Being involved in a car accident in Wichita Falls or Dallas is an unfortunate reality many drivers face at some point or another, and the consequences can be overwhelming. With all the information we have available to us through the internet, it’s easy to fall prey to myths and misconceptions which can influence critical decisions following an accident that have a substantial impact on your ability to recover for your injuries. Understanding the truth behind these myths is crucial for protecting your legal rights and ensuring you receive fair compensation. Below are some common myths about car accidents and the reality.
Myth 1: I Don’t Need to Report Minor Accidents to My Insurance
Fact:
It’s important to notify your own insurance company of the accident, regardless of how bad it is. Many people underestimate the costs associated with even minor collisions. Furthermore, failure to report an accident could jeopardize your claim if you decide to file one later. Insurance policies often require prompt reporting, and neglecting to do so can lead to complications or denial of coverage.
Myth 2: My Insurance Will Automatically Cover All Damages
Fact:
Just because you have insurance coverage doesn’t mean your insurance will automatically cover all your damages. Instead, your compensation is based on the type of coverage you have under your policy and what happened with regard to the accident. Understanding your specific policy details is crucial for knowing what to expect compensation wise.
Myth 3: I Shouldn’t Worry About Insurance if I’m Not at Fault
Fact:
If the other party’s insurance company disputes liability or if you face challenges proving fault, your own insurance can assist you in navigating the claims process. Your insurance may even provide coverage for you if the other person’s insurance isn’t going to pay. Moreover, having a record of the accident can protect you if issues arise later, such as the other party’s claim for damages or injuries.
Myth 4: I Can Handle Everything Without a Lawyer
Fact:
While some people successfully navigate the claims process independently, many find it beneficial to consult a lawyer, especially in complex cases. Insurance companies often have strategies to minimize payouts, so having an attorney can level the playing field.
Myth 5: The Other Driver’s Insurance Will Pay for My Injuries
Fact:
Compensation from the other person’s insurance company is never a guarantee. The insurance company may dispute liability or offer a settlement that doesn’t fully address your medical expenses or lost wages. It’s important to document everything related to the accident so you will have what you need to prove up your claim.
Myth 6: I Don’t Need to See a Doctor if I Feel Fine
Fact:
Injuries from car accidents can manifest days or even weeks later, particularly with conditions like whiplash or concussions. Ignoring medical attention can not only jeopardize your health but also weaken your insurance claim. If you seek treatment promptly, you establish a medical record that can substantiate your claim and demonstrate the accident's impact on your health.
Myth 7: Insurance Adjusters Are Always on My Side
Fact:
While insurance adjusters aim to settle claims, their primary goal is to protect their company’s bottom line, so they may try to minimize or deny your claim. Adjusters may downplay your injuries or pressure you to settle quickly, often before you fully understand the extent of your damages. Always be cautious when communicating with adjusters and consider consulting a lawyer before accepting any offers.
Myth 8: A Police Report Guarantees My Claim Will Be Approved
Fact:
While a police report is an essential piece of evidence, it doesn’t automatically guarantee that your claim will be approved. Insurance companies may interpret the report differently, and there could be conflicting evidence or witness statements that impact liability. A report helps establish facts, but it’s only one part of the overall claims process.
Contact a Wichita Falls and Dallas Car Accident Lawyer
If you or anyone you know has been in a car accident in Wichita Falls or Dallas, contact our car accident lawyer either by calling one of the numbers listed below or filling out our contact form. For Wichita Falls car accidents, contact us at 940-569-4000. For Dallas car accidents, contact us 945-295-0014. We will give you a free evaluation of your case and offer you helpful information on how to proceed.