If you have been injured or suffered property damage in a car accident, you may wonder how to get the compensation you deserve. Tennessee is a fault state, which means that the driver who caused the accident is responsible for paying for the damages of the other parties involved. However, there are some important steps you need to take to protect your rights and maximize your recovery.
Report it and get medical attention
The first thing you should do after a car accident is to call 9-1-1 and report the car crash to the police. The police will investigate the scene and prepare an accident report that will document the facts and circumstances of the crash. You will need a copy of this report to support your claim.
You should also seek medical attention as soon as possible, even if you think your injuries are minor. Some injuries may not show symptoms right away, but they could worsen over time. Getting a medical evaluation will help you document your injuries and link them to the accident.
Exchange information and collect evidence
Before the police arrive, you can get the other driver’s information, like their name, address, phone number, driver’s license number, license plate number and insurance information. You should also take pictures of the scene, the vehicles and your injuries. These photos and videos can serve as valuable evidence.
Contact your insurance company
Even though Tennessee is a fault state, you still need to notify your own insurance company about the accident. This is because your policy may require you to do so within a certain time frame, or else you could lose your coverage. You should also check if you have any optional coverage that could help you pay for some of your expenses, such as medical payments or collision coverage.
However, you should be careful not to give any recorded statements or sign any documents without consulting a lawyer first. The insurance adjuster may try to get you to admit fault or minimize your damages, which could hurt your claim.