A head-on collision represents one of the worst types of auto accidents. Two vehicles that collide head-on travelling at slow speeds can generate a considerable amount of property damage. Add to that the injuries suffered by the drivers and passengers of both vehicles, and you have the perfect storm for an expensive insurance claim. How do you improve the chances of getting an insurance claim approved?
You have to follow the top five things to do after a head-on collision.
Get Law Enforcement Involved
Head-on vehicle collisions should require the presence of at least one police officer to clear the scene of debris, as well as conduct a thorough investigation that determines what exactly happened. A law enforcement officer will canvas the surrounding area to write down the account of witnesses to the accident.
Anecdotal evidence is supporting information for the physical evidence collected by the law enforcement officer. He or she will take numerous photographs of the accident scene, including shots of the damage done to both vehicles and the condition of the weather at the time of the head-on collision.
It is also important for the police officer to capture images of the tire tracks, which can help prove whether one or both vehicles were moving above the speed limit.
Receive Medical Care
A head-om collision can cause injuries as mild as a short-lived headache or as severe as multiple fractures. Regardless of the type of injuries you have to endure, you have to seek medical care to treat the injuries, as well as document every procedure conducted by your healthcare provider.
You cannot expect to win an auto insurance claim for medical expenses, if you do not back up your claim with plenty of documented evidence. You also can submit employment records that document that you missed work because of the severity of your injuries.
Repairing Your Vehicle
Imagine the damage done by two bulls that lock horns in the middle of a ring. The power of each bull combined with the speed of attack can result in one or both bulls hitting the ground. Look at a head-on vehicle crash the same way. The front end of most vehicles represents the strongest part of the car. Factor in a high rate of speed, and you have the potential of having to deal with a totaled car.
After a head-on collision, you will have to take your car into an insurance company approved auto mechanic. The licensed and certified mechanic will decide whether your vehicle can be salvaged. If it cannot be salvaged, then you will have to submit an insurance claim that asks for compensation to cover the cost of a new vehicle.
Get Legal Help
Submitting a car insurance claim to cover the costs associated with a head-on collision can take months, if not more than a year to resolve. That is, if you submit a car insurance claim on your own. Insurance companies are backed by adjusters that perform meticulous investigations into every auto accident case. You can expect the insurance adjuster in your case to examine every piece of evidence submitted with the claim.
By working with a state licensed personal injury attorney, you increase the likelihood that your insurer will approve your claim. Schedule a free initial consultation with an experienced personal injury lawyer to determine the best course of legal action.
