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Getting hurt by someone's negligence or carelessness is a part of everyday life. Insurance is a promise to pay if someone hurts you or your family. Insurance companies make profit by collecting more premiums than they have to pay out in claims. Do not believe you will be treated fairly by an insurance company or your local insurance agent. Insurance is in business to make money. Insurance companies will spend more money defending a claim than they will to settle a claim. They will investigate you by hiring private investigators to follow you and videotape you in secret. Insurance claims can not be handled successfully by yourself or by one with little or no experience.

Car Crashes – 10 Useful Tips for you

  1. Stop: Failure to stop may result in criminal charges. Stay calm, turn the ignition off, and turn on your emergency flashers. Do not start an argument with other driver.
  2. Ask for medical help and police assistance: if you are injured, in pain, just don’t feel right, call 911 and ask for the police and an ambulance if necessary. Make a mental note to yourself of how you are feeling physically, noting any pain or discomfort you are experiencing at the scene. Also note where you were looking when the impact occurred. Did your body strike anything inside the car? Refusing an ambulance may cause issues in your claim with the insurer.
  3. Police report: The police report is one of the most critical pieces of evidence in your case. It is extremely important that you communicate your version of the collision to the police officer to ensure that your side of the story is written into the police report. If any witnesses are present, it is important to make sure that the police officer notes the name(s) of the witness(es) and his/her phone number in the police report. If possible you should also take the names and phone numbers of any witness(es) just in case the police officer fails to take them.
  4. Injured or feeling pain: If you are injured or in pain, tell the police officer. The first record of your injuries or pain will be contained in the investigating officer’s report. If you fail to mention to the police officer that you were injured or you refuse an ambulance, it may create suspicion in the mind of the insurance adjuster who will ultimately evaluate your claim.
  5. Get medical treatment: If you are injured, obtain medical treatment. Go by ambulance or go to the nearest hospital emergency room or to your personal physician. An injury, if untreated, may become substantially worse. If you fail to seek treatment or have a long delay in getting medical attention, an insurance adjuster may suspect that you are not injured and discount the value of your claim.
  6. Paying the medical bills: Every motor vehicle insurance policy in Massachusetts includes coverage under a section called Personal Injury Protection (PIP). The PIP law requires insurance carriers to pay up to $8,000.00 in medical bills and expenses (unless you choose a deductible) for injuries sustained in a car collision and will pay 75% of any lost wages, with a doctor’s note. If you have health insurance, PIP only pays the first $2,000.00 in medical bills. The insurance company responsible for paying PIP benefits is the vehicle that you are in at the time of the collision, regardless of fault. If you are a pedestrian, the vehicle that struck you is responsible for PIP benefits.
  7. Take photographs with your cell phone: You should always take photographs of any damage to your vehicle before it is repaired.
  8. Contact your insurance agent/company: Report your loss to your insurance agent/company. Do not give a statement to the other driver’s insurance adjuster. Also, get a copy of your “coverage selection page.”
  9. Under-insured/Uninsured insurance coverage: Uninsured/Under-insured coverage protects you in cases where the other driver has no insurance or has limited amounts of coverage and you have been injured. Call me for more details.
  10. If you have any injury, do not try to settle your own claim. An experienced personal injury attorney will generally be able to obtain substantially more compensation for you, then you will be offered in settlement by an insurance adjuster, even after payment of an attorney’s fee.