First, and most
significantly, sorry if you have been injured. We hope you are
convalescing.
Following any
injury, the most important first step is to obtain appropriate medical
attention as soon as possible. Don’t shy away from an ambulance or
hospital. It is better to be overly cautious.
Contact the
police. Even if the incident seems relatively mild or inconsequential, it
is always wise to file a report. What seemed like nothing to worry about
at the time often changes. Additionally, insurance companies usually want
an official document to process a claim.
It is very
common to be experiencing some level of confusion, if not shock, following a
traumatic event. Thinking of what might be necessary tomorrow is usually
not what we think of first. For this reason it is good to be
forearmed. Cell phones usually have a camera. Take
photographs. Ask people who may have witnessed the incident for their
contact information.
Report the
matter to your insurance company as soon as practicable. There are
generally very strict filing deadlines. Some of which may be extremely
short. It is very important not to speak with any insurance company other
than your own. This is true even if the other company happens to be the
same as your company. They are not on your side, they do not offer a good
hand, they are not a good neighbor, and they are not looking to save you 15% or
more.
