In an episode of the classic television show, “The Brady Bunch,” an unscrupulous man tries to claim that he was injured in a car accident caused by Mrs. Brady. He wears a brace on his neck to court and claims that he has whiplash. The clever Mr. Brady senses the man’s insincerity and throws a briefcase on the courtroom floor. When his wife’s accuser whips his head around to see what caused the noise, he is exposed as a liar.
It is harder to prove injuries from an accident and determine who was at fault in the collision in real life.
Why You Need to Know a Few Tricks
It is essential to be wily after a crash. Insurance companies have a few tricks they employ to cheat claimants out of their due. They may try to get you to give a recorded statement describing the accident, and they may try to throw you off as you tell them what happened. They may try to pressure you into telling them that you are fine before you have even had a chance to go to the doctor. Most lawyers will tell you it is not a good idea to let them record your conversation.
They might follow you on social media to see if you admit to any fault after an accident. They may try to find pictures of you doing things that you claim not to be able to do because of your injuries.
Why do I need to prove fault in a no-fault state?
There are two different types of insurance rules in the United States; fault and no-fault. In a fault state, the person who caused the accident is responsible for paying its related bills. In a no-fault state, a person’s own insurance company will pay their accident-related bills no matter who caused the crash.
Michigan is a no-fault state. However, there are some exceptions to the no-fault law. If your medical bills exceed the amount of your personal injury protection coverage and the accident was not your fault, you may be able to sue the other driver for damages. You may also sue if your injuries are very severe or if you were disfigured because of the crash.
Before you try any tricks to prove that the other driver was at fault, it is very important to collect documentation of your accident. You must call the police and wait for an officer to arrive. You should get the names and numbers of witnesses and take pictures of the scene. You will want to exchange insurance information with the other driver.
Go to the doctor even if you feel just fine and save a copy of all your medical bills. You should also save receipts from any medicines that you take and get a note from your employer stating the number of hours you have missed from work.
How to Avoid Incriminating Yourself
Although you should never try to trick an insurance company or a law enforcement officer, there are a few facts you should know to protect yourself and your claim.
According to 1-800-Injured, you should never admit to fault at the scene. There may be factors that contributed to the accident of which you are unaware. You should make a note of the weather conditions that existed on the day of the accident. You should try to observe anything that might have impaired your vision when you are driving.
Hire an Attorney
The most important thing you should do when you have an accident is to hire a personal injury attorney. A lawyer will know how to negotiate with an insurance adjuster. They will have an intrinsic knowledge of the law and they will be able to use it to their advantage.
Be sure to choose an attorney who has a great reputation with the Michigan State Bar. They should also be able to provide you with references from past clients.
Getting into an accident is never fun. However, if you learn a few tricks to protect yourself, you can make both a physical and financial recovery.