Resource Guide

A Lawyer’s Tips for Maximizing Your Claim After a Minor Accident

Resident Contributor

When it comes to maximizing the compensation you receive after being involved in an automobile accident, it is crucial to act fast, document all relevant details, and know your legal entitlements.

Even though the incident may appear minor at a glance, the choices you make immediately following the accident can have a major effect on the outcome of your insurance claim and whether or not you will recover any money from your losses.

While a minor accident may not seem like much initially, there can be hidden costs such as medical expenses, car repair bills, lost income from work time missed, etc., which you will incur due to the accident. Therefore, knowing how to handle the incident correctly and present your claim accurately is key to receiving fair compensation for all of your related expenses.

Why Is Documentation So Important After an Accident?

The right kind of documentation is one of the most important pieces of evidence needed to successfully prove your case. Insurers will use documentation in determining who is at fault and how much money they need to pay out for damages.

Below are some important documentation items that you should gather after your automobile accident:

  • Pictures of the accident scene, damage to your vehicle, and road conditions

  • Names, addresses, phone numbers, and insurance information for all drivers involved in the accident

  • Names and phone numbers of any witnesses to the accident

  • A copy of the police report from the accident, if there was law enforcement present at the accident

Having accurate documentation of these events will help to provide an accurate timeline of events surrounding the accident, thus reducing chances of any disputes occurring during the claims process.

Should You Go to the Doctor When You Don’t Feel Hurt?

After an accident, you should go to the doctor for a medical examination. There may not be any apparent injury, but the injury can develop days or hours later.

A medical evaluation can assist you with the following:

  • Determine if there are any previously hidden injuries such as soft tissue injury or whiplash.

  • Document your injuries officially through medical documentation from a health care provider as being a result of the accident and help with future claims for both treatment costs and recovery costs.

If you do not have medical records, it will be challenging to show that the accident caused your injuries.

How Can You Assess the Complete Value of Your Claim?

Many people focus only on repairing their vehicle, but the total (or complete) claim will also include all monetary and physical damages resulting from the incident.

To come up with a complete claim, you will need to include the following:

  • Vehicle repair or replacement.

  • Medical and rehabilitation expenses.

  • Lost wages from missed time at work.

  • Pain and suffering and mental anguish.

  • Future medical treatment.

When Should You Consult an Attorney?

Some claims are simple matters, but others become complex when the insurance company disputes liability or offers to pay a total lower amount than the claim is worth; it is then that the need for an attorney arises to assist you through these issues.

An attorney can assist you in the following ways:

  • They will review the details of your accident and gather any available evidence.

  • Correspond with the insurance company regarding your claim.

  • Calculate the amount of damage in your case.

  • Represent you if it becomes necessary to file a lawsuit.

Key Points 

  • Timeliness is important following an accident. Being able to collect evidence quickly is very important.

  • Medical documentation will help establish the relationship between injuries suffered in an accident and how they were caused.

  • Avoiding errors with the subrogation of your claim will ensure that you receive a fair amount for your damages.

  • Calculating all forms of damage will give you the basis for collecting a fair amount of damages.

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