Driving is something we all take for granted. So many of us grab the keys and get behind the wheel without putting much extra thought into it. We forget that we are strapping ourselves and our loved ones into two-ton (at the least) hunks of metal that can move at speeds greater than 100 miles per hour.
Although most of us drive safely, crashes happen when people are not driving safely. Crashes can happen because people aren’t paying attention, are driving too fast, texting, drinking, or just being plain careless. Now, that heavy hunk of metal crashed into you and changed your reality.
What happens at the scene of a car crash? What should I do if I’m involved in a car crash?
First, call 911
If you’re able, call 911 immediately. It’s important that the police come to the scene to investigate and make the scene safe for all people around. Police officers should investigate the crash scene and make a report. Sometimes the police don’t come out to the scene. But you should always call 911 when a crash happens. EMS and fire may come out to the scene to make sure everyone is safe and to treat injuries.
Second, take pictures
Remember when phones just made phone calls? Well, those times have come and gone. For better or worse, we all have pretty good cameras on us almost all the time. Take pictures of your vehicle, the scene of the crash, the people who were involved in the crash, the driver’s license of the person who hit you, any debris on the road, and anything else you think may be important.
Third, document as much as you can
The scene of the crash is a great place to gather information. Get names of witnesses and the person who hit you. Make sure to get their phone number, email address, and physical address, too. Make sure to get the insurance information of the person who hit you.
How to deal with insurance companies after a crash
The insurance company of the person who hit you is not your friend. Insurance companies aren’t in business to help people. To them, a person who was injured in a car crash is another number who is asking for money. Typically, if you contact the insurance company of the person who hit you, you will be asked a lot of questions about the crash. Shortly after you contact the insurance company (if not the first time you call), you will be asked to give a recorded statement.
Everything the insurance company does is to trap you and devalue you. They ask you questions so they can spin your answers to minimize how much they pay you. Remember, after a crash, the insurance company evaluates medical bills, medical records, lost wage information, information about the crash, information about you, and lots of other factors related to you and the crash. Then, the insurance company decides what, if anything, to pay you. They make the decision based on the information they collect. They will do everything they can to skew the information in their favor.
Now, that being said, there is a way to strike back at the insurance companies so that you can be treated fairly. Hiring a lawyer who handles car crashes can make a huge difference in your claim. Lawyers deal with insurance companies on a daily basis, know how to hit back at the bullying insurance companies and can help get fairly resolve your claim.