Common Mistakes When Filing a Utah Accident Claim
Imagine being in a car accident. You’re shaken up, your car is damaged, and you just want everything to be over. But what if a small mistake in your Utah claim costs you thousands of dollars? Many people unknowingly hurt their own cases by making avoidable errors. Don't let that happen to you. In this article, we will go over the most common mistakes when filing an accident claim and how to avoid them.
Not Seeking Medical Attention Immediately
After an accident, many people assume they are fine if there are no visible injuries. However, some injuries, like whiplash or internal damage, may not show symptoms right away. Waiting too long to see a doctor in Utah can weaken your claim because the insurance company may argue that your injuries were not caused by the accident.
How to Avoid This Mistake:
- Get checked by a doctor as soon as possible, even if you feel fine.
- Follow all medical advice and treatment plans.
- Keep records of all doctor visits, treatments, and medications.
Admitting Fault at the Scene
In the heat of the moment, it’s natural to apologize, even if the accident wasn’t your fault. However, admitting fault can be used against you later. Even a simple “I’m sorry” can be interpreted as accepting blame.
How to Avoid This Mistake:
- Stay calm and polite, but avoid admitting fault.
- Stick to the facts when speaking to the Utah police and insurance companies.
- Let investigators determine liability based on the evidence.
Not Gathering Enough Evidence
Strong evidence can make or break your Utah claim. Without proper documentation, proving fault and damages can be challenging.
How to Avoid This Mistake:
- Take photos of the accident scene, vehicle damage, injuries, and road conditions.
- Collect contact information from witnesses.
- Request a copy of the Utah police report.
Giving a Recorded Statement to the Insurance Company
Utah Insurance companies often ask for recorded statements soon after an accident. While they may seem friendly, their goal is to find inconsistencies in your story that could reduce your payout.
How to Avoid This Mistake:
- Speak with an attorney before providing any recorded statements.
- Stick to the facts and avoid speculation.
- Do not sign anything without Utah legal advice.
Accepting the First Settlement Offer
Many people accept the first offer from the insurance company without realizing it is often much lower than what they deserve. Once you accept, you usually cannot request more money later.
How to Avoid This Mistake:
- Consult with a Utah personal injury lawyer like Erik Mullins before accepting any offer.
- Calculate the full extent of your damages, including medical bills, lost wages, and future costs.
- Negotiate for a fair settlement.
Not Filing a Claim on Time
Every state has a time limit, known as the statute of limitations, for filing an accident claim. If you miss this deadline, you may lose your right to compensation.
How to Avoid This Mistake:
- Find out the Utah statute of limitations in your state.
- File your claim as soon as possible.
- Work with a lawyer to ensure all paperwork is submitted correctly and on time.
Posting About the Accident on Social Media
Insurance companies and defense lawyers often check social media for evidence that could be used against you. A harmless post about your accident could damage your case.
How to Avoid This Mistake:
- Avoid discussing the accident or your injuries online.
- Set your social media accounts to private.
- Ask friends and family not to post about your Utah accident.
Handling the Claim Without a Lawyer
Many people try to handle their accident claims alone, thinking it will save money. However, insurance companies have teams of lawyers working to minimize payouts. Without legal experience, you may settle for much less than you deserve.
How to Avoid This Mistake:
- Consult with an experienced Utah personal injury lawyer like Erik Mullins.
- A lawyer can negotiate on your behalf and ensure your rights are protected.
- Most personal injury lawyers work on a contingency basis, meaning you don’t pay unless you win your case.
Final Thoughts
Filing an accident claim can be overwhelming, but avoiding these common mistakes can increase your chances of getting fair compensation. If you’ve been in an accident, take the right steps to protect yourself. Don't rush the process, and seek Utah legal advice when needed.
Need help with your accident claim? Contact Erik Mullins today to ensure you receive the compensation you deserve.