What To Do If You Have Been In A Car Accident
Seek Immediate Medical Treatment
Call 911 if you are experiencing a life-threatening emergency or go to the nearest emergency department.
If you are in a car crash, please seek care immediately, especially if you if you have broken bones or are experiencing any of the following:
- Back or neck pain
- Trouble breathing
- Trouble answering simple questions or slurred speech
- Worsening headache/recognition issues
- Differently dilated pupils or double vision
- Lack of coordination or weakness in limbs
After Emergent Care – Here Are Some Helpful Tips:
Do not make any recorded statements.
Do not give permission to any insurance adjuster to record any conversation. As a former claims adjuster and claims manager, Mr. Anderson can tell you from experience that an adjuster’s job is to gather information to deny your claim. If the adjuster’s policyholder caused the crash, their job is to gather any information that minimizes or reduces your injuries so the insurance company can pay less.
IMPORTANT: Claims adjusters’ salaries and bonuses are based upon paying claims within a range that a proprietary computer program (Colossus) thinks your injuries are worth. The ugly truth – there is a 95% chance that a computer program will evaluate your harms and losses – not a human being.
Do not sign any documents from any insurance corporations.
In Colorado, a claimant does not have to sign a medical release for the insurance to process a claim. Also, in most car crashes, you have three years from the date of the crash to file a claim. Contact a Colorado auto accident attorney to confirm exactly how long you have to file your claim.
Gather important records.
Obtain the complete police, ambulance and fire reports, as well as any emergency room records and imaging studies (X-ray, CT scan, MRI, DMX, etc).
Take photographs (preferably digital black & white) of your car.
Tell your repair shop to document and outline in writing all undercarriage damage. Note: the insurance company’s claims adjusting software will value your case differently when car damage is less than $1,000.
Be the honest squeaky wheel.
If you have physical pain, or are experiencing any mental, emotional, psychological or cognitive issues, inform your care provider. Be honest and straightforward about how the injuries are impacting you and the consequences of these changes in your life.
Attend your medical appointments.
Seek out the treatment that you need. Don’t miss your medical appointments and get recommended treatment to help in recovery. If chiropractic care is recommended, you may find resources at the Colorado Chiropractic Association.
Keep track of out-of-pocket expenses.
Many of the incidental costs you incur, such as co-pays and prescriptions, may be reimbursed.
Gather your personal insurance policies.
Gather all of your insurance policies for both auto and home, as well as any insurance policies of any relatives living with you at the time of the crash.
If necessary, meet with a Colorado auto accident attorney.
No one wants to have to employ an attorney, but when car repairs are declined, medical bills are unpaid and the insurance company denies the claim, few choices remain. When you meet with an attorney, be realistic and truthful. At our firm, we expect full disclosure from our clients… and we will do likewise.
Be an educated consumer.
Educate yourself on how a Colorado auto accident attorney can help. Our law office offers free consultations. You deserve to know your rights, how your claim will be evaluated, and how/if a trial attorney may be able to help you in your recovery. After a car crash, no individual should have to fight an insurance company for reasonable payment of medical bills, future medical care and the return to a normal life.