You were driving North on US 19 through Umatilla heading up to the forest. The next thing you realize a car cuts you off. You try to stop but you can't. The other driver received a ticket for failure to yield. Now, you have to get your car fixed, get a rental, your back is hurting, and you don't have time to deal with this stuff.
Here are a few tips to make the car accident process easier:
Tip 1: If you feel the slightest amount of pain, go the doctor, hospital or urgent care center immediately. I can't tell you how many people over the years failed to timely go to the doctor and they were stuck paying for their own injuries because of their inaction. Florida is a no-fault state. If your car is insured or if you have a resident relative that has a car that is insured, you will qualify for PIP. Personal Injury Protection insurance will pay 80% of your reasonable and necessary medical expenses. The amount of coverage will depend on the nature and extent of your injuries. The maximum is $10,000.00. The catch to qualify for PIP is making sure that you see a healthcare provider within 14 days of the accident.
Tip 2: Do not give the other driver's insurance company a recorded statement. You are not required to the insurance company a statement under the law and a statement doesn't benefit you. If you decide that you want to speak with the other insurance company adjuster, do so informally. Tell the adjuster that you are uncomfortable having them record your statement but you will be more than happy to speak with her.
Tip 3: Do not allow your vehicle to be fixed or totaled before you have a chance to take pictures. These pictures may be crucial evidence that you will need at a later date. Do not assume that the police, your body shop, or the other insurance company took photos. Once your car is fixed or totaled - the evidence is destroyed.
Nobody wants to be in an accident. If you follow these 3 simple tips you will be putting yourself in a good position to negotiate and settle your claim. If you have any questions about a Umatilla car accident, Call 352.267.9168.