We field a lot of questions from people who have been injured in a car accident. Through those conversations, we’ve discovered a number of common misconceptions that people have about personal injury claims. Below are three of the top myths that many people believe when it comes to injuries resulting from a car wreck:
YOUR INSURANCE WILL COVER ALL YOUR EXPENSES: False
Folks are often surprised to discover their “full coverage” doesn’t pay all their medical bills, lost wages, and other accident-related expenses. The reality is the at-fault driver’s insurance company is on the hook for your injuries, and it’s within their best interests to pay you as little as possible for your injury claim. Often the responsible driver will have no insurance or very little insurance to cover the injuries they caused to your property and person. This is why it is very important to make sure that your “full coverage” includes UM insurance.
THE ACCIDENT REPORT TELL THE COMPLETE STORY: False
Yes, the accident report has vital information concerning your accident, but it only tells half the story. Was the at-fault driver texting just moments before the collision? How much sleep did he/she get the night before? Does he/she have a reputation for driving recklessly? None of these questions will be answered in the accident report. Getting answers to those questions requires a detailed investigation, and that’s not something you can do on your own. The accident report can also be filled out incorrectly by the investigating officer and those errors can cause an insurance company to deny your claim.
I HAVE PLENTY OF TIME TO CALL A LAWYER: False
In the state of Alabama, the time that you have to file a lawsuit relating to your wreck is two years from the date of the wreck. However, you should an attorney as soon as possible after you are injured in a wreck. Certain information, witnesses, and other evidence may be impossible to come by if you wait too long. Calling a lawyer soon after your accident ensures vital evidence is protected, witnesses are secured, and your legal team has a head start on the insurance company. Waiting too long to call a lawyer could jeopardize your entire claim.
WE’RE HERE FOR YOU 24/7
At Cory Watson Attorneys, we have made it our mission to fight for the rights of injury victims and their families for more than 30 years, and have recovered over 3 Billion for our clients.
Call (877) 562-0000 or fill out our online form to arrange for your FREE and CONFIDENTIAL case evaluation.