Don’t offer this information to your insurer

Driving in Miramar, like in many other places, comes with its own set of dangers. Whether it is a negligent driver or someone driving under the influence, you are at risk of an accident with another person every time you get behind the wheel. Since you may not be able to avoid every potential car wreck, it is important to know what to do in the aftermath of one.

While you probably know what to do immediately after a car crash, such as staying at the scene, waiting for the police and exchanging contact information with the other driver, you may not know the ins and outs of dealing with your car insurance company.

Do not admit fault

Even though you fully expect the other driver's insurer to compensate you for the damage to your car and your injuries, you still need to report the accident to your own insurance company. When you do so, do not make any statements that might indicate you bear even partial responsibility for the wreck. Instead, let the insurance companies come to their own determinations.

Keep your opinion to yourself

Do not offer your opinion on the accident. For example, do not speculate on how fast you were driving or how much distance there was between you and the other vehicle prior to the accident. Instead, stick to the facts, such as the time and place of the accident.

Do not use the word "whiplash"

When an insurance agent hears the word "whiplash" it usually sets off alarm bells. In many cases, insurers consider the use of this word, especially without medical documentation that backs it up, as a red flag that the person filing the claim is committing fraud. If an insurer thinks that a person, even their own customer, is trying to run a scam, the insurer will use every means available to find out the truth. If you are filing a claim for your injuries, be sure you have the medial records to prove it.

If you have suffered an injury as a result of a car accident with a reckless or negligent driver, you might be able to successfully file a claim with the insurance company. However, if you run into road blocks, you may need to consider taking legal action.

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