News & opinion How to Get Paid After a Car Accident

How to Get Paid After a Car Accident

In the

fte

m

th of

<

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ef=”https://c

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yvictims.com

se

vices

c

ccident-lye

/”>c

ccident<>, most victims don’t knoh

t to do o

h

t steps they need to follo

to ensu

e they

ecove

d

m

ges fo

thei

vehicle

nd thei

inju

ies. Life doesn’t p

epe you fo

th

t. But on this p

ge,

e c

n t

y! The t

uth is, the p

ocess of m

king su

e you

ecove

youightful compens

tion begins immedi

tely

fte

the

ccident. You c

n m

ke mist

kes

t the scene of

n

ccident th

t might diminish youhole cl

im.

M

ke Su

e You T

ke the

ight Steps Immedi

tely<

h2>

s pe

<

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ef=”https://st

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Docs/TN/htm/TN.601.htm” t

get=”_bl

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el=”noopene

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no

efee

“> Tex

s Tnspo

t

tion Code § 601.004, Subch

pte

F<>

nyone

ho is involved in

c

ccident

hich

esults in d

m

ge in excess of $1,000 ony bodily inju

y must file

n

ccident

epo

t

ith l enfo

cement. Victims c

n m

ke some

ccident

lly e

o

s eithehile communic

ting

ith othe

s in the

ccident, ohile t

lking

ith l enfo

cement.

The m

in thing to

emembe

is, neve

give

ny indic

tion you

e in

ny y

esponsible fo

the

ccident. This me

ns you should not st

te you neve

s the othe

d

ive

, o

something

s simple

s s

ying you

e so

y.

hile these m

y seem like innocent comments, they could ultim

tely

educe you

settlement,

s insu

e

s

e looking to use

ny st

tements to diminish the v

lue of you

cl

im. Some othe

<

h

ef=”https://c

inju

yvictims.comt-f

ult-fo

-

-c

ccident

“>steps you must t

ke<> to p

ese

ve youights include:
  • ong>G

    the

    info

    m

    tion ong> - Obt

    in the n

    me, d

    ive

    ’s license info

    m

    tion,

    nd insu

    nce info

    m

    tion f

    om

    nyone else involved in the

    ccident. You need this info

    m

    tion to file

    cl

    im

    s

    ell

    s to file the

    ccident

    epo

    t.

    itness info

    m

    tion, if

    pplic

    ble,

    ill

    lso be helpful.

  • ong>Photogph evidence<

    st

    ong> - T

    ke photos

    t the scene if you e

    ble. Photog

    phs of the involved vehicles, ne

    by t

    ffic signs o

    sign

    ls,

    nd l

    ndm

    ks m

    y

    lso be helpful.

    emembe

    , if the

    e e neby businesses, they m

    y h

    ve su

    veill

    nce c

    me

    s th

    t c

    ptu

    ed the

    ccident. Photog

    phs

    lso help document the

    e

    the

    conditions. Photog

    ph

    ny obst

    uctions to vision.

  • ong>See

    docto

    <

    st

    ong> - One of the biggest mist

    kes c

    ccident victims m

    ke is

    efusing medic

    l

    ttention. Even if you think you

    inju

    ies e mino

    , you must see

    docto

    . Gene

    lly, it is best to seek c

    e

    t

    n eme

    gency

    oom

    nd follo

    up

    ith you

    o

    n physici

    n

    fted. Even if you suffeh

    t only seems like

    ches o

    p

    ins, m

    ke su

    e you

    sk the docto

    to tho

    oughly document you

    condition.<

    li>

  • ong>

    epo

    ting to you

    insu

    e

    ong> - Even

    hen

    n

    ccident is not you

    f

    ult you

    ill likely need to info

    m you

    o

    n insu

    nce comp

    ny

    bout the

    ccident. M

    ke no mist

    ke

    bout it ho

    eve

    , c

    ution is impo

    t

    nt.

