- Remain at the scene.
- Make sure you, your family and passengers are okay.
- Call 911
- Exchange insurance information with any other parties involved.
- Do not make any admissions of liability or sign any written statements.
- Contact your insurance company.
This depends on whether or not you were significantly at fault for the accident or not. If the accident was not your fault or you were not significantly at fault for the accident, the insurance company cannot raise your rates or affect your insurability.
Insurance companies may, however, eliminate your accident free discounts, even if the accident is not your fault, which in effect raises your rates.
Generally – but with some exceptions – an injured person is entitled to collect as follows from the “at fault” person or entity:
- Medical Bills (past & future for injuries related to the incident)
- Lost Wages (past & future)
- Property Damage (such as auto rental/replacement/repair, personal property, replacement, etc.)
- Intangibles (such as pain, suffering, aggravation, anxiety, mental & emotional stress & strain, loss of enjoyment of life, change of lifestyle)
Our firms works on a contingent fee agreement.