Common Mistakes to Avoid After an Accident Flashcards

Why is it a mistake to apologize at the scene of an accident?

Answer: An apology can be interpreted as an admission of fault

Any apology at the accident scene can be used by insurers or opposing counsel as an admission of liability, damaging your claim.

What is the mistake of leaving the accident scene before police arrive (in a state requiring you to stay)?

Answer: It can be charged as a hit-and-run, resulting in criminal liability

Leaving the scene of an accident involving injury or significant property damage before reporting it is a criminal offense in all US states.

Why is it a mistake to delay seeking medical treatment after an accident?

Answer: Delays allow the insurer to argue that your injuries are unrelated to the accident or not serious

Gaps in medical treatment are seized upon by insurers as evidence that injuries were not serious or were caused by something other than the accident.

Why should you never accept the first settlement offer from an insurance company?

Answer: First offers are typically lowball amounts before the full extent of injuries and damages is known

Initial settlement offers are deliberately low and often made before the full scope of injuries, medical costs, and long-term impacts are known.

What is the danger of settling too quickly after an accident?

Answer: You may not yet know the full extent of your injuries, leaving future costs uncovered

Settling before reaching maximum medical improvement means you could be left covering significant future medical costs out of pocket.

Why is it a mistake to handle an accident claim without a lawyer when injuries are involved?

Answer: Without legal expertise, you are likely to accept far less than the full value of your claim

Studies show that accident victims represented by lawyers receive significantly higher settlements on average than those who negotiate on their own.