I was in a head-on collision with a driver going the wrong way, and I’ve sustained a fracture in my back. They are clearly at fault. Should I file a claim with their insurance, my insurance, or consult a lawyer? What’s the best next step? (Virginia)
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I’m really sorry to hear about your accident and your injury. Since the other driver is at fault, here are a few steps you might consider taking:
Seek Medical Attention: If you haven’t already, make sure you get the medical care you need for your back fracture. Follow your doctor’s advice and keep records of all medical visits, treatments, and expenses.
Document Everything: Collect all evidence related to the accident, including photos, police reports, witness statements, and any medical documentation. This will be important for your insurance claim or any legal action.
Notify Your Insurance Company: Report the accident to your insurance provider. Since the other driver is at fault, their insurance should be responsible for covering your damages, but your insurance can guide you through the process.
Contact the Other Driver’s Insurance: If you haven’t done this already, reach out to the other driver’s insurance to file a claim. They will likely initiate an investigation to assess liability and damages.
Consult with a Lawyer: Given that you have a serious injury, you might want to consult with a personal injury lawyer who can help you navigate the claims process, ensure you receive fair compensation, and deal with insurance negotiations on your behalf.
Keep Records: Maintain detailed records of your medical treatments, expenses, lost wages, and any other losses related to the accident.
Be Cautious with Settlements: Be careful about accepting any settlement offers from the other driver’s insurance before you fully understand the extent of your injuries and any future medical needs.
Take care of yourself and don’t hesitate to seek legal advice if you feel overwhelmed. Wishing you a smooth recovery!