Thousands of Iowa residents end up in car crashes every year. In 2015 alone, over 54,000 traffic crashes occurred, according to data from the state's Department of Transportation.
In the event you end up in a traffic collision, you need to follow certain steps precisely. You need to avoid the following mistakes at all costs, or it will severely jeopardize your future claim.
1. Declining medical care
You always want to call 911 after a car accident. Regardless of whether you request an ambulance, one may come out, and you want to accept medical care promptly. If you refuse medical attention at the scene, then the police report will reflect that fact. The insurance company may assume you do not need medical expenses covered, and unfortunately, many injuries and medical conditions do not manifest until days after the crash.
2. Ignoring evidence
While you are at the scene, you should collect as much evidence as possible. This includes the other driver's insurance information. You should also take photos of the damage as well as any other conditions that contributed to the crash, such as a pothole in the road.
3. Admitting fault
You may assume you are primarily at fault for the accident. However, evidence could exist that shows the other driver also played a role. Do not say you are sorry, and do not say you are at fault. It is okay to check in with everyone to make sure they are safe, but do not admit to anything at this time.
4. Accepting the first offer
You need to notify your insurance provider as soon as possible, and after a couple days, you may receive a settlement offer. Settling for the first offer means your case will close, and you will be unable to get more money from your insurance company in the future if you need it.