Common Mistakes That Can Hurt Your Auto Accident Claim in Alabama

Auto accident claims, insurance claims, and possible legal issues make it especially difficult to recover from an auto accident in Alabama. On top of that, you have the other party’s insurance company angling to minimize your settlement.

That’s why it’s important to have an experienced car accident lawyer advocating for you. Attorney Aaron Luck at McPhillips Shinbaum is here to fight for you. Call us at 334-262-1911 to set up a consultation now.

Not Gathering Important Evidence

Unfortunately, the minutes immediately after a car accident are the best time to gather evidence—and it’s the same time that you are the most shaken and unable to think clearly. Failing to use this time well can seriously harm your claim. Focus on taking clear photos of the accident scene, the vehicles involved, and any visible injuries. Take your time and capture different angles and close-ups so your attorney has their pick of shots.

Don’t forget to get witness statements if there are people who saw what happened. Ask for their contact information so they can provide an account of the events if needed. These witness statements can be very helpful in supporting your version of what happened.

Additionally, keep a record of everything related to the accident. It’s better to have too much documentation versus too little. This includes medical bills, repair estimates, and any other expenses you incur as a result of the accident.

Not Involving the Police with Auto Accident Claims

One of the first things you should do is contact the police. Regardless of the severity of the crash, an official police report can be very helpful for your claim. This report provides an unbiased account of the incident.

The police report can serve as a reliable piece of evidence when dealing with insurance companies or in court. Without it, you may find it harder to prove what happened, especially if the other driver disputes your version of events. The police can also document any visible injuries and damages, which can be critical for your claim.

Some people hesitate to call the police, thinking it’s unnecessary for a minor accident, but this can be a mistake. Even small accidents can lead to bigger issues later on, and having an official report can save you a lot of trouble.

Being Too Apologetic

After a car accident, it’s natural to feel stressed or shaken. It’s normal to instinctively say “I’m sorry,” thinking it’s a polite way to handle the situation. However, saying sorry can be seen as admitting fault—and that can hurt your auto accident claim. Even if you feel you might be partly to blame, it’s best not to discuss fault at the scene. Instead, focus on exchanging information with the other driver and let the police and insurance companies determine what happened.

Opening Up to the Other Party’s Insurance Company

When dealing with the other party’s insurance company after a car accident, be cautious about what you say. Their main goal is to save money, not to help you. If you do choose to speak to them, keep your answers brief.

However, consider not talking to them at all. Instead, direct their questions to your attorney. Professionals can help you handle these conversations and make sure your rights are protected.

Remember, the other party’s insurance adjuster is trained to ask questions in a way that might make you admit to things you didn’t do or downplay your injuries. By limiting your interactions and seeking advice, you can keep your claim strong.

Trying to DIY Personal Injury Claim & Auto Accident Claims

Handling a personal injury claim on your own can seem tempting, especially if you want to save on legal fees. However, this approach can be risky and may end up costing you more in the long run.

Insurance companies have their own legal teams and adjusters who are skilled in minimizing payouts. Going up against them without proper legal representation can put you at a disadvantage. An attorney can level the playing field and advocate for your best interests, helping you avoid common pitfalls and mistakes.

Reach Out to McPhillips Shinbaum Today

You don’t have to go through this challenging time alone. Call our firm at 334-262-1911 and ask for Attorney Aaron Luck, or fill out our online contact form