Motor Vehicle Accident Frequently Asked Questions

Unless your claim is completely straightforward with no possibility of litigation, consult a lawyer immediately. An attorney can help investigate the accident, negotiate with insurance companies, and determine if you have grounds for a lawsuit.

Yes. Even in clear cases, insurers often try to underpay or deny claims. Having legal representation demonstrates you're serious about your claim and ensures proper investigation from the start.

Avoid discussing fault (especially admitting any), giving official statements before consulting an attorney, or claiming you weren't injured without medical clearance. Insurance companies may use your statements to minimize payouts.

Typically the at-fault driver's insurance covers damages, but this depends on coverage details, fault determination, and state laws. Your own insurance may cover repairs initially if you have collision coverage.

Without legal representation, it's difficult to assess fairness. If the offer doesn't fully cover medical bills and vehicle repairs, it's likely inadequate. An attorney can evaluate whether the compensation matches your actual damages.

Document all injuries through medical examinations immediately after the accident. While subjective, medical records linking specific diagnoses to your pain help substantiate these damages. Keep detailed records of how injuries affect your daily life.

Work with your attorney to explore options like payment deferrals, direct billing to insurers, or medical liens. Share all bills with your lawyer to prevent collections actions while your case is pending.