Being involved in a car accident can be a distressing experience, and dealing with the aftermath can be overwhelming. If you’ve been in a car accident in Edwardsville, Illinois, understanding the dos and don’ts of handling a claim is essential.
Taking the right steps can significantly impact the success of your claim and ensure you receive fair compensation for your injuries and damages.
According to Chicago Sun-Times, across the country, motor vehicle traffic fatalities surged to a 20-year peak in the initial three months of 2022, with approximately 9,560 individuals losing their lives in car crashes. This marked a 7% rise compared to the corresponding period in 2021, representing the highest recorded total since 2002.
Illinois experienced an even more pronounced increase, witnessing an estimated 280 traffic fatalities in the first quarter of the year. This marked a substantial 24% surge from the same period in 2021.
In light of the surge in motor vehicle traffic fatalities, as mentioned in the preceding paragraph, every Edwardsville resident needs to be well-informed about the essential dos and don’ts when dealing with the car accident claims process.
In this article, we will explore the crucial guidelines that every Edwardsville resident should be aware of when navigating the car accident claims process.
Dos
What you should do while handling a car accident claim in Edwardsville are as follows:
Stay at the Scene of the Accident
As per a recent report by KSDK, a tragic hit-and-run incident in Edwardsville resulted in the death of a 28-year-old motorcyclist. The South Roxana Police Department disclosed that the collision involving a motorcycle and a car occurred around 3:30 p.m. at the intersection of Illinois 111 and Lakefront Parkway.
Regrettably, the driver of the car left the scene of the crash without stopping to offer assistance.
The incident highlights the importance of remaining at the scene of an accident. Staying at the scene is not only crucial for the safety of all parties involved but also facilitates the exchange of information with the other driver(s) and enables the police to conduct a comprehensive investigation.
Leaving the scene prematurely can have serious consequences, as it may lead to potential charges of hit-and-run. Individuals need to understand that staying at the accident site until all necessary procedures are completed is not only a legal obligation but also ensures that justice is served and accountability is upheld in such unfortunate situations.
Exchange Information With the Other Driver(s)
Be sure to exchange necessary information with the other driver(s), which comprises their name, address, insurance details, and driver’s license number. This step is crucial, regardless of whether you believe the accident was your fault.
Additionally, it’s advisable to capture photographs of the other driver’s vehicle and document the damage to both vehicles for reference and documentation purposes.
Call the Police
It is crucial to contact the Edwardsville police immediately following an accident, regardless of its apparent severity. Having the police at the scene will result in the creation of a comprehensive report, which can prove invaluable when filing an insurance claim or pursuing legal action.
The police report will contain essential details about the incident, including the precise time, date, and location of the accident, as well as its cause. Additionally, it will include the names and contact information of all drivers involved in the collision.
Business Insider also highlights the significance of various technologies such as dash cams, which can prove to be invaluable aids in the aftermath of a car accident. Many modern vehicles are equipped with onboard safety features that automatically summon the police and/or emergency services in the event of a collision.
These technological advancements play a crucial role in enhancing safety and response times during critical situations on the road.
Seek Medical Attention, Even if You Don’t Think You’re Injured
You need to get checked out by a doctor, even if you don’t feel any pain. Some injuries, may not be immediately apparent. If you do not seek medical attention, the insurance company may argue that you were not injured in the accident.
Document Your Injuries and Losses
Ensure you document your injuries and losses thoroughly, which entails taking photographs of your injuries, maintaining a record of your medical expenses, and noting any lost wages.
Additionally, it is essential to retain a copy of the police report and any other relevant documentation related to the accident. Keeping detailed records will greatly assist you in the car accident claims process and help ensure that you have proper evidence to support your case.
Get a Copy of the Police Report
Obtaining a copy of the police report is necessary as it holds significant importance for your insurance claim or potential lawsuit. The report contains crucial details about the accident, including the time, date, location, and cause of the incident.
Additionally, it will provide the names and contact information of all drivers involved in the accident. Having this document on hand will prove valuable in the event of any legal proceedings or insurance negotiations.
Contact Your Insurance Company
Reach out to your insurance company as soon as possible. They will assist you in initiating the insurance claim process and ensure you receive the rightful compensation you deserve.
Expect the insurance company to provide you with a claim form that requires your details and accident-related information. It’s essential to retain a copy of the completed claim form for your records.
Hire a Lawyer if You Need Help
If you require assistance, consider seeking the expertise of an Edwardsville personal injury lawyer. They can offer valuable insights into your legal rights and available options, and if required, can act as your representative in court.
TorHoerman Law notes that if you’ve sustained injuries in a car accident, it is essential to receive proper compensation for your losses. Don’t abandon your case. Instead, explore the possibility of having professional legal support to ensure you receive the rightful compensation you deserve.
Don’ts
What you should not do while handling a car accident claim in Edwardsville are as follows:
Admit Fault
Even if you think you were at fault for the accident, it is important not to admit fault. This could hurt your chances of getting compensation in an insurance claim or lawsuit. The insurance company may use your admission of fault against you to deny your claim or to reduce the amount of compensation you receive.
Sign Anything Without Reading It First
Never sign anything without thoroughly reading it first. This rule applies not only to documents from the other driver’s insurance company but also to any paperwork related to the accident. It is crucial to fully comprehend the contents of the documents before putting your signature on them.
Some of these papers might contain clauses that could release the other driver from their responsibility or impose limitations on the compensation you are entitled to receive. Taking the time to understand the terms and implications can help protect your rights and ensure a fair resolution.
Give a Recorded Statement to the Other Driver’s Insurance Company
Avoid providing a recorded statement to the other driver’s insurance company, as this can be detrimental to your case. The insurance company might use your statement against you, potentially twisting your words through leading questions or coaxing you into saying something that could harm your claim.
It is advisable to consult with an Edwardsville attorney first and refrain from giving any statements to the insurance company until you have sought proper legal counsel.
Change Your Story
If you tell the Edwardsville police one story about the accident and then tell a different story to your insurance company or in court, this could hurt your credibility. The insurance company or the court may believe that you are not being truthful and may not believe your story. You need to keep your story consistent throughout the process.
Give Up
If you have been injured in a car accident, you deserve to be compensated for your losses. Don’t give up on your case. If you are not satisfied with the outcome of your insurance claim, you may be able to file a lawsuit.
Conclusion
Navigating a car accident claim in Edwardsville requires a careful approach to protect your rights and secure fair compensation for the damages you’ve suffered. By adhering to the dos and don’ts discussed in this article, you can build a strong foundation for your claim and avoid potential pitfalls during the process.
Remember, being proactive, informed, and cautious can greatly influence the outcome of your car accident claim and lead you toward a favorable resolution in the pursuit of justice and rightful compensation.
