What information matters after a collision?
The location and movement of the vehicles, visibility, road conditions and statements made at the scene may all matter. A crash report is useful, but it may not contain every fact needed to evaluate liability.
Preserve photographs, video, witness information, repair estimates and communications with insurers. Keep treatment records and documentation of time missed from work. Do not put yourself in danger to gather evidence or obtain records you are not entitled to access.
Commercial vehicles and multiple parties
When a collision involves a commercial vehicle, the investigation may need to address the driver’s work, the vehicle’s maintenance and the involvement of other businesses. Records can be controlled by several parties, so identifying and preserving relevant information early can be important.
The involvement of a large vehicle or a business does not establish fault by itself. The claim still depends on the evidence and the applicable legal duties.
What if the other driver’s insurance is not enough?
Your own policy may contain coverage that needs to be evaluated, including uninsured or underinsured motorist coverage. The policy terms, available limits and facts of the collision matter.
Before accepting a liability settlement or signing a release, have the effect on other potential claims reviewed. A payment from one insurer does not automatically resolve every coverage question or establish the amount another insurer owes.
Keep the injury and property issues organized
Repair or total-loss questions may move on a different schedule from an injury claim. Keep the records separate and read any release carefully so you understand which claims it addresses. Tell your attorney about all payments, settlement proposals and deadlines identified by an insurer.
Request a case review
Call Harrell & Paulson at (972) 932-4412. Have the collision date, location, insurance information and any upcoming response deadline available when you call.