What to Do After an Accident: Mistakes to Avoid
Delaying the Doctor
If you haven't gone to the doctor yet, go right away. The longer the gap between the accident and your first medical evaluation, the easier you make it for the insurer to question causation and the extent of your injuries.Soft-tissue damage and concussion symptoms can sometimes take hours or days to manifest, so it's always wise to just get checked out right away after a crash. Keep records of every visit, all imaging reports, and any notes you get restricting you from work. You'll need those later as proof of damages.
Talking to the Adjuster
Giving a recorded statement to the other driver's insurer is not required and is always a mistake. That recording becomes a permanent transcript that can be used to against you. Insurance adjusters are very good at manipulating conversations so they get you to say things they can use to throw a higher share of fault onto you or minimize your injuries.Signing Anything
Don't sign a broad medical authorization or accept an early check without talking it all over with your attorney, first. A general release can cut off all chance for a later claim if you discover your injuries and losses are worse than you thought. And an unrestricted medical authorization lets the insurer mine through years of unrelated medical records, looking for anything they can find to blame a "preexisting condition" for your injuries or the extent of them.Waiting Out the Calendar
Missouri allows you five years to bring a lawsuit in a crash like this, but Kansas only gives you two. If your accident was in Kansas City, it all depends on which side of the line you're on. If your claim is against any kind of government entity, like the city, you have even less time. And whether you have five years or two, every day evidence degrades or disappears, and witness memories get foggier. Don't put off making that call to an attorney.Not Talking With an Attorney
Many people worry that having a lawyer will mean they don't get their full claim. Lawyers in this field normally work on a contingency basis, meaning they don't take a fee unless they win for you. Plus, research shows that personal injury claims brought by a lawyer win more money for the client, even after the attorney's fees are removed, than claims brought without a lawyer's help.Call us today at Spooner & Perkins at 816-572-6324 to set up a free consultation on your case. We've been serving the Kansas City metro area for decades and offer real help when you need it most.