A free guide from the BuzzlineNews consumer safety desk.
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You're already represented. Since you've already hired a
lawyer for this accident, we won't pass your information to any of our
legal partners. Your guide is still yours to keep, and we've included a
few questions worth asking your attorney below.
Even without an injury, timing matters. Property damage
and other losses can still have deadlines. Your guide covers the steps
that apply regardless of whether you were hurt.
1 Get medical attention first — even if you feel fine
Some of the most common accident injuries — whiplash, concussions,
soft tissue damage — don't show symptoms for hours or days. Waiting
can hurt both your health and your ability to document what happened.
See a doctor within 24–72 hours of the accident
Tell them specifically that you were in an accident
Keep every discharge paper, receipt, and treatment note
Follow the treatment plan — gaps in care are often used against claimants
2 Document everything while it's fresh
Memory fades and evidence disappears. The week after an accident is
the most valuable window you have.
Photograph vehicle damage, the scene, and any visible injuries
Get names and numbers for every witness
Request the police report number and a copy
Write down what happened in your own words, same day
Save any dashcam, doorbell, or business surveillance footage requests in writing
3 Be careful on calls with insurance adjusters
An adjuster's job is to resolve the claim for as little as possible.
That doesn't make them dishonest — it just means the conversation
isn't designed to help you.
You are not required to give a recorded statement to the other driver's insurer
Stick to facts: date, location, vehicles involved
Avoid speculating about fault, speed, or your injuries
Don't discuss your medical history or pre-existing conditions
It's fine to say: "I'd like to review this and get back to you."
4 Don't sign a release or accept a quick settlement
The first offer is rarely the final one, and a signed release usually
ends your claim permanently — even if your injuries turn out to be
worse than expected.
Wait until you're at maximum medical improvement before settling
Get the full policy limits in writing before discussing numbers
Understand what you're giving up before you sign anything
5 Know that deadlines are already running
Most states set a statute of limitations for personal injury claims,
typically between one and three years from the date of the accident.
Some claims — especially against government entities — require
notice in as little as 60 to 180 days.
Write down your accident date and keep it somewhere you'll find it
Check your state's deadline — don't assume you have years
Government-owned vehicles and public property have much shorter windows
6 Keep one folder for everything
The single habit that separates organized claims from chaotic ones is
a single place for every document.
Police report and accident photos
Medical bills, treatment notes, and imaging
Repair estimates and rental car receipts
Pay stubs if you missed work
A running log of every call: date, name, company, what was said
7 Questions worth asking your attorney
Since you've already hired representation, here are a few questions
readers tell us they wish they had asked earlier.
Who on your team will actually handle the day-to-day of my case?
What is your fee structure, and what comes out of my recovery?
What are the key deadlines in my case, and how are they tracked?
How often should I expect updates, and through what channel?
Is there anything I should avoid doing or posting while the case is open?
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