Car Accident step by step guide Part 2: watch your words

You are driving down the street and the next thing you know you are face in your airbag.  You've been hit by someone.  You don't know what happened.  What should you do?

Keep your mouth shut!!

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

What happened? Is usually the first question asked by the first responders; police, fire department, paramedics, EMT's, witnesses to the accident, etc.  What you say can be twisted to whatever the insurance company wants, remember they didn't get to be a $15 billion dollar company because they want to take care of you!

No matter what the situation is.....keep your mouth shut.  When the adjuster comes out...keep your mouth shut.  They are looking for "key" words or phrases that can and will be used against you.  Don't discuss anything personal: "I just lost my job" or "I just broke up with....." NOTHING!!

"People talk too much. Your best advice is to make sure everyone is OK and then say nothing," says Smith, who's been in the insurance industry for 27 years.

Car accidents are a very stressful situation to be in.  It is natural to "talk" because you are nervous.  But....you don't want what you say to hurt your claim and, trust me, if they can manipulate what is said, to their advantage, they will.

Don't apologize...this can be construed as an admission of guilt.  I have been in two car accidents, neither of which was my fault, and I can tell you...the first thing out of my mouth on the first one was "I'm sorry" meaning just that...not that I was guilty but I was sorry the accident happened.  That was a hurdle that we should not have had to jump through....but it did teach me for the car accident that happened later.  

So, what can you do? 

• Get to a safe place
• Make sure everyone is okay
• Call the police and, if needed, an ambulance
• Have your driver's license, registration, and auto insurance (Everything they need to know about you is on these items)
• SAY NOTHING!!!
• Call an Attorney

Learn from other's mistakes!  
In every blog in this step by step process I am going to tell you to contact an Attorney!  You need someone who will fight for you.  Stay tuned for the next step.

If you are hurt in a car accident, NO MATTER WHAT YOUR INJURIES ARE, consult an Attorney!  The best way to heal is let someone else fight your battle with the insurance companies and it is a BATTLE!!  



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Colorado Springs Office:  422 E. Vermijo Ave., Suite 412 (Map it)

Small accident, Big injuries

Some of the "smallest" accidents can cause the biggest injuries.  It doesn't take a semi truck to hit you head on to cause serious injuries.



How many times have you heard of a car that was totaled and the driver walked away without any injuries?  When this happens you say, "someone was very lucky."

How many times have you heard of a "fender-bender" and the driver sustained many serious injuries?  I know, when you hear of these you say, "Ya right, this person is milking the system."



Honestly, some of the "smallest" accidents can cause the biggest injuries. About my car accident...it was a little one....for the car that is.  For me....yes I was "looked at" as if I wasn't really hurt.... it wasn't until additional tests that were run that it was discovered I really was hurt (imagine that).

What is important to know when you are involved in a car accident is that NO MATTER how LITTLE the accident was go see a DOCTOR.

If you do require emergency care....make sure YOU or someone you trust knows what is going on and what treatment you are being provided.  Emergency Room Doctors are NOT specialists...they are there to SAVE YOUR LIFE.  It is essential that YOU or someone you trust knows what is going on.

Once you are out of the woods for a medical emergency GO SEE AN ATTORNEY!  Insurance companies are not "rich" because they pay all the claims.  Their first reaction to claims is to deny, deny, deny.  If your accident was "little" but your pain is not....you will need an Attorney to fight for your rights according to your policy!  Insurance companies have Attorneys that will fight paying you.  No matter how "smart" you are "the person who represents him or herself has a fool for a client."  (I love this saying).  I consider myself a "smart" person.  But no matter how smart you are, no matter how much of the law you know...when it is personal emotions will eventually take over.  Hiring an Attorney keeps the emotional aspect of your injuries out of the equation and focuses on the facts...and the Insurance Companies will claim they "care" about your emotions but they only deal in facts.

Don't get the "experience" at the loss of your claim.  Attorneys have the experience already, they know how to fight the big insurance companies and get what you deserve!


Like Zeisler & Associates, Attorneys at Law, PC on Facebook or visit their website for more information.

Do you have a story you would like to share?

Words that can hurt you after a car accident...more than your injuries

You are driving down the street and the next thing you know you are face in your airbag.  You've been hit by someone.  You don't know what happened.  What should you do?

Keep your mouth shut!!

"Insurance companies didn't get to be $15 billion and $20 billion (companies) because they give money away," says John Smith of Morgan Hubble Smith Insurance, based in Columbus, Ohio.

What happened? Is usually the first question asked by the first responders; police, fire department, paramedics, EMT's, witnesses to the accident, etc.  What you say can be twisted to whatever the insurance company wants, remember they didn't get to be a $15 billion dollar company because they want to take care of you!

No matter what the situation is.....keep your mouth shut.  When the adjuster comes out...keep your mouth shut.  They are looking for "key" words or phrases that can and will be used against you.  Don't discuss anything personal: "I just lost my job" or "I just broke up with....." NOTHING!!

"People talk too much. Your best advice is to make sure everyone is OK and then say nothing," says Smith, who's been in the insurance industry for 27 years.

Car accidents are a very stressful situation to be in.  It is natural to "talk" because you are nervous.  But....you don't want what you say to hurt your claim and, trust me, if they can manipulate what is said, to their advantage, they will.

Don't apologize...this can be construed as an admission of guilt.  I have been in two car accidents, neither of which was my fault, and I can tell you...the first thing out of my mouth on the first one was "I'm sorry" meaning just that...not that I was guilty but I was sorry the accident happened.  That was a hurdle that we should not have had to jump through....but it did teach me for the car accident that happened later.  

So, what can you do? 

• Get to a safe place
• Make sure everyone is okay
• Call the police and, if needed, an ambulance
• Have your driver's license, registration, and auto insurance (Everything they need to know about you is on these items)
• SAY NOTHING!!!
• Call an Attorney

Learn from other's mistakes!  

If you are injured in a Colorado car accident I highly recommend (from personal experience):

Zeisler & Associates, Attorneys at Law, PC on Facebook or visit their website for more information.

If you have a horror story about your car accident or if you have hired Zeisler & Associates, Attorneys at Law, PC please tell me about your experience.