10 Things You Didn’t Know You Could Do After A Car Accident

Car accident lawyer chicago langdonemison.com: Everyone knows that car accidents are stressful. Whether you’re the one who caused it or the one who was involved, your stress level is probably high. In fact, a survey of drivers found that 71% of them said they were stressed about the possibility of getting into a car crash. But what comes after a car accident is even more stressful. Dealing with insurance adjusters, medical bills, and fixing your damaged car can be very overwhelming and lots of people struggle to cope with this aftermath. However, there are many things that you can do in order to put things back together and move forward after an unfortunate event such as this. Here are 10 things that you can do after Car Accident:

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10 Things You Didn’t Know You Could Do After A Car Accident

Car accident lawyer chicago langdonemison.com: BusinessHAB.com

After a car accident, you’re probably preoccupied with things like medical bills and getting your car fixed. Recovering from the aftermath of a collision can also be a stressful and challenging process. However, if you’re proactive and observant, there are plenty of opportunities to make life easier after a crash. For example, after an accident, many people don’t know that they can negotiate on their car insurance premium or ask the other driver for information about their health insurance provider. These are just some of the little-known facts about what to do in case of an accident.

Check for Witnesses at the Scene of the Accident

The aftermath of a car accident can be a confusing and chaotic scene. For this reason, you should check for witnesses at the scene of the accident and take down their contact information. You might not think that it’s necessary, but you might be surprised. You never know if someone may have information that could help you or your case. You also might be able to get the witness’s insurance information so that you don’t have to deal with this at a time when you’re already feeling overwhelmed and stressed. These days, many people have smartphones, which are excellent tools for recording information. If someone else happens to be there with you, you can ask them to start recording with their phone. This way, you’ll be able to get the information you need and they’ll be able to help you out at the same time.

Contact your car insurance company as soon as possible

The moment that you are involved in an accident, you should contact your car insurance company. If you don’t do this, you could end up losing your coverage and be responsible for the costs of your accident out of pocket. While you may be worried about the other driver or your own car and the damage that’s been done, you should try to push through this and keep your focus on the task at hand. You might be hesitant to make this call, especially if you feel that you’re at fault. However, you should know that your car insurance company does not judge you based on who was driving or who caused the accident. Instead, they evaluate your situation as a whole and then make a decision based on this.

You can negotiate on your car insurance premium after an accident

Car accident lawyer chicago langdonemison.com: If you have an accident on your car insurance record, you might be worried that you’ll have to pay a higher premium and be stuck with the same price for years. However, you can actually use this opportunity to negotiate with your insurance company and get a better premium. You may be worried that they’ll take this as a sign of weakness, but they don’t. In fact, they’re happy that you brought it up because it gives them an opportunity to work with you to get a better deal. You can start this process by asking your car insurance company what they can do to help you after the accident. They may be able to lower your premium, cover a larger portion of your medical bills, or give you a shorter payment schedule. You might also be able to get a discount if you have a safety device installed in your car or a teen driver in your household.

Repair shops are required to give you a Written Estimate

After an accident, it’s common for people to get estimates for the repairs to their car. However, many people don’t realize that these estimates are binding contracts. This means that if you accept a repair estimate from a repair shop, you’ll have to pay them whatever amount they quote you. This can be a challenge, especially if you don’t have the funds available to pay an upfront amount. For this reason, you may want to make sure that you get a written estimate from the repair shop and make sure that they are willing to work with you on payment plans. This way, you won’t have to worry about financial stress or a difficult situation.

You can ask the other driver’s health insurance provider for payment

Car accident lawyer chicago langdonemison.com: If you have a serious injury from an accident, you may be able to get money from the other driver’s health insurance provider. This is called subrogation, and it means that the insurance company will take money out of the settlement that they give you and use that money to pay your medical bills. Unfortunately, they don’t have to tell you about this, so you’re unlikely to find out unless you ask. Your best bet is to call the insurance company and ask if they have a subrogation department. Once you find that subrogation department, you can tell them about your situation and see if they’ll pay your medical bills. This usually happens when the other driver only has liability coverage, so they don’t have any money to pay for your injuries.

The other driver is required to have liability coverage

Liability coverage is required in every state, which means that you don’t have to worry about the other driver not having enough coverage for your car repairs. However, you should still keep an eye on this and have a general idea of the coverage that the other driver has. You can do this by asking them or looking through their car insurance policy. You can also learn more about liability coverage and other car insurance terms by checking out our crash course for car accident victims. Liability coverage typically pays a certain amount per accident. For example, the minimum liability coverage in Florida is $10,000 per person and $30,000 per accident. If the other driver doesn’t have enough liability coverage, you can try to negotiate with their insurance company. You might be able to get more money if they know that they don’t have enough coverage.

Your own car might be considered a “longstanding ad endorsement”

Car accident lawyer chicago langdonemison.com: If you have a classic car or a car that’s considered a collectible, you might be concerned that it will get dinged or dented in a car accident. For this reason, you may be worried about how this will affect your car’s worth. However, you should know that your car might be considered a “longstanding ad endorsement,” which means that it doesn’t get reduced. This is often seen in classic car shows or car exhibitions, where people have minor accidents but don’t get a reduction in their car’s value.

You’re allowed to repair your own car and deduct the cost from your settlement

While this isn’t common practice, many people are unaware that they can actually get parts and materials to repair their car and then deduct the cost from the settlement. This is a good idea if your car isn’t worth much, or if you are worried that the cost of repairs is going to be more than the value of your car. If you choose to do this, make sure that you keep track of all of the expenses that you incur, along with receipts. You may also want to hire a mechanic to inspect your car and make sure that it’s safe to drive.

Bottom line

After a car accident, it’s easy to get caught up in the moment, especially if you’re feeling injured or stressed. It can be helpful to take a step back and remember that there are plenty of ways to make life easier once the dust has settled. Check for witnesses, contact your car insurance company, get estimates for repairs, and get materials to fix your car. Remember that you can also negotiate on your premium, get money from the other driver’s health insurance provider, and take your time to get everything done right.

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