If you’ve been injured in an accident, such as an auto accident, slip and fall, or workplace accident, you will most likely find yourself dealing with at least one insurance company. Since you may not be used to dealing with insurance companies and insurance policies on a regular basis, you could find yourself unsure of your options. Of course, you want to trust your insurance agent to help you, and while the insurance adjuster you speak with may be a very nice person and provide you with helpful information, it’s probably a good idea to consult with a personal injury attorney to ensure your rights are protected.
Steps to Take Immediately After an Accident
- Call 911 right away and check for injuries among those involved. 911 will dispatch the police, who will create a police report, and an ambulance if necessary.
- Exchange contact and insurance information with the other driver. Write down the other car’s license plate number and the make, model, and color of the car.
- Take photos and videos of the scene, road conditions, vehicles, and any witnesses willing to make a statement. Get the witnesses’ contact information.
- Write down everything you can think of about the accident: road and weather conditions; traffic lights and traffic conditions; the direction you and the other driver were traveling; what you and the other driver were doing prior to the accident; if you noticed the other driver speeding, driving erratically, or on the phone, etc.
Steps to Take Shortly After the Accident
- If the police did not come to the scene of the accident, contact them as soon as possible afterward to report the accident.
- If you did not write down everything you could think of about the accident immediately afterward, do it now. Memories fade. You will need to create a clear record of what happened as soon as possible after the accident so you can look back and have confidence in the degree of accuracy of the record. Be sure to date it.
- Get a medical examination within 14 days of the accident. In Florida, Personal Injury Protection (PIP) is part of auto insurance coverage. Under PIP, your own insurance company will cover up to $10,000 of medical expenses and lost wages related to an injury sustained in a car accident, regardless of who was at fault. But you must seek medical treatment within 14 days of the accident in order to be eligible to submit a claim to your insurance company. Health providers recognized by PIP include medical doctors and D.O.s, chiropractors, dentists, hospitals and their ancillary facilities, and emergency medical personnel. If you do not seek medical treatment within two weeks of the accident, your PIP claim will be denied.
- Contact your insurance company to report the accident. Keep in mind that many personal injury lawyers suggest that you do not make a detailed recorded statement or sign anything until you have discussed your case with an attorney.
- If you have been seriously injured, if you suspect negligence on the part of the other driver, and/or if your expenses associated with the accident exceed that which is covered by PIP, contact an experienced personal injury attorney to ensure your rights are protected.
Medical and Legal Help in Miami
We at Miami Accident Center, Inc. believe in healing the whole person. That means helping you heal both physically and emotionally. We have experienced chiropractors and state-of-the-art equipment and we utilize the services of other experienced, compassionate medical professionals. Upon request, we will refer you to trusted accident attorneys who will be able to answer your questions and protect your legal rights. At Miami Accident Center, Inc., we will ensure you get the medical help you need and assist you in finding appropriate legal representation. Call us today at 305-928-2828.