical reports from doctors or hospitals and keep track of any expenses or lost wages incurred.
When an auto dealer’s insurance company refused to provide coverage to a customer involved in an accident during a test drive, our attorneys obtained the $1 million insurance policy limits for the accident victims, plus extensive additional damages that would not have been available without Faerber & Anderson’s proving the insurance company acted in bad faith.
Even if another driver is at fault in causing your accident, if you have full insurance coverage on your own automobile, more than likely you also have medical payments coverage. This means that your own insurance company will reimburse you for medical bills up to a certain limit contained in your policy. Though your insurance will have the right to be paid back at the end of the case, this coverage is very helpful to make sure you get the immediate medical attention you need, whether you have health insurance or not.
The laws of most states require drivers to carry only minimal liability insurance coverage, such as $25,000. If you are involved in a serious or catastrophic accident where your damages exceed the other driver’s insurance limits, your own uninsured or underinsured motorist insurance policy may provide additional benefits to cover your damages. In such cases, our legal team has been extremely successful in making sure we obtain the full amount of the negligent driver’s insurance limits, and in obtaining the full amount of the underinsured policy limits as well.