If you were involved in a car accident for the first time, you may not be aware of the legal options available to you or the course of action you should take.
Car accidents can be expensive. The car damage, medical bills and wage losses can add up. There are several car accident myths that can be easy to fall for that can hurt your chances of getting compensated for crash-related expenses. Here are the leading myths to be aware of.
Myth 1: I can't be compensated for medical expenses unless I sustain a serious injury
Fact: Not all crashes cause serious injuries. Some injuries can take several days to show noticeable symptoms, particularly whiplash, mild traumatic brain injuries and soft tissue injuries. Minor injuries can get worse when you continue to go to work or fail to get proper treatment.
Getting medical attention and taking time off from work will cost money. You legally have the right to pursue a personal injury claim and obtain compensation for medical bills and lost wages. An experienced Omaha car accident attorney can advocate for you and help you get the compensation you need to cover these expenses.
Myth 2: I must make a recorded statement to the other driver's insurance company
Fact: Insurance companies often take advantage of crash victims who aren't aware of their rights. In fact, they want you to believe that you must make a recorded statement to them over the phone. That's because they rely on you to unknowingly admit you were at fault. They come across as friendly and use trick questions to accomplish this. Anything you tell them can later be used against you.
The truth is, you are not required to provide the other driver's insurance company with any statements. In fact, you are not even required to speak to them at all. Instead, it's best to consult with an attorney who can deal with the insurance companies for you.
Myth 3: I can't pursue a claim if the at-fault driver took off
Fact: Being involved in hit-and-run crash can be very frustrating. If the driver who hit you can't be identified, then you won't be able to pursue a claim against his or her insurance company.
Fortunately, uninsured and underinsured motorist (UI/UIM) coverage is required for all Nebraska policy holders. If you were injured in a hit-and-run, you may be able to recover damages from your own insurance provider. Be aware that there may be a limit on how much compensation you can receive based on the amount of coverage you have.
Myth 4: I don't need an attorney to get compensated
Fact: This is one of the biggest mistakes some people make after a car accident. Even when there is indisputable evidence that the other driver was at fault for your crash, his or her insurance company will do whatever it takes to avoid compensating you to the fullest extent.
You may receive a settlement offer from the insurance company that covers only a fraction of the damages accrued from your crash. You deserve full compensation. The only way to obtain full compensation is to hire an attorney who can place an accurate value on your claim and advocate to maximize your compensation.
To learn more, contact Ausman Law Firm P.C., L.L.O. in Omaha and schedule your free consultation.