Are you OK?
Make sure you and your loved ones are okay. Then make sure anyone involved in the accident is okay. Do not delay or assume that your injury is ‘not that bad’ or will ‘just get better.’ If you cannot be certain that everyone is uninjured, call an ambulance or 911 immediately. Get immediate expert medical attention. If your symptoms do not subside, get help.
ER or Urgent Care
Even if you didn’t require an ambulance, go to the Emergency Room or schedule a medical appointment immediately with your doctor. Even if days have passed since the accident, set an appointment. State all of your complaints even if you think they are minor or may have resolved by themselves. Get it on the record. Injuries can surface or resurface days or weeks after an accident.
Call the Police
If you have ANY injury or property damage, you will need a police report. Be prepared to state clearly to the reporting police officer how the other driver caused the accident.
Don’t be rude, but don’t accept blame for something you did not cause. Now is not the time to be gracious. Of course you are “sorry” that the accident occurred, but any apology after the accident will be construed as admitting fault for causing the accident. Speak up and place the blame where it should be.
Speak with witnesses and passengers to discover any support for your version of the events. Write down names AND contact information of everyone.
Call Your Insurance Company
Even if you are not at fault, you just may need additional coverages from your own policy. Some policies have uninsured motorist coverage, under-insured motorist coverage, medical payments coverage, bodily injury coverage, or property damage coverage. You need an experienced St. Louis personal injury lawyer to help you. Don’t rely on your own agent.
A smart phone photo of the scene and vehicles and your injuries takes the guess work out of the case. The more photos the better. Remember to do wide shots showing the scene, weather and landmarks as well as close-ups showing damage and injuries.
Don't Answer the Phone
The other party’s insurance company is not on your side. The insurance adjuster wants to record your statement to prove you were at fault or you are not injured. There is no other reason for them to call you. The other party’s insurance company makes money by NOT paying claims. Call an experienced St. Louis Auto Accident Lawyer first.
Make No Commitments
You are under no obligation to make any commitments to the other party. Simply exchange personal contact information and let them know someone will be in touch. Do not make any promises or make any statements of opinion about who was at fault. DO NOT CALL THE OTHER PARTY YOURSELF. Contact a St. Louis Personal Injury Attorney as soon as possible and let them guide you through the process.
Call a Lawyer
The defendant’s insurance company has already assigned adjusters, investigators, and attorneys to fight your claim. Hire your own St. Louis Auto Accident Lawyer to tell your side of the story from the very beginning. Don’t wait for the denial from the insurance company; it can be too late. Call a St. Louis Personal Injury Attorney as soon as possible.