What To Do After A Car Accident

With increased dependance on cell phones and other technology, car accidents have become more prevalent throughout the United States. In fact, distracted driving is one of the leading causes of car accidents in New Jersey. According to the New Jersey Department of Law & Public Safety, the following distractions are the most common- any use of cell phones (navigation, videos, emails, texting, phone calls), changing the radio, conversing with passengers, tending to children and pets, eating and drinking. Driving requires an individual’s undivided attention. One in three accidents involve personal injury to the driver or passengers. New Jersey’s Department of Transportation reported 42,791 car accidents resulting in personal injuries in 2020. At Colacci Law Firm, we are dedicated to helping the injured receive the financial compensation deserved and wanted. 

            One of the most common questions asked is “What Should I Do after a Car Accident?” Here are a few helpful tips should you find yourself in an accident:

1. Stop and Call 911: Do not drive away from the scene of the accident, even a minor one. Keep your flashers on to prevent further accidents while you wait in your car or on the side of the road. When you are safe, call 911. A police report is important for documentation of the scene for your personal injury claim as well as for your insurance company. If you do not call the police, there is a New Jersey Self-Reporting Crash Form that needs to be filled out within 10 days of the accident.  This rule can be found at New Jersey Statues section 39:4-130.
2. Take Pictures: As soon as you can, take pictures of your vehicle after the accident. If possible, also take pictures of other cars involved in the accident. If you have visible injuries, take pictures of those. Often, there will be bruising from the seatbelt which may heal within a few days. Months later when an adjuster argues the crash was not substantial, the pictures of the bruises can strengthen the claim.
3. Collect and Exchange Information:  Important information to collect includes the drivers name, phone number, insurance information, and license plate number. Colacci Law firm advises you to limit your interactions with the other driver, and do not apologize or admit guilt. After an accident, your adrenaline is pumping, and you may want to blurt out speculative comments. If you admit fault to the police, witnesses, or insurance companies, it could hurt your chances of obtaining full compensation for your injuries and/or damages.  If there are witnesses, write down their statements and contact information as well. For insurance purposes, ask the investigating officer where to receive a copy of the accident report.
4. Seek Medical Attention: Your safety is always the number one priority, so even if you do not immediately feel injured after an accident, you should seek medical attention. Receiving medical attention quickly will strengthen your personal injury claim.  Accident-related injuries such as pain, discomfort, dizziness, and numbness can have a delayed onset of symptoms making it more difficult to prove if you wait for treatment. Even in a smaller accident, it is advised to go to the local urgent care or your family physician in case of a spinal cord injury.
5. Report the Accident to Your Insurance Company:  Notify your insurance company as soon as possible. If you have “Medpay” you are required to submit your accident-related medical bills to your insurance company. Your insurance company will provide you with their claim forms. If your insurance company offers you a settlement, it is beneficial to get a second opinion from a professional before singing any legal documents.
6. Keep a Diary: Whether you write daily or weekly, tracking your injuries and treatment can be beneficial. The diary will allow you to track your pain, as well as your receipts for medical bills and property damage. Write down dates, mileage, and time off from work due to your injury.

Protect your Rights: If you have been injured in a car accident, please contact Colacci Law Firm to discuss your case. Insurance companies often want to take statements immediately following an accident. It’s important to receive legal advice before providing a statement. According to a report conducted by the Insurance Research Council, settlements were 40% higher when claimants were represented by an attorney. Personal injury attorneys work on a contingency fee basis, meaning there is no legal fee unless the attorney recovers compensation for your injuries. Remember, the goal of the insurance company is to save money by giving you as little as possible. At Colacci Law Firm, we make sure our clients’ interests are represented to the fullest extent.