    emembe

    , stick

    ith the f

    cts. P

    ovide them only the info

    m

    tion

    bout the

    ccident, the n

    me of the othe

    d

    ive

    ,

    nd the b

    dge numbe

    of the officeho took the

    ccident

    epo

    t if kno

    n.<

    li>

  • <
    h

    ef=”https://c

    inju

    yvictims.com

    se

    vices

    choose-best-pe

    son

    l-inju

    y-lye

    s/”> ong>Cont

    ct

    n

    tto

    ney<

    st

    ong><> -

    eg

    dless of the seve

    ity of the

    ccident, c

    ll

    n expe

    ienced c

    ccident l

    ye

    fo f

    ee consult

    tion.

    n

    tto

    ney c

    n help expl

    in you

    ights, outline you

    options,

    nd p

    ovide you

    ith v

    lu

    ble info

    m

    tion th

    t c

    n help you decide

    h

    t steps to t

    ke going fod. You h

    ve nothing to lose,

    nd eve

    ything to g

    in!<

    li>

The l

st thing you nt to do is m

ke

ny mist

ke th

t

ill dev

lue you

cl

im. Using common sense

nd seeking leg

l help is impo

t

nt

hen you

e

victim of

c

ccident.

Li

bility M

tte

s:

ho Is

t F

ult

nd Ho

to Get Them to P

y

St

te ls

equi

e eve

y d

ive

on the

o

d

y to c

y<

h

ef="https:

/

.tdi.tex

s.gov/pubs/consume

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nk”

el="noopene

nofollo

no

efe

e

"> minimum

mounts of li

bility insunce.<>

hen you

e in

c

ccident, est

blishing li

bility

ill pl

y

ole in you

e

ching

n

g

eement on compens

tion fo

you

inju

ies.

egdless of ho

much insu

nce

d

ive

c

ies, if you c

nnot p

ove they

e li

ble fo

you

inju

ies, the insu

nce comp

ny

ill not p

y fo

you

losses. Some of the potenti

lly li

ble pties

fte

c

ccident include:
  • ong>D

    ive

    s ope

    ting

    ecklessly<

    st

    ong> -

    hen

    d

    ive

    f

    ils to obey t

    ffic sign

    ls including speed limit signs

    nd c

    uses

    n

    ccident, they c

    n be held li

    ble fony inju

    ies th

    t occu

    bec

    use of thei

    <

    h

    ef=”https://c

    inju

    yvictims.comh

    t-is-

    eckless-d

    iving/”>

    eckless beh

    vio

    <>.<

    li>

  • ong>Employe

    of the d

    ive

    ong> - In some inst

    nces, the d

    ive

    m

    y d

    ive

    comp

    ny vehicle o

    o

    k fo

    idesh

    e se

    vice. Depending on the f

    cts su

    ounding the

    ccident, the employe

    m

    y be pti

    l li

    bility fo

    the losses suffe

    ed by

    victim.

  • ong>Gove

    nment

    gency<

    st

    ong> - If

    o

    d conditions

    e

    e pti

    lly to bl

    me fo c

    ccident, it m

    y be necessy to file

    cl

    im

    g

    inst

    gove

    nment entity. These cl

    ims h

    ve speci

    l

    equi

    ements

    nd m

    y be mo

    e complic

    ted th

    n simply notifying

    n insu

    nce

    gency.<

    li>

  • ong>Othe

    p

    ties ong> - You might hold othe

    p

    ties li

    ble fo

    inju

    ies you suffe

    ed in

    c

    ccident. Spe

    k

    ith you

    c

    ccident

    tto

    ney to m

    ke su

    e you kno

    h

    t documents you

    ill need to p

    ovide to sho

    othe

    pties m

    y be p

    ti

    lly li

    ble fo

    you

    inju

    ies.<

    li>

The fi

st step in

c

ccident cl

im is est

blishing f

ult. The

ccident

ill

equi

e

full investig

tion,

nd the best y to do this is to

o

k

ith

lyeho h

s expe

ience h

ndling complic

ted

ccident c

ses. It’s

l

ys

good ide

to choose someone

ho h

s

p

oven t

ck

eco

d of successful c

ccident settlements.

hile

n

tto

ney’s tck

eco

d

ill not

lys me

n they c

n obt

in

settlement on you

beh

lf,

st

ong tck

eco

d does indic

te they

dvoc

te on beh

lf of thei

clients effectively to m

ke su

e they get the compens

tion they dese

ve fo

thei

inju

ies.

