Car accidents are commonplace on our roads, so it’s no surprise that these wrecks have spawned more than their fair share of myths. Whether it’s on Google, at family gatherings, or over coffee with friends, you’ll hear plenty of misguided advice on how to proceed with your car wreck claim.
However, don’t worry, we’re here to separate fact from fiction to give you reliable answers to your claim-related questions. In this article, we put a few of the most common misconceptions under the microscope so that you’re adequately prepared for the weeks ahead.
Myth #1: If You Played a Role in Causing the Wreck You Can’t Recover Compensation
While some states might bar you from seeking compensation if you contributed to causing the wreck, Ohio isn’t one of them. Claims in the state are subject to comparative negligence laws, so as long as you are no more than 50% at fault for the accident, you may file a claim against the other party/parties involved to recover compensation. Keep in mind that your compensation will be reduced by your percentage share of the liability.
Myth #2: You Don’t Need to Visit the Doctor If You Feel Fine
You should always undergo a comprehensive medical assessment after a wreck regardless of how you feel. Not only is it possible that you suffered an impact injury that hasn’t yet manifested symptoms, but skipping this step could also make it difficult for you to recover compensation.
For instance, the insurer might argue that your injuries can’t be as serious as you claim as you didn’t require urgent care. Alternatively, they might assert that you failed in your responsibility to take sufficient steps to mitigate damages.
Myth #3: If the Accident Is Minor You Don’t Need to Report It
Your understanding of what is a “minor” accident might differ drastically from the state’s official definition. While there’s no explicit deadline for reporting traffic accidents to the police, you are required to report any wreck that results in deaths, injuries, or more than $1,000 in property damage.
Myth #4: The Insurer Won’t Dispute Your Claim
Even if it’s clear that the other party/parties involved in the accident are at fault, there’s always a chance the insurance company will challenge your case. Ultimately, the insurer turns a profit by taking in more in premiums than they pay out in settlements, so the claims adjuster will usually have a strong incentive to find reasons to dispute aspects of your case. As such, you should make sure you gather sufficient evidence to support your version of events and avoid any errors that could be used as evidence to deny your claim.
Speak to Car Accident Attorney in Cleveland, Ohio Today
Were you injured on the road? Turn to the legal team at Obral Silk & Pal LLC to discuss your options.
Our car accident attorneys can work with you to help document your recovery and gather the necessary evidence to prove your claim. With more than 60 years of combined legal experience, we have a long history of success representing injury victims throughout the state. Contact us today at 216-502-4281 or by sending us a message using our contact form HERE to request a free case review.
