All car accident claims have common issues. In this report, I provide you with the five steps that, if followed, will bring you success. This report is not exhaustive, but it provides basic tools and skills for preserving evidence, getting a fair deal on your car, and dealing with the insurance company. If you follow these five steps, you will be far ahead of the curve when handling your car accident claim because you have avoided the major mistakes that people make. Each mistake that is made further destroys YOUR ability to receive a full, complete and fair settlement.
This report is for educational purposes only and should not be considered legal advice. This report is an overview of the five steps that should be done after a car accident. If you would like to read more about the subject, you can download a free copy of my book A GUIDE TO INDIANA CAR ACCIDENT CLAIMS. This is just a reminder that every case has its unique set of facts and no report or book can address all the potential issues in a case. If you have questions about a specific claim, you can contact me to have your concerns addressed.
You are probably reading this because you or someone you care about has been involved in an Indiana car accident. If you were involved in the crash, at first your adrenaline rushed through your body and you were hyped-up. Now that things have settled down you may be feeling crappy. You may have aches and pains you never felt before a headache or your neck is starting get stiff. If you are beginning to feel any of these aches, pains, numbness, or tingling, you need to go the doctor, hospital or urgent care center to get checked out completely. Don't hesitate!
Many car accident victims are afraid to get checked out for a number of reasons. They don't want to wait for hours in the emergency room, they are concerned about bills, or they believe that things will just work themselves out. However, there are two very good reasons why you need to get checked out immediately.
You may have an injury brewing that needs to be diagnosed. Some injuries are immediate and the accident victim knows they are hurt at the scene. For instance, if somebody breaks their arm or leg, most of the time they know it because they feel the break or start to experience severe pain immediately.
On the other hand, many injuries are JUST under the surface and may not be readily noticeable. A guy was rear-ended on the highway. He was shaken up at the scene but he thought that everything would be okay. After the crash, he went home to take a nap. When the guy woke up a few hours later, he had a severe headache. He tried to get out of bed and collapsed. He was taken to the hospital. A CT scan of the brain REVEALED blood pooling inside his brain.
As it turned out, the guy was taking aspirin to thin his blood and to prevent heart attacks. When his head hit the headrest a blood vessel in the back of his head began to leak. It took a couple of hours for the blood to pool and build up enough pressure to cause the headache. The guy was rushed to surgery to relieve the pressure on his brain. After surgery he was never the same.
Unfortunately this STORY is not uncommon. It happens more OFTEN than you think. If you've been injured in a car accident and you are feeling symptoms get checked out IMMEDIATELY.
The second reason to get checked out IMMEDIATELY is that an insurance adjuster will INSPECT the timing between the YOUR accident and YOUR first contact with a DR.
On the day of the car accident, most people do not think about making a claim for personal injuries. However, if you plan on making a claim because your injuries do not get better, the insurance company will look at the timing of first visit.
Many insurance companies use computerized claims management software. Allstate uses a program called Colossus. The computer program gives a lot of weight and validity to claims, which document a hospital visit within 24 hours of a crash. So Allstate, or other companies that use computer programs, will value your claim higher if you go to the hospital on day 1 or day 2 as compared to a chiropractor or physical therapist on day 13.