It doesn’t matter if someone else’s negligence caused the collision. Massachusetts is a no-fault car accident state. That means your own insurer is responsible for compensating you. If your injuries are particularly severe, you can seek additional compensation by filing a separate claim or lawsuit with the insurer of the negligent party responsible for your injuries.
Regardless, it’s important to remember that insurance companies are businesses. The insurance company’s goal may be to pay you less than you’re seeking. To build a strong case demonstrating why you’re eligible to recover more compensation than the insurance company might initially offer, keep these tips in mind:
Take These Steps in the Immediate Aftermath of an Accident
You may be reading this because you’ve already been involved in an accident. If so, the information in this first tip won’t be relevant.
That said, if you haven’t been involved in an accident, but wish to be prepared in case you ever are, this information is essential. Taking the proper steps in the immediate aftermath of a collision can play a significant role in your case’s outcome.
After an accident, you should:
- Check yourself and your passengers for injuries
- Safely relocate to a spot away from traffic
- Without endangering yourself, check on the condition of all others involved in the accident, and call 911 if anyone appears seriously injured
- Exchange contact and insurance information with all others involved in the accident
- MAINTAIN YOUR COMPOSURE and don’t allow yourself to angrily confront anyone you believe caused the collision
- Report the accident to the police
- Get the names and contact information of witnesses
- Take pictures of the accident scene and your injuries
- Cooperate with police and ask them how you may go about requesting copies of their reports
See a Doctor as Soon as Possible
Seeing a doctor as soon as the police are finished investigating your accident is critical. If you haven’t sought medical care yet after an accident, do so right away.
Some auto accident victims don’t seek immediate medical care because they don’t realize they’ve been injured. For example, the symptoms of a concussion or similar head injury might not be noticeable until hours or even days after a collision. Additionally, adrenaline can prevent someone from noticing pain and other such signs of injury.
The fact that you don’t believe you’ve sustained injuries doesn’t mean you escaped from an accident unharmed. You must receive confirmation from a doctor that you aren’t in need of treatment.
Be aware that if you wait too long after an accident to seek medical attention, it might be possible for an insurer to avoid paying you by arguing there isn’t a clear link showing your auto accident caused your injuries. Guard against this by seeing a doctor as soon as possible.