Car accidents are often very frightening, traumatic events, but their aftermath can be trying, too -- in confusing and exhausting ways. It can be overwhelming to deal with the other motorists and insurance companies. Plus, many common myths and misconceptions about motor vehicle collisions can complicate the process even more.
Myth #1: The insurance company is fair and reasonable
The truth is that insurance adjusters do not get paid to look out for injured people; they don't care about you and your family. Instead, their job is to protect the bottom line.
In general, the insurance company will try to delay, deny and underpay as much as possible. You will probably receive a lowball settlement as a test, but in all likelihood, you will need to negotiate and fight for as much compensation as you deserve for your property damage and injuries.
Myth #2: Seeing a doctor after a minor accident is not necessary
If you get into a fender bender or other minor collision, you may not feel much pain or notice a serious injury right away. This does not mean you should forego medical assistance.
After a crash, your adrenaline may mask some symptoms of an injury. Delayed motor vehicle accident injuries are common. You should see a doctor as soon as you can so they can diagnose any underlying injuries.
Myth #3: Saying sorry is simply a nice thing to do
When you get into a wreck, you may want to apologize to the other driver simply to be courteous. However, it is not a matter of politeness. If you admit guilt in any way, it could hurt your chances of obtaining compensation from the insurance company. Avoid saying anything that sounds like you are admitting fault in an accident. Let the insurance companies and lawyers figure out who is at fault.