Car accidents are stressful, and after the initial shock, you may wonder whether filing an insurance claim is worth it—especially if the damage seems minor. However, failing to file a claim can have serious consequences, particularly if the other party isn’t honest. If you’ve been in an accident, Better Call Sahar—Your Imperial Beach Injury Lawyer for a FREE consultation TODAY.
The Risk of Not Filing a Claim
By choosing not to file a claim, you leave the door open for the other party to change their story. Even if you were not at fault, the other driver might later claim that you were. If they file a claim against you, proving your innocence isn’t always easy. You could be held liable for damages you didn’t cause.
Let me tell you a story about one of our clients, Michael K. [Disclaimer: Names, locations, and specific details in this story have been changed to protect the privacy of the individuals involved.]
Michael was driving home from work one evening when another driver, Tom, ran a red light and crashed into his car. The accident wasn’t life-threatening, but Michael had been hurt. When they pulled over, Tom immediately apologized. He admitted fault, saying he wasn’t paying attention.
They exchanged contact information, took photos of the scene, and parted ways.
Michael, wanting to avoid the hassle of a claim and attending doctor appointments, decided not to file an insurance claim.
He had some injuries, but didn’t go to the doctor. Since he didn’t file a claim, he would have to cover his medical expenses out of pocket and endure lingering pain for years.
Michael tried to just move on with his life as best he could. Then, out of nowhere, Michael received a letter—Tom filed a lawsuit against him!
Tom had completely changed his story. He claimed that Michael had run the red light and caused the crash. Not only that, but Tom was now seeking damages for injuries he allegedly sustained. It became a messy legal battle, with Michael scrambling to gather evidence to defend himself.
Luckily, in this case, the truth prevailed and Michael won the case. (Good lawyers can make a big difference.) But not everyone is so lucky. If Michael had lost the case, he could’ve ended up with a point on his license and an increase in his insurance premiums. Not to mention, his injuries were never addressed and treated causing him pain and discomfort to this day!! This is why seeking guidance from a lawyer right away is crucial. If you’ve been in an accident, Better Call Sahar—Your Imperial Beach Lawyer.
Protect Yourself: Always File a Claim
Even in minor car accidents, filing a claim ensures that your facts of loss are properly documented. This documentation can protect you from false accusations and unexpected lawsuits.
Car accidents are unpredictable, and the actions you take immediately after can significantly impact your financial and legal standing. Never assume that an at-fault party will remain truthful after leaving the scene. By filing a claim and ensuring proper documentation, you safeguard yourself against potential fraud, lawsuits, and unexpected financial burdens. Also, filing a claim allows you to take time from your busy schedule to treat your injuries so that you do not have to endure pain and discomfort indefinitely.
Have you ever been in a situation where not filing a claim backfired? Share your experiences in the comments below!
It’s happened before—don’t let it happen to you.
Would you like to discuss your accident case? Better Call Sahar—Your Imperial Beach Injury Lawyer for a FREE consultation TODAY.
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