Being involved in a car accident can be a traumatic and confusing experience. Whether you are dealing with pain from injuries, worrying about medical bills, or trying to figure out how to get your car repaired, the entire situation can feel overwhelming. If you are reading this, it’s likely that you or someone you know has been in a car accident and you are now facing the daunting task of filing an insurance claim or seeking compensation for damages. Murray Law Firm understands that this process can be stressful, and it is completely natural to feel uncertain about the next steps.
If you are struggling with how to move forward after a car accident, you are not alone. Many people in Oklahoma find themselves in similar situations, feeling unsure about how to handle the claims process. Our team is here to help guide you through this process and ensure that you do not make costly mistakes that could hurt your case. The following are some common mistakes that people make during the claims process and how you can avoid them to increase your chances of a successful outcome.
Failing to Report the Accident Immediately
One of the biggest mistakes that people make after a car accident is failing to report the accident immediately. When you are involved in a crash, it’s important to stay at the scene and call the police as soon as possible. Reporting the accident to law enforcement creates an official record of the incident, which is crucial when filing a claim. In Oklahoma, it’s required by law to report accidents that result in injuries or property damage. Not only does this help in documenting the facts, but it also shows that you are taking the accident seriously and following legal procedures.
In addition to calling the police, it is also important to exchange information with the other party involved in the accident. You should exchange names, contact details, and insurance information. If you fail to report the accident right away, it could be harder to prove your case later on, as delays can raise doubts about what happened at the scene.
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Admitting Fault or Apologizing at the Scene
After an accident, it is natural to feel upset or worried, and you may be tempted to apologize or admit fault to the other driver or bystanders. However, admitting fault, even if you think you are partially responsible, can harm your case. Insurance companies and lawyers will look for any signs of liability on your part, and admitting fault early on could give them the leverage they need to deny or reduce your compensation.
Instead of admitting fault, focus on gathering information at the scene and stay calm. Stick to the facts when speaking with the police or insurance companies. The determination of fault should be left up to the authorities, insurance adjusters, and your attorney, not to any personal feelings of guilt or responsibility at the scene of the accident.
Not Seeking Medical Attention Right Away
Even if you do not feel like you have been seriously injured after an accident, it’s essential to seek medical attention as soon as possible. Some injuries, such as whiplash, back pain, or internal injuries, may not be immediately apparent. If you wait too long to see a doctor, it could be more difficult to connect your injuries to the accident, and this can hurt your claim.
Additionally, seeing a doctor right away helps create a record of your injuries and the treatments you are receiving. This documentation can be invaluable when building your case. It is important to follow the doctor’s advice and attend all follow-up appointments to ensure that your recovery is properly documented.
Mr. Murray and his team were very professional and helpful throughout this process. As my case was very unique, I knew I was going to need a very specific and special team to help me through this. My wife and I prayed about it and God led us to Murray Law Firm. During the first consultation I requested he pray with me about it and he was quick to agree and that is when I knew we had made the right decision. They went above and beyond our expectations and won the case. I would highly recommend this firm.” - Roger Buchanan The Murray Law Firm worked wonders for me and my needs. James Murray along with his staff are so helpful, understanding, and answered all my questions and concerns. James was able to work his magic and get things done in such a timely manner. James even made his self available by phone after hours when I was in such need. He put not only mine but my whole families worries and concerns at ease. Would highly recommend James Murray to anyone searching for a very good attorney!" - Tiara Rich Jamie is personal yet professional. He can put you at ease and make you feel safe and secure. He will be at your side through this most difficult time in your life and will keep you informed about what is going on in your case and what you can expect. His staff is always ready and willing to do everything the can to help you. Highly recommended." - Alicia Mayfield
Failing to Keep Detailed Records
Another mistake that people make during the claims process is failing to keep detailed records of the accident and any related expenses. It’s easy to forget important details in the chaos following an accident, but keeping thorough records can make a huge difference in the outcome of your case. If you are unsure about what to keep track of, it’s always a good idea to consult with an attorney who can guide you through the process.
Accepting the First Settlement Offer
Insurance companies often make an initial settlement offer soon after an accident. While this may seem tempting, it is essential to understand that the first offer is usually much lower than what you may be entitled to. Insurance companies are in the business of saving money, and their first offer is designed to settle the case quickly and cheaply, not to provide fair compensation.
Before accepting any settlement offer, take the time to evaluate the full extent of your injuries and losses. Consider factors such as ongoing medical treatments, lost wages, and pain and suffering. Consulting with an attorney can help you determine whether the offer is reasonable or if you should negotiate for a higher settlement. It is important to know that you do not have to accept the first offer and that you have the right to negotiate.
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Not Hiring an Attorney
One of the most critical mistakes that people make in a car accident case is not hiring an attorney. While it is possible to handle a car accident claim on your own, it can be incredibly difficult to navigate the complexities of the legal and insurance systems without professional help. A skilled attorney can help you understand your rights, negotiate with the insurance company, and fight for the compensation you deserve.
An attorney will also help ensure that all necessary paperwork is filed on time, deadlines are met, and that you are not taken advantage of during the claims process. Having someone who is experienced in car accident cases can give you peace of mind and increase your chances of a successful outcome.
Delaying the Claims Process
Time is of the essence when it comes to filing a claim after a car accident. In Oklahoma, you have a limited amount of time to file a lawsuit for personal injuries, usually two years from the date of the accident. Waiting too long to start the claims process can result in missing important deadlines and potentially losing your right to compensation.
To avoid delays, it is important to act quickly after an accident. Start by reporting the accident to your insurance company, seeking medical treatment, and consulting with an attorney as soon as possible. The sooner you start the process, the better your chances of securing a successful outcome.
Relying Too Much on the Insurance Company
Insurance companies may seem like they are on your side, but it is important to remember that they are ultimately looking out for their own interests. Many people make the mistake of relying too heavily on the insurance company to provide fair compensation. While they are obligated to pay out claims, they often offer less than what you deserve, especially if you do not have an attorney to advocate on your behalf.
It is important to be cautious when dealing with insurance adjusters. Do not agree to anything until you fully understand the value of your case. If you feel that the insurance company is not offering you a fair settlement, an attorney can help you negotiate or take legal action to get the compensation you are entitled to.
The car accident claims process can be overwhelming, but by avoiding these common mistakes, you can improve your chances of getting a successful result. The most important thing to remember is that you do not have to go through this process alone. Our team at Murray Law Firm is here to help you navigate the claims process, protect your rights, and fight for the compensation you deserve. If you have been involved in a car accident in Oklahoma, don’t hesitate to reach out to us for a consultation. We are committed to helping you achieve a positive outcome in your case and ensuring that you get the justice you deserve.