Car accidents change lives in an instant. They can be caused by drunk driving, distracted driving (texting, looking at Facebook, posting on Instagram, etc.) or simply not paying attention. When you are injured in an accident you need to know some basic rules.
First, do not talk to the at-fault driver’s insurance company before speaking with an experienced personal injury attorney. In fact, it’s best to speak with an attorney before contacting your own insurance company following an accident, even if you’re not at fault.
Insurance companies do not have your best interest in mind. While they may seem friendly and helpful, it is in their best to pay you as little as possible. They will often reach out to you before you have an attorney so they can get your recorded statement. They do this to get information that they will later use against you. They also know that once you have an attorney they can’t speak to you, so this is their one chance. They know what to say and how to say it so you feel comfortable and open up. You may say something that hurts or even destroys your case without knowing it. Don’t fall for this trap. Even if your case is small and you believe it isn’t one that requires the help of an attorney, call Ed Smith, he will talk to you about your claim free of charge.
Next, while it seems unfair, it is your auto insurance company that is first in line to pay your accident related medical costs, even if you weren’t at fault. Under Colorado law you will have at least $5,000.00 in “medpay” insurance on your automobile insurance policy, unless you told your insurance company you didn’t want it. Medpay is like a small health insurance policy on your car and each person in your car will have the same $5,000.00 in coverage unless you purchased more, or rejected it. While medpay is pretty straightforward, there are ways Ed Smith can help you with your medpay so it is coordinated with your health insurance so you pay nothing out-of-pocket.
Another thing you need to know: It is extremely important to seek medical attention if you have been injured in an accident. Waiting to seek medical treatment will not only hurt your case, it may limit your ability to fully recover from your injuries which is the number one goal following any accident. By following up with necessary medical treatment you will improve your chances of a full recovery as well as document your injuries in a way that will help your case. If you wait to seek medical attention, the insurance company will claim you weren’t hurt or your injury isn't related to the accident. Also, be clear with your medical providers about all of your injuries. Take pictures of any bruising or visible injuries you have. For example, if you have a bruise caused by your seatbelt but your shoulder doesn’t hurt immediately after the accident, the pictures will help support the shoulder injury as accident related should it begin to hurt days or even weeks later.
Medical treatment help: If you need help with getting medical treatment for your accident related injuries Edward Smith can help. He works with a network of medical providers so that you can get the medical attention you need and deserve. If you have a high deductible with your health insurance or you have no health insurance coverage Edward can help. It is not uncommon for people to have medpay but no health insurance. This is also where Edward can help. He will see to it that you get the medical treatment you need so you can be on the road to recovery.
If you or a loved one has been injured as a result of a car accident, the medical bills and lost wages can be overwhelming. Edward Smith understands this and has the experience and compassion you can trust. He will fight to recover all medical costs, lost wages, pain and suffering, disability, permanency and out-of-pocket expenses related to your accident.
What to Do If You’re in an Accident
Accidents will happen in a split second, and even the most minor fender bender will leave you in shock; however, even under stress, it’s important to take a few key steps to make the strongest case for yourself in the future. If you are in an accident, the first step is to not admit fault. Make sure to take pictures of your car and its surroundings. Write down witness contact information and details as they will be clearest at the time of the accident. All of these details will be crucial to your personal injury case down the line. After you’ve made notes of your surroundings, it’s time to contact an experienced personal injury attorney who can get started on your case right away.
Car Accident Liability
When you are in a car accident in Colorado, the insurance companies might try to assign a percentage-based fault to you. If you are more than 50% responsible for the accident, you may not receive any compensation for your injuries. Having worked in the insurance industry previously, Edward Smith knows what the companies are looking for when assigning fault, and he will fight on your behalf to reduce or eliminate this percentage. The lower the percentage you receive means more money to cover medical costs and make up for wages lost while you take time off to recover.
Call Ed Smith if You’ve Been in a Car Accident
Have you recently been involved in a car accident and suffered broken bones, back or neck problems, a brain injury or other serious injuries? Be wary of the insurance’s initial offer, as they’re usually trying to get their clients the lowest payout possible to keep their profit margins high. Contact an experienced personal injury attorney who knows the ins and outs of the insurance business; Edward Smith is a former insurance company lawyer and knows how these companies think and what they do to keep the value of your claim down. Ed Smith will work hard to get you every penny you deserve .
With 20 years of personal injury experience, Ed can help with a number of common issues involved with car accidents; this includes dealing with uninsured or underinsured motorist claims, getting reimbursed from insurance companies, figuring out how you’ll pay for all of the medical bills (from the initial visit to future visits caused by recurring problems) and determining how far your benefits will take you. Your health, safety and wellbeing is our number one priority, and we work to make sure you receive the legal and medical help you deserve.