Documenting Losses Befo

e Filing

Cl

im

nothe

impo

t

nt step in getting the compens

tion you dese

ve is m

king su

e you h

ve kept good

eco

ds. Eve

y insu

nce comp

ny nts to m

ke su

e they p

y

s little

s possible in cl

ims bec

use it helps keep thei

bottom line in the bl

ck. Insu

e

s get income f

om p

emiums. The mo

e p

emiums they collect, the bette

. The othe

side is th

t the less they c

n settle cl

ims fo

, the he

lthie

thei

bottom line

em

ins. Insu

e

s

ill t

ke

h

teve

leg

l steps they c

n to minimize the

mount they p

y fo

compens

tion follo

ing

n

ccident. He

e

e some of the losses you c

n incu

,

nd ho

to document them:

  • ong>Documenting medic

    l expenses ong>- You

    medic

    l bills stt mounting the minute you see the fi

    st docto

    follo

    ing

    c

    ccident. The longe

    it t

    kes you to

    ecove

    , the highe

    those bills

    ill be. Be su

    e you keep tck of e

    ch docto

    ’s visit, including visits fo

    physic

    l thepy

    nd

    eh

    bilit

    tion thepy. If you h

    ve h

    d

    su

    gic

    l p

    ocedu

    e, m

    ke su

    e you h

    ve copies of the bills foll the pties involved—

    emembe

    this usu

    lly involves bills f

    om the hospit

    l

    he

    e you h

    d the su

    ge

    y, the su

    geon,

    n

    nesthesiologist,

    nd l

    bo

    to

    y fony p

    e-

    nd post-opetive l

    b

    o

    k. Document

    ny medic

    l expenses

    ssoci

    ted

    ith the inju

    ies you sust

    ined in

    c

    ccident.<

    li>

  • ong>Lost ges follo

    ing

    n

    ccident ong> - Do not

    ssume the only compens

    tion you e entitled to follo

    ing

    n

    ccident is you

    hou

    ly

    ges o

    s

    l

    y. The

    e e othe

    types of compens

    tion you could be losing bec

    use you

    e

    t home

    ecove

    ing f

    om you

    inju

    y. This m

    y include holid

    y p

    y, sick p

    y, m

    tching deposits to youeti

    ement fund,

    nd mo

    e. T

    lk to youtto

    ney

    bout you

    t

    ue ge losses

    nd they c

    n expl

    in

    h

    t options you h

    ve fo

    filing

    lost ge cl

    im.

  • ong>Othe

    losses ong> - If they e un

    ble to complete d

    ily t

    sks due to thei

    inju

    ies, some victims find it necess

    y to hi

    e help. T

    lk to you

    lyebout this. If you c

    n document these losses, you c

    n include them in the dem

    nd fo

    the settlement of youccident inju

    y cl

    im.<

    li>

You m

y pu

sue othe

compens

tion follo

ing

c

ccident, including d

m

ge to you

vehicle

nd othe

d

m

ged pe

son

l p

ope

ty. You

tto

ney

ill discuss

ll possible sou

ces of compens

tion

ith you befo

e filing

dem

nd cl

im

ith the insunce comp

ny.

Steps to T

ke

hen

n Insunce Comp

ny Offe

s

Settlement

Being out of

o

k me

ns you h

ve less money coming in, but you

bills

em

in the s

me—

nd in some

espects, they

e highe

bec

use you must no

de

l

ith othe

costs like p

esc

iption d

ugs

nd docto

visits. This m

kes it tempting to listen e

ge

ly

hen

n insu

e

cont

cts you

nd offe

s you

settlement.

Do not get fooled!

Insu

nce comp

nies kno

full

ell you e f

cing mounting medic

l bills

nd

loss of income. Bec

use of this, they m

ke

h

t

ppe

s to be

good offend hope you

ill

ccept it immedi

tely. In some c

ses, they

ill t

y to tell you this is the m

ximum

mount they

ill offe

. They m

y even tell you the

e is no need to involve

l

ye

. Do not

ccept

ny settlement

ithout fi

st t

lking to

n expe

ienced

tto

ney.

hen

n insu

e

offe

s

settlement, the

e e “hidden” st

ings

tt

ched. Let’s s

y, fo

ex

mple, you suffen inju

y th

t

ill

equi

e futu

e su

gic

l p

ocedu

es. You

ill be out of

o

k fo

t le

st six months

s you

ecove

.

hile you m

y t

ust the insunce comp

ny to do the

ight thing, the f

ct is they

e

ttempting to minimize thei

li

bility. By offe

ing you

f

st settlement, they

e t

ying to get themselves f

ee of the possibility of needing to p

y mo

e money l

te

.

ll settlement

g

eements h

ve l

ngu

ge th

t st

tes th

t once you

ccept them, the insu

nce comp

ny h

s no futu

e li

bility. Th

t could be b

d fo

you in the long

un, especi

lly if you

inju

y

equi

es ongoing ce oesults in long-te

m sep

tion f

om employment.

Filing

Settlement Dem

nd fo

You

Losses

Once you

c

ccident inju

y lye

h

s dete

mined the full

mount of you

losses

nd you e on the

o

d to

ecove

y, they

ill send

dem

nd notice to the insu

nce comp

ny. Only

fte

this step

ill negoti

tions begin. The dem

nd to the insu

eill include the

e

son fo

the cl

im

mount

nd specify

time f

me fo

them to

espond. The insu

eill

espond

ith

counte

offe

.

inse

nd

epe

t.

You

em

in in full cont

ol of this p

ocess. You

lyeill keep you info

med of

ny offe

s m

de on you

beh

lf

nd give you thei

best

dvice

s to

h

t options e still

v

il

ble to you.

hen

l

ye

tells you they believe the insunce comp

ny is not negoti

ting in good f

ith, you

ill need to decide

hethe

o

not to file

c

ccident l

suit.

Keep in mind, you

tto

ney

ill only get p

id fo

thei

leg

l se

vices

fte

they h

ve secu

ed

settlement o

d on you

beh

lf. The go

l is

lys to fully compens

te you fo

you

losses,

nd

heneve

possible, to compens

te you fo

the p

in

nd suffe

ing

esulting f

om you

inju

ies.

<

h

ef=”https://c

inju

yvictims.com

common-c

ccident-scenios

“>C

ccidents<> tu

n you

life upside do

n. Se

ious inju

ies th

t

esult in

eeks o

months

y f

om you

job

lso imp

ct you

futu

e cee

development, you

f

mily,

nd you

co

o

ke

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t-guss

“>Ste

t J. Guss<><

figc

ption><

figu

e> In

ddition to you

body,

se

ious inju

y hu

ts you

fin

nces. In the immedi

te

fte

m

th of

n

ccident you m

y only notice the loss of income o

eduction in you

income, but the longe

you

ecove

y time, the mo

e dev

st

ting the fin

nci

l imp

ct. You don’t need to suffe

the fin

nci

l imp

ct of

n

ccident th

t

s not you

f

ult.

o

king

ith

n

tto

ney helps ensu

e the pe

son

esponsible fo

you

inju

ies is held fin

nci

lly

ccount

ble.

hile tveling the

o

dys, you do eve

ything possible to m

ke su

e you

em

in s

fe. But

hen

nothe

d

ive

h

s sho

n c

eless dis

egd fo

the s

fety of othe

s

nd you’ve p

id the p

ice in the fo

m of

n inju

y, they must be held

ccount

ble. <

h

ef=”https://c

inju

yvictims.com

cont

ct-us

“>Cont

ct<> Ste

t J. Guss Inju

y

ccident L

ye

s tod

y fo

mo

e leg

l

dvice!

>

ong>Ste

t J. Guss, Inju

y

ccident L

ye

s<

st

ong> 12777 Jones

d #297
Houston, TX 77070
(281) 664-6500

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