No two car accidents are exactly the same. No two injuries will heal the same way. Yet, the road map to recovery, both physically and financially, usually looks the same for everyone:
Step 1: Find medical treatment
The worst part about car accidents is that you may not know exactly how severe your injury is until much later. You might feel fine at first, but then as days go by, your injuries catch up to you. By that time, you might be in a medical crisis. Additionally, the wait may make it more difficult to claim your accident was the cause of the injury.
Step 2: File a police report
In Colorado, contacting the police to report an accident is a legal requirement. Failure to do so is a misdemeanor. But aside from the legal necessity, police investigations and reports are vital documents in any possible litigation.
Step 3: Gather evidence of your injuries
Most people have access to a high-definition camera on their smartphone. You’ll have access to your medical records and the police report. You may be able to find witnesses to the accident with relative ease.
Step 4: Report it to the insurance company
Your medical bills are going to be big. There is no avoiding that reality. To ensure you don’t face devastating medical debt, you will want to file a claim with your insurance company. While your initial claim may face scrutiny and denials, this is a necessary part of the process.
Step 0: Be cautious
While you can take many of these actions yourself, that might be counterproductive. Every step of the personal injury process is full of complications that inexperienced, wounded people may not anticipate.
There is nothing wrong with having a do-it-yourself attitude, but with a car accident injury and so much at stake, going it alone is a risky proposition.