KNOW YOUR RIGHTS

If you have been in an accident, or a family member has been injured or killed in a crash or some other incident, you have many important decisions to make. We believe it is important for you to consider the following:

1. MAKE AND KEEP RECORDS: If your situation involves a motor vehicle crash, regardless of who is at fault, it is helpful to get a record of the police report, learn the identity of any witnesses, and obtain photographs of the scene, vehicles, and any visible injuries. Keep copies of receipts of all your expenses and medical care related to the incident.

2. YOU DO NOT HAVE TO SIGN ANYTHING: You may not want to give an interview or recorded statement without first consulting a lawyer, because a statement can be used against you. If you may be at fault or have been charged with a traffic or other offense, it may be advisable to consult an attorney right away. However, if you have insurance, your insurance policy probably requires you to cooperate with the insurance company and provide a statement to them. If you fail to cooperate, the insurance company might void your coverage.

3. YOUR INTERESTS VERSUS INTERESTS OF THE INSURANCE COMPANY: Your interests and those of the other person's insurance company are in conflict. Your interests may also be in conflict with your own insurance company. Even if you are not sure who is at fault, you should contact your own insurance company and advise the company of the incident to protect your insurance coverage.

4. THERE IS A TIME LIMIT TO FILE AN INSURANCE CLAIM: Legal rights, including filing a lawsuit, are subject to time limits. You should ask what time limits apply to your claim. You may need to act immediately to protect your rights. 

5. GET IT IN WRITING: You may want to request that any offer of settlement from anyone be put in writing, including a written explanation of the type of damages, which they are willing to cover. 

6. LEGAL ASSISTANCE MAY BE APPROPRIATE: You may wish to consult with an attorney before you sign any document or release of claims. A release may cut off all future rights against others, obligate you to repay past medical bills or disability benefits, or jeopardize future benefits. If your interests conflict with your own insurance company, you always have the right to discuss the matter with an attorney of your choice, which may be at your own expense.