Protecting Your Insurance Coverage After a Vehicle Accident

by | Jul 19, 2014 | Law Services

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All state laws require that drivers carry auto insurance in the event of an accident. Insurance works to help you pay for damages or injuries if you’re at fault. If you’re not at fault, insurance helps to pay for car repairs and medical expenses accrued because of the accident. But how do you protect your insurance coverage after an accident if you want to hire an attorney? Some people believe that not making any statements or filing any paperwork is the best decision when using Cincinnati car accident attorneys to file a personal injury claim. However, not filing a statement or not filing on time can actually hurt your insurance coverage and leave you without the compensation you need to pay for expenses.

Filing Paperwork and Statements

When you get into a car accident, the police expect you to tell your side of the story. It’s a natural reaction to worry about what you say being used against you when you go to court, but if you stick with the actual facts of the case and don’t embellish anything, you should be just fine. Cincinnati car accident attorneys may recommend that don’t accept any blame for the accident, but rather keep your statement to the facts of the case.

You shouldn’t refuse to give a statement because it can affect your insurance coverage. Insurance companies often use police statements to determine what happened at the accident to help them go forth with coverage. When buying an insurance policy, always check on the legal requirements of reporting accidents to the company. This will help you make a better decision at the scene of an accident regarding what information to share and what to hold back until you’ve consulted an attorney.

Filing a Personal Injury Claim

The most common claim filed following a vehicle accident is a personal injury claim. You should contact Cincinnati car accident attorneys as soon as possible following an accident to insure your statute of limitations don’t expire. If you wait too long to file a claim with an attorney, you may find that the law doesn’t allow you to file a claim after a certain amount of time has expired. Even if you don’t experience immediate injuries or have extensive car damage, always consult with a personal injury attorney as soon as possible to avoid problems with your claim.