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In Post-Crash Shock? Costly Mistakes to Avoid

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Post-crash shock is more common than you think. Image Creative Commons.

Post-traumatic stress can make it easy to overlook important details. When you want to protect yourself to the fullest and make sure that you can move forward with your life in the most productive manner possible, you should remember these key pieces of post-accident advice.

Get a Copy of the Police Report for Your Records

Even if your lawyer has already obtained the police report, you should still get a copy of this report for your own records. Having a copy for your personal use at home can come in handy if at some point the other party involved in the accident brings legal action against you or tries to amend a settlement that has been negotiated by your attorney. When you have this information on hand, you can be proactive in protecting your finances and your freedom. Without this report, you may be unable to prove that you are innocent of the claims being made against you.

Table – Quick Guide – Top 10 Mistake to Avoid after an Accident

Below is a table to use in the event you are in a car accident. After an car accident or crash try to slow down and think. Then follow the table below and try not to do any of the costly mistake below.
RankMistake After the Car Accident
1Underestimating Your Injuries
2Waiting Too Long to Act
3Giving Too Much Information to the Insurance Company
4Failing to Call the Police
5Admitting Fault
6Failing to Gather Evidence
7Accepting a Quick Settlement
8Signing Anything from the Insurance Company
9Using Social Media Sites
10Failing to Call an Attorney

Keep the Lines of Communication Open between You and Your Adjuster

Insurance adjusters often handle a large number of cases at any given time. Your case may get pushed to the bottom of the pile, leaving you in legal and financial limbo when it comes to settling your claim. “While insurance companies will offer you compensation, they will be interested in awarding you the smallest amount they can, and it is crucial that you never accept a settlement before speaking to an experienced auto accident attorney,”  says Fort Lauderdale Car Accident Attorneys Steinger Iscoe and Greene.

Rather than trusting the adjuster to get the claim worked for the right amount of money in a reasonable amount of time, it is vital that you keep the lines of communication between you and this person open and active. Sending emails to the insurance company, calling the adjuster, and even letting your attorney talk to this individual for you can help speed up the settlement process. 

Hire an Attorney Immediately

Regardless of whether or not you are responsible for the accident, you should hire an attorney to ensure that your legal rights are protected. When you retain a personal injury or traffic lawyer after the wreck, you can avoid paying for expenses for which you are not legally liable or facing criminal charges in court. Your counsel can investigate the event and figure out how and why it happened. He or she can speak on your behalf to the police, negotiate with the insurance companies, and argue before the court in your favor if need be.

Be Cautious of an Auto Insurance Rate Hike After a Car Accident.

In the event you have been in a car accident it is important to follow the advise of an attorney. Try not to make a quick decision since many can cause huge financial mistakes. Some forget the increase in car insurance rates as illustrated by the tables below. Even at times when the car accident is “not” your fault you can find yourself with a higher auto insurance bill.

Table – State with the Highest Increase in Insurance Premiums.

StatePercentage Increase Avg. Yearly Premium
California85%$1,962
Massachusetts82%$1,604
New Jersey76%$1,905
Minnesota62%$1,360
Florida61%$1,830
Washington56%$1,499
Texas53%$1,620
North Carolina52%$1,060

Table 2 – States with the Lowest Increase in Insurance Premiums.

StatePercentage Increase Avg Yearly Premium
Michigan19%$2,551
Maryland22%$1,810
Montana24%$2,013
Idaho26%$1,053
Oklahoma31%$1,568
Mississippi36%$1,385
Wyoming37%$1,541
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Avoid Rushing Back to Your Normal Routine

After the wreck, you may be eager to get back to your normal work and personal routine. However, you would be well advised to take your time and let your body and mind recover from the trauma and shock of the event. Recovering fully can be particularly important when you have made a claim against the insurance company for any pain and suffering you incurred in the accident.

If you rush back to work or resume your regular routine too soon, you could bring suspicion upon yourself and give the other party ammunition to argue that you were not hurt and merely lying about being injured. This dispute could leave you responsible for your medical bills and close the case on your insurance claims. After you have been in a wreck, it is vital that you know what to do to protect yourself legally and financially. These suggestions can let you move on with your life sooner with your freedom and finances intact. 

Car Accident Apps are Helpful

With the use of cell phones, drivers are able to take pictures at the scene of an accident. Also, there has been an increase in the amount of apps, such as Allstate’s app, and other car accident apps. The apps help you to keep a “to-do” list in the event you are in a automobile accident. Below is a table of the best car accidents apps around.

AppReviews / Avg *CostiOS / Android**
Accident Report500+ / 4.4FreeY / Y
Auto Accident!100+ / 9.8.99Y / Y
AxiKit Accident500+ / 9.7FreeY / Y
C.A.R. - Car Accident Report1000+ / 5.9FreeY / Y
iWrecked500+ / 3.9FreeY / Y
Navbug Accident100+ / 2.74.99Y / Y
Help! I Crashed My Car100+ / 2.7FreeY / Y
Crashmate Accident0 / 0FreeY / Y
Unfall Assistent0 / 0.99Y / Y
Molly Pearce
Born with a passion for art, music, fun, fashion, the open road, blogging, and life lived to the fiercest! A great variety of educational, professional, and personal experience has gifted me an open mind, strong heart, and a wealth of stories to tell. Concerned with human rights and the state of the natural world. Thriving on the fresh, thoughtful, healthy, and hilarious.

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