An auto accident, no matter how minor or severe, is scary. Once the accident is over, you may think the worst is over. However, the aftermath of a car accident in Wichita, Hutchinson or Salina may be just as bad.
You may not be certain of the extent of your injuries or maybe the other person involved in the accident wasn’t insured. It doesn’t take a huge accident to feel overwhelmed by the events that just occurred. So here are six things you can expect in the process after having an accident.
1. The insurance agent isn’t on your side – insurance adjusters try to save money for their company. This means low-balling you for an unfair settlement, tricking you into signing an auto release or recording statements that can hurt you later on. The insurance agent will do whatever it takes to keep from paying you more than possible. Be cautious when speaking to an insurance agent and always consult your personal injury attorney first.
2. Always get medical attention, even if you don’t think you’re injured – people involved in an auto accident don’t always realize the extent of their injuries. Adrenaline might be pumping and covering the pain or a person involved in the accident chooses to ignore the twinge in their neck thinking it will go away. Often times, people involved in an accident don’t realize until several days later how extensive their injuries are. By then, it may be too late. The insurance company can use this against you and say you are inventing your injuries to receive more money.
3. The insurance company will try to avoid paying you in several sneaky ways – Big insurance companies are looking out for their interests, not yours. To do so, they will avoid paying out at all costs. This means they may deny your claim or give you an unfair settlement. They may pressure you to sign papers giving them authorization to view your medical records or allow them to dig up information that could ruin your credibility.
4. Personal injury claims have a deadline – Every state has statute of limitations. In Kansas, you have two years from the date of accident to file your claim. To read more about Kansas’ statute of limitations, click here.
5. Uninsured or underinsured drivers – many people think that when in an accident with an uninsured or underinsured driver, they have to pay for the damages themselves. Kansas law actually requires your insurance policy to include coverage for this. The insurance coverage take care of financial and non-financial losses. It also includes hit-and-run accidents.
6. Signing the insurance companies release form means the case is over – Once you’ve signed an auto accident release form for your insurance company, you can’t collect any more for damages. This means if your injuries are more extensive than you thought and you collect high medical bills, acquire lost wages from time off work or spend thousands of dollars in therapy, your insurance won’t pay for it. Once you have signed the dotted line and cashed the check, any further expenses come out of your pocket.
Although an auto accident can be scary, having a knowledgeable attorney can help relieve you of extra stress and worry. The attorney’s at Ray Hodge & Associates handle the insurance company for you and do all that we can to help take away the stress so you can focus on getting your life back together.
If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recovery. Call us today at 316-269-1414 or visit our contact page here. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.
If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.
Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.