An automobile crash is stressful and frightening. Many things run through a driver’s mind: Am I OK? Is anyone else hurt? Can I drive my car? Where is my insurance card? Should I call the police?
Whether it’s a major wreck or it seems like just a fender bender, the answer to the last question is always yes. Obtaining a police report is vital to receiving payment in a disputed insurance claim.
A police report provides important and useful information. Even if everyone initially agrees who was at fault, people can change their minds and their stories. An independent, objective evaluation of what happened and what was said at the scene can boost a claim or sway a decision at trial.
Besides calling the police and requesting a report, anyone involved in an accident should also:
Get any other drivers’ insurance information: Taking pictures of drivers’ licenses and insurance cards ensures nothing gets missed. Collecting contact information from witnesses is also a good idea.
Take pictures of the scene: Snap photos of the vehicles involved, as well as traffic lights, signs and other road conditions.
Seek medical attention: People with serious injuries should go directly to the emergency room. But even people with minor injuries and those who don’t feel hurt should see a doctor. Some injuries aren’t readily apparent and might get worse without timely intervention.
Contact Johnson & Biscone: People who talk to a lawyer early in the process have the best chance of protecting their rights. Our firm has more than 90 years’ collective experience, and we aren’t afraid to take on big insurance companies. We even offer free consultations.
Everything might seem overwhelming after a crash. But these simple steps can mean the difference between maximum compensation and reduced or no recovery.