When something unexpected happens, it can be difficult for people to respond appropriately. Many people struggle to handle the aftermath of unexpected major events, including motor vehicle collisions.
Those without a clear plan in place regarding the fallout of a car wreck can very easily make mistakes. Those mistakes can have long-term financial implications. The wrong choices immediately after a car crash could make it much harder for people to obtain compensation or may limit how much compensation they ultimately receive. Thankfully, the three mistakes below are all easy to avoid if people are aware of the risk.
Choosing not to report a crash
The people who are at fault for collisions often try to talk their way out of involving the local authorities. They don’t want to receive a ticket or to worry about higher insurance costs in the future. They may promise to cover any collision expenses directly if the other driver does not involve law enforcement.
Unfortunately, such promises are very hard to enforce without objective proof that the crash occurred and was the fault of the other driver. The law requires a crash report when there are any injuries or property damage costs in excess of $2,500. Failing to file a report makes it much harder for people to hold the other driver accountable later.
Trying to treat injuries at home
Some people put their health and finances at risk by choosing not to see a licensed medical professional after a crash. They don’t want to have to wait at the doctor’s office because they don’t have an appointment or risk the expense of going to urgent care or emergency room facilities.
Some injuries can worsen over time if people don’t receive prompt treatments. Brain injuries, for example, can progress if left untreated. Additionally, delays in diagnosis can make it harder for people to secure compensation. The delay in diagnosis can raise questions about the true origins of the injury in some cases.
Settling as soon as possible
Another common car crash mistake involves rushing to accept an insurance company settlement offer. Settlement offers frequently benefit the insurance company more than the person filing the claim. The settlement is likely for an amount lower than the maximum compensation available given the policy limits. Settlements are also frequently well below the total cost of a crash, leaving people with uncovered expenses that they have to address with their own resources.
Avoiding common mistakes that people make after motor vehicle collisions can help people limit the losses they experience because of a car wreck. Having support when seeking compensation or negotiating an insurance claim can also make a major difference. Those involved in crashes may benefit from having someone support them as they seek compensation for their losses.