Getting into a car accident can be scary and confusing. You might not know what to do next or how to handle insurance companies.
Below, we answer some of the most common questions people have after a car accident in Lima, OH. Understanding these answers can help you protect your rights and make the right decisions after a crash. Please do not hesitate to contact our Lima car accident lawyers at the Law Office of Michael J. Tremoulis for help today at (419) 404-4444.
What Should I Do Right After a Car Accident?
After a car accident, the first thing to do is stay calm. Check yourself and others for injuries. If anyone is hurt, call 911 right away. Even if the accident seems small, you should still call the police so there is an official report.
After making sure everyone is safe, move your car to the side of the road if possible to prevent more accidents. Exchange information with the other driver, including names, phone numbers, and insurance details. If there are witnesses, ask for their contact information. Taking pictures of the scene can help with insurance claims or legal actions.
When Should I See a Doctor After an Accident?
You should see a doctor as soon as possible after a car accident, even if you feel fine. Some injuries, like whiplash or internal bleeding, might not show symptoms right away. A doctor can check for hidden injuries and start treatment early.
Waiting too long to see a doctor could also hurt your insurance claim. The insurance company might say your injuries are not serious if you did not get medical help right away.
If you don’t have health insurance, there are still options for medical care. Some doctors and chiropractors treat accident victims with payment plans or work with lawyers to delay billing until your case is settled. Getting medical help quickly is important for both your health and your case.
Do I Need to Call the Police for Every Car Accident?
In Ohio, police are required to file a written report after a car accident investigation if there were injuries, deaths, or more than $1,000 in property damage. Even if the accident seems minor, having a police report can help with insurance claims.
The report will have important details, like where the accident happened, who was involved, and what the officer thinks caused it. This can be useful if the other driver changes their story later.
If the police do not come to the scene, you should still report the accident to the nearest police department. You may also need to file a report with the Ohio Bureau of Motor Vehicles if the damage is significant. Having a record of the accident can help protect you if legal issues arise later.
How Long Do I Have to File a Car Accident Claim in Ohio?
In Ohio, you typically have two years from the date of the accident to file a claim for injuries or property damage. This is called the statute of limitations. If you wait too long, you may lose your right to get compensation.
It is best to start your claim as soon as possible. Evidence like witness statements, medical records, and photos can be harder to get over time.
If you are dealing with an insurance company, be careful about accepting a quick settlement. Insurance companies may offer less money than you deserve. A lawyer can help you understand if the offer is fair and negotiate for more if needed.
Should I Talk to the Insurance Company After a Car Accident?
You will need to report the accident to your insurance company, but be careful when talking to the other driver’s insurance. They might try to get you to say something that can be used against you. Stick to the basic facts and do not admit fault. If the insurance adjuster asks for a recorded statement, you should talk to a lawyer first.
Insurance companies often try to settle claims quickly and for less money. They may pressure you into accepting a low offer. Before signing anything, make sure you understand all settlement terms. A lawyer can help review the offer and make sure you get fair compensation for your injuries and damages.
What If the Other Driver Doesn’t Have Insurance?
If the other driver does not have insurance, you may still have options. If you have uninsured motorist coverage, your insurance can help pay for your medical bills and damages. Check your policy to see if you have this coverage. If you do not, you may have to pay out of pocket or take legal action against the other driver.
Ohio law requires drivers to have insurance, but not everyone follows the rules. If you are in an accident with an uninsured driver, a lawyer can help you explore your options. They can assist in finding ways to recover compensation even if the other driver is not insured.
Call Our Lima Car Accident Lawyers for Help
If you were in a car accident in Lima, OH, you do not have to handle everything alone. Our experienced car accident lawyers can help you understand your rights, deal with insurance companies, and fight for the compensation you deserve.
We offer free consultations, so you can get answers to your questions without any risk. Contact our law firm today to learn how we can help with your car accident case.
