Car accidents can happen to anyone. These crashes often cause serious injuries with long-term consequences.
Do you know what to do after an injury accident? Each step is important to protect your health and claim for compensation.
Ensure safety
Immediately move vehicles to a safe location, turn on hazard lights, and check for injuries. Call emergency services if needed and provide assistance to those injured while awaiting professional help.
Exchange information
Share names, addresses, phone numbers and insurance details with involved parties. Obtain contact information from any witnesses as their accounts can be crucial in determining fault.
Document the scene
Take photos of vehicle damage, the surrounding area and any relevant road signs or signals. Note weather conditions and capture the scene from various angles to provide a comprehensive overview.
File a police report
In Illinois, filing a police report is mandatory for accidents resulting in injury, death or property damage exceeding $1,500. Provide accurate information to law enforcement officers, and obtain a copy of the report for your records.
Seek medical attention
Injuries may not manifest immediately, and prompt medical care helps identify and address potential issues. The resulting medical records are evidence for insurance claims.
Contact your insurance company
Notify your insurance company promptly. Provide accurate details about the accident, adhering to their reporting requirements. Follow their instructions regarding documentation submission.
Understand Illinois insurance laws
Illinois follows a fault-based system, meaning the at-fault party’s insurance typically covers damages. The state uses modified comparative negligence to determine who can seek compensation and how much they might receive.
Preserve evidence
Preserve evidence related to the accident. Keep all documents, including medical records, repair estimates and correspondence with insurance companies. This evidence substantiates your claims and facilitates a smoother resolution.
Be cautious with statements
Exercise caution when providing statements to insurance adjusters. Stick to the facts and avoid speculating or admitting fault. Limit discussions to essential information.
Monitor your injuries
Monitor your injuries closely. Attend all medical appointments and follow recommended treatments. Maintaining a comprehensive record of your medical journey aids in accurately assessing damages during the claims process.
Adhere to timelines
Abide by reporting deadlines and file necessary documentation promptly. Proactive engagement helps ensure a smoother resolution.
After a motor vehicle accident in Illinois, taking these steps can streamline the post-accident process and increase your chance of receiving reasonable compensation.