Category Archives: Car Accident FAQ

How long do I have to file a claim or bring a lawsuit?

You may wish to contact a lawyer to discuss your legal rights before you call the insurance company. You or your lawyer should report the accident to your own insurance company and file a claim with the at-fault driver’s insurance company as soon as possible after the wreck. The investigating officer should give you an “FR-10 form” which has the names, addresses, and insurance information for those involved in the accident. You may submit the claim to the insurance company. Find the claims office by searching for the insurer’s website or calling the insurance agent of the at-fault driver. If you or a loved one is seriously injured or killed in an accident, it is important to contact your lawyer as soon as possible so that crucial evidence may be located and preserved. The statute of limitations, or deadline, to file a lawsuit against the negligent person who injured you…
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What should I tell my insurance company after a car accident?

Insurance agents and adjusters, whether it is under your policy or another driver’s, represent the insurance company, not you. Their jobs depend on offering the lowest amount of compensation possible after an accident. You should report an accident to your own car insurance company after a collision, but only state facts – do not speculate about potential causes of the incident. Your statement is recorded by the insurance company and anything you say may be used against you. You should consult with a lawyer before making a recorded statement to any insurance company representative. Although you should report the accident to your own insurance company, do not talk to the insurance company that represents the other driver involved in the accident until you discuss your legal rights with a lawyer. The other driver’s insurance company will likely try to offer you an unreasonably low settlement, mislead or coerce you into admitting fault…
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What type of compensation am I entitled to receive?

The amount and type of money damages you are entitled to recover depends on the facts and circumstances of your case. When the accident is caused by another person’s negligence, you may recover damages, which include: Medical bills, including emergency room costs, surgical procedures, physician and chiropractor costs and hospital costs Lost wages and earning capacity resulting from your injury Physical pain and suffering Emotional distress and mental anguish Costs of physical therapy and rehabilitation Exacerbation or worsening of a pre-existing condition Disability Disfigurement Wrongful death, including loss of financial support and loss of companionship Loss of enjoyment of life Loss of consortium by a spouse You may recover money for damages occurring in the past, present and future.

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