Most people that come and see me have never been in a car accident. The first time they call me it is often because their own insurer is not responding to them appropriately. At other times it is because the other driver’s insurance adjuster is badgering them with phone calls and they are just not sure whether they should be speaking with the adjuster or not.

The first thing you should do is attend to whatever injuries you have.

Whether that means going to the hospital or seeing your family doctor (or going to a local medicentre if you don’t have your own doctor) make sure that you deal first with your injuries and get some professional medical guidance.

There is no real urgency to dealing with either your own or the other driver’s insurance company.


There is a requirement to fill in some forms for your insurance company, but you can safely deal with that after the first week or so (the forms are meant to be returned to your own insurance company within 30 days after the accident, but can be provided any time practical after 30 days if you have a reasonable excuse). Do not speak with the other driver’s insurance company (or adjuster) – the only purpose they have in speaking with you is to determine ways to pay you the least amount of money they think they can get away with. They do not have your best interests at heart. Remember that all insurance companies are in business to make a profit and that an injured person is seen as a potential ‘expense’ on the insurance company’s balance sheet (this is true for your own insurance company as well as the other driver’s).

Once you have attended for your initial medical consultation, speak with a lawyer to determine what your future rights are and whether there are any specific medical issues that may have a bearing on how to run your legal case or how your rights might be impacted by such medical issues.

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