Disclaimer: This information offered in this post is for offered for informational purposes only, and does not constitute legal advice nor does it create an attorney/client relationship. I am admitted in the state of North Carolina only and make no attempt to opine on matters of law that are not relevant to that state. This advice is based on general principles of law that may or may not relate to your specific situation. You should not rely on this advice alone and nothing in these communications creates an attorney client relationship. Seeking direct advice from an attorney in person may be advised.
Ah, this is the tricky part. Actually, all of it is tricky. I would urge you to reconsider handling this claim all alone; remember, you probably don’t do this for a living, and you’re going to be dealing with people who a) have every incentive to take advantage of you and not give you what you deserve, and b) are highly trained to get their way in these situations. Are you sure you’re willing to risk your claim by handling it on your own?
Of course if things go awry you can always try to hire an attorney later, but just remember that the more of this that gets done without an attorney, the more problems might be created for the attorney to overcome.
If you’re sure you want to handle this on your own, I believe this book may help you handle it correctly and avoid some pitfalls. So if you insist, let’s move forward:
Clearly, your main concern will be for the health and well-being of everyone involved in the accident. So of course you will want to talk to 911, EMS, and appropriate health care providers to make sure everyone’s (including your own) health care needs are being taken care of.
After an accident occurs it’s best to think of it as a criminal situation: Anything you say can and will be used against you.
After initial health care concerns are addressed you will be faced with two critical conversations: one with law enforcement and one with the auto insurance company for the at-fault driver.
In North Carolina we have a horrible relic of English Common Law known as Contributory Negligence. This doctrine holds that if you are found to have been even 1% at fault in the accident in which you were injured you can receive NO compensation from the person who is 99% at fault. In the vast majority of states a situation like that would get you 99% of your damages, but in our fine state that gets you a goose egg, nada, zip, zilch.
Now that you know that, your biggest hurdle will be avoiding making a statement that will compromise liability for your claim. In other words, don’t say ANYTHING that could possibly be construed as you accepting blame for the accident, or in any way implicating an action on your part as being even a minor cause of the accident. I tend to keep my clients from making any statements period, but that’s not always effective.
This can lead to a bit of a Catch 22: If you don’t give a statement to the cop, they may just take the other guy’s word for it and say it was your fault, which is hard to get past. But if you do give a statement, it might be used against you. Tricky. Same goes with the insurance company.
For law enforcement, I think it’s best to give your most clear and concise statement as to how the accident happened, just try to avoid saying your were at fault. For insurance company investigators, I would err on the side of not giving a statement. If you have an accident where you were hit from behind while standing still, then you can more easily argue that they should just accept liability and move on. But if it’s more complicated, then you might be in the Catch 22 where you could be darned either way. In that situation, if you don’t give a statement, they may just deny liability, meaning there will be no settlement discussions unless you file suit. So if you’re trying to avoid that, you may need to make a statement and do the best you can.
In a generic context, it’s virtually impossible for me to tell you what to say and what not to say. A lot of that will
depend on what happened in your accident. Now that you know what you are trying to avoid, here are a few points to consider:
- Always err on the side of truth. That will save you headaches in the long run.
- When answering questions, do your best to answer with yes or no, or as simply as possible.
- Don’t second guess yourself; stick to your guns and if they mis-characterize what you say, point it out to them.
- As long as it’s true, don’t state your speed of travel as even possibly being above the limit. In other words, if the speed limit was 55, don’t say you were going around 55 or 60 mph. You were going 55 on the dot. Or you weren’t. Whatever the case may be. But if you can avoid admitting to speeding, that’s good.
- Watch out for intersection accidents! Just because your light was green doesn’t mean you are clear to go; you still have a duty to look and make sure it’s safe to proceed. So if that’s your situation, make sure, as long as it’s true, you say that you looked both ways, and determined it was safe to proceed. If you saw the guy coming, perhaps it appeared that he was slowing and preparing to stop…
So hopefully you get past the statement hurdle, and your claim is accepted. So what’s next? Stay tuned for my next installment.
