Dallas lawyer Bob Kraft recently blogged about a surprising statement on the State Farm website written for its policyholders who have minor car accidents.
On its website, State Farm writes: “Even low-impact collisions can cause injuries, some not appearing until days after the accident.”
Bob’s response was priceless and perfect: “Wow — I promise that I have NEVER heard that statement from a State Farm adjuster, not in 41 years of handling auto accident cases. This is a true revelation!”
Isn’t it ironic that State Farm, in defending cases brought against them, frequently says that injuries couldn’t have been caused by a low-impact collision, yet they say just the opposite when properly advising their customers that they should be checked out medically even after a seemingly minor collision?
At least they got it right when advising their customers! Now if they could just tell their liability adjusters the same information, all would be well in the world!
Go here to read State Farm’s list of things to do — and not do — after a minor car accident.
Among the tips:
- Don’t drive away.
- Do stay at the scene and move your vehicle to a safe place out of traffic even if there appears to be no damage. If the other car is parked and the owner isn’t around, leave a