Here in Minneapolis, traffic accidents are a reality. In fact, Minnesota Department of Public Safety data shows car crashes are responsible for an estimated 20% to 30% of all emergency room visits in the state each year. That’s a significant number of people who need support after an accident.
A car accident lawyer in Minneapolis can be your advocate, taking up your case and ensuring you understand your rights and receive fair compensation for your injuries.
The Essential Steps You Need to Take to Maximize Your Car Accident Compensation
Here are the steps you need to take after your car accident to ensure you get the maximum compensation that you deserve:
Seek Medical Attention
Your health is the top priority. Even if you feel okay initially, adrenaline can mask underlying injuries. Get checked out by a doctor or urgent care facility to document any injuries and begin a treatment plan.
Secure the Scene
If possible, and safe to do so, pull over to a safe location and turn on your hazard lights. Check for any injuries, and call 911 if necessary.
Document the scene by taking pictures of the damage to your vehicle, any visible injuries, and the surrounding area. If possible, exchange contact information with the other driver(s) involved, including insurance details and driver’s licenses.
Contact Your Insurance Company
Report the accident to your insurance company as soon as possible, ideally within 24 hours. This ensures compliance with your policy terms and avoids any delays in coverage. Be truthful and stick to the facts when describing the accident.
Don’t Discuss Fault
It can be tempting to apologize or explain the situation at the scene, but avoid assigning blame. Let the authorities handle the accident report, and don’t discuss the details with anyone besides the police and your insurance company representative.
Keep Records
Maintain detailed records of all accident-related expenses, including medical bills, repair estimates, lost wages due to missed work, and any other out-of-pocket costs associated with the accident.
Consider Legal Representation
Minnesota is a no-fault insurance state, meaning your own insurance company typically covers your initial medical expenses and lost wages, regardless of who caused the accident.
However, there are exceptions. If your injuries are severe, or if you believe the at-fault party’s insurance isn’t offering fair compensation, consulting with a Minneapolis car accident lawyer can be crucial.
An experienced attorney can navigate the legalities, negotiate with insurance companies on your behalf, and ensure you receive the maximum compensation you deserve.
Don’t Make These Costly Mistakes
Doing any of the following can severely hurt your chances of success in getting maximum compensation:
Leaving the Scene
Even if the accident seems minor, staying at the scene is crucial. Leaving the scene can be considered a hit-and-run offense and could negatively impact your ability to receive compensation.
Delaying Medical Treatment
Neglecting medical attention can have serious consequences for your health and your case. Prompt medical attention establishes a clear connection between the accident and your injuries.
Posting About the Accident on Social Media
It can be tempting to share details about the accident online. However, anything you post can potentially be used against you by the other party’s insurance company. It’s best to avoid discussing the accident on social media until your case is resolved.
Accepting the First Settlement Offer
Insurance companies are in the business of minimizing payouts. Their initial settlement offer might not reflect the true cost of your damages. Don’t feel pressured to accept a quick settlement – consult with a lawyer to understand the full value of your claim.
FAQs
How long can you sue after a car accident in Minnesota?
In Minnesota, you generally have six years from the date of the car accident to file a personal injury lawsuit. However, it’s important to consult with an attorney as soon as possible to ensure you meet all deadlines and filing requirements.
What if the at-fault party has no insurance?
Minnesota is a no-fault insurance state with some exceptions. If the at-fault driver has no insurance, you might be able to seek compensation through your own insurance policy under the uninsured motorist (UM) coverage, depending on your policy limits. An attorney can advise you on the specifics of your situation and available options.
