The New Year is a time for celebration, fresh starts, and looking forward to what's ahead. Unfortunately, for some Iowa residents, the dawn of a new year can bring an unexpected and unwelcome event: a car accident. If you've found yourself in this difficult situation, perhaps on a slick winter road or amidst holiday traffic, it's natural to feel overwhelmed, confused, and even stressed. This guide is designed to provide clear, professional, and reassuring information on what steps you should take if you're hurt in a New Year's crash in Iowa.
Your Immediate Steps at the Scene
Now, when it comes to car crashes, it can be chaotic. However, prioritizing safety and gathering information are crucial.
- Ensure Safety First: If possible, move your vehicle to the side of the road. This is to prevent further accidents. Make sure to turn on your hazard lights as well.
- Check for Injuries: Remember, even if you don't feel immediate pain, adrenaline can mask symptoms. So make sure to assess yourself and any passengers for injuries.
- Call 911: Always report the accident to the police or authorities. This is especially crucial if there are injuries, possible casualties, or significant property damage. A police report can be vital evidence later on.
- Exchange Information: Get the other driver's name, contact information, insurance details, and license plate number. If there are witnesses, obtain their contact information as well.
- Document Everything: If you can, it's also best to take photos and videos of the accident scene. Include the vehicle damage, road conditions, traffic signs, and any visible injuries. The more documentation, the better.
- Do Not Admit Fault: Even if you think you might have been partly to blame, avoid making any statements that admit fault. Let the investigation determine liability.
Seeking Medical Attention
Your health is paramount. Even if you feel fine at the scene, it's critical to seek medical attention promptly. Some injuries, like whiplash or concussions, can have delayed symptoms that worsen over time. A medical professional can accurately diagnose any injuries and ensure you receive the necessary treatment. You can take this as an official record of your injuries. This will soon be crucial for any potential insurance claims.
Understanding Iowa's Fault System
Iowa is an "at-fault" state. This means that the person who caused the accident is responsible for the damages. After a crash, your personal injury claim will generally be filed against the at-fault driver's insurance company. However, Iowa also follows a "modified comparative fault" rule. This means if you are found to be partially at fault for the accident, your compensation may be reduced by your percentage of fault. If you are found to be 51% or more at fault, you may not be able to recover any damages. This is why a thorough investigation and strong legal representation are so important.
Dealing with Insurance Companies
After an accident, insurance adjusters from both your own company and the other driver's will contact you. Be cautious about what you say. While it's important to report the accident to your own insurer, remember that insurance adjusters work for their company, and their goal is often to minimize payouts. It's wise to consult with an attorney before providing detailed statements or signing any documents.
How a Personal Injury Attorney Can Help
Navigating the aftermath of a car accident, especially when injured, can be incredibly complex. A personal injury attorney from LaMarca Law Group, P.C. can be your advocate, handling many of the stressful aspects so you can focus on your recovery. They can:
- Investigate the accident and gather evidence.
- Communicate with insurance companies on your behalf.
- Help you understand your rights and options.
- Negotiate for fair compensation for your medical bills, lost wages, pain and suffering, and other damages.
- Represent you in court if a fair settlement cannot be reached.
Personal Injury Attorneys in Des Moines
If you've been hurt in a New Year crash in Iowa, don't face the challenges alone. The experienced team at LaMarca Law Group, P.C. understands the complexities of personal injury law and is dedicated to protecting your rights and helping you achieve the best possible outcome. Let us help you start your new year on the path to recovery and justice.
Contact us today at (515) 705-0233 for a free consultation.