Tag Archives: car accident

19 Common Questions Insurance Adjusters Ask After a Car Accident

If you are the victim of a car accident, you will need to contact your insurance company about the crash. To prepare you for your interview with the insurance adjuster, here are 19 common questions you may encounter.

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  1. Could you please state your full name?
  2. Do you understand that this interview is being recorded?
  3. Is this interview being recorded with your permission?
  4. What is the year, make, and model of the vehicle that you were driving at the time of the accident?
  5. Are you the registered owner of the vehicle?
  6. Were you using the vehicle for any type of business use?
  7. What was the date of the accident?
  8. What was the time of the accident?
  9. What was the location of the accident?
  10. In what direction were you driving?
  11. How did the accident occur?
  12. Did the weather contribute to the accident?
  13. Did other vehicles contribute to the accident?
  14. Was the traffic heavy that day?
  15. Did your airbag deploy?
  16. Were you wearing a seat belt?
  17. Were there any witnesses to the accident? What are their names and contact information?
  18. Did the police come to the scene of the accident? What’s the officer’s name and badge number?
  19. Do you have bills, receipts, or any other paperwork related to the accident?

For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

 

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Traps You Might Face When Giving a Recorded Statement

Once you’ve been in an accident and file a claim, an insurance claims adjuster will probably contact you a few days after your collision to take a recorded statement.

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On one hand, giving a statement helps speed up the investigation and settlement of the claim. However, it also serves no legal purpose and could ultimately weaken your case.

Unfortunately, some claims adjusters will use recorded statements to try to hurt your claim by making you slip up.

Examples of Questions

What were you doing immediately prior to the collision?
Where were you going?
What direction were you traveling?
If during the day, where was the sun?
Was there a glare on your windshield?
Were you on time or late?
What was the speed you were traveling?
Was anyone else in the car?
Was the radio on?
Where were you looking immediately prior to the collision?
How far away from you was the defendant when you first noticed him?
What did you do to try to avoid the collision?
Did you honk your horn?
Did you deny any medical treatment?
Did you take any sick days?
Has the pain resolved by now?

Any answers you give in a recorded statement, which may have been “best guesses” at the time, may haunt you later in the litigation process. Do not participate in a recorded statement without hiring and consulting with your attorney. This will prevent the adjuster from getting too far off track, and it will ensure you receive a copy of your own statement for later review.

For more tips like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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Should you stack your car insurance coverage?

At least 1 in 7 drivers is uninsured. If you get in a car accident and don’t have prudent insurance planning in place, you will be limited to the liability insurance coverage purchased by the driver who negligently injured you.

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On a state-by-state basis, minimum per person liability coverage can range from $10,000 to $50,000, with the vast majority of states requiring between $15,000 and $25,000. That may sound like a lot of money, but what if you require extensive hospitalization, long term rehabilitative therapy, or are out of work for an extended period of time?

What is stacked insurance coverage?

Stacking helps you pay for post-accident medical and property expenses after you’re hit by a driver who lacks sufficient (or any) liability coverage. It’s a way to combine your liability coverage limits if you insure multiple cars.

Example

Let’s say you have two separate car insurance policies: one for your truck and one for your car. You buy $50,000 of uninsured motorist bodily injury (UMBI) coverage for each. Then, it happens—an uninsured driver slams into your truck. Your truck is totaled and you’re hurt in the crash. If you stacked your UMBI coverage, you’ll be able to file a claim under both policies if needed. So, if your injury bills exceed one policy’s $50,000 limit, you have an extra $50,000 to work with from the car’s policy, as long as each policy is in your name.

For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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Steps To Take After a Car Accident

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1. Move to a safe area (if you can)

If it’s safe to do so and you aren’t seriously injured, move your car out of further harm’s way, like to the shoulder of the road. If moving your car just isn’t possible, flip on your hazards to warn other drivers that your vehicle isn’t going anywhere any time soon.

2. Stop your vehicle and get out

Make sure your car is no longer moving, turn off the engine, shift into park, or set the hand brake if you drive a manual. Take a moment to catch your breath. Check to make sure it’s safe to get out of your car before opening the door. If you have flares or similar road safety items, consider using them.

3. Check on others involved

Check on all the other parties involved, including drivers, passengers, and pedestrians, to make sure no one is hurt. Call 911 if anyone may be injured. Even a seemingly minor symptom like dizziness should be checked out by a health care professional.

4. Call the police to the scene

Even in minor accidents, a police accident report can prove invaluable when dealing with your car insurance company and other drivers. Cooperate fully, but avoid admitting fault or blaming others while at the scene. Let the police objectively judge events and determine who, if anyone, is at fault in the crash.

If the police can’t make it to the scene (which is more likely if there are no injuries), you can file an accident report through your state’s DMV.

5. Gather info

Try to write down as much info as possible in the accident aftermath, including:

  • Driver and passenger names
  • License plate numbers
  • Insurance info
  • Makes and models of all vehicles involved
  • Contact info for any eyewitnesses
  • Location of the accident
  • The name and badge number of any responding police officers

6. Document the scene

If you have a smartphone with a camera, snap some photos of the accident scene. They’ll come in handy during the claim process.

Check out more information here.

7. Grab a Copy of Plaintiff 101

Wanting to read on the go, on your phone, computer or tablet? You can grab a copy of Plaintiff 101 on Kindle today! plaintiff-101-cover-audio

 

#1 Amazon Best Seller! As seen on Daytime TV, ABC & Bay News 9.
As my life hung in the balance after a tragic car accident caused by a drunk driver, I promised to spend the rest of my life helping others if I were to survive. Despite sustaining a traumatic brain injury, I am the founder and president of Fulfill Your Destiny, Inc., a 501(c)(3) non-profit dedicated to helping people whose careers have been altered by injury or other unforeseen circumstances. This book is to help other personal injury survivors contemplating litigation, or already involved in litigation. You should be able to navigate these troubled waters ever so slightly easier because of our experience and advice. We’re hopeful that plaintiffs’ attorneys will see the benefit of providing this book as a teaching tool to their clients so as a team you can win your case!


Grab your copy of the Amazon Best Seller here!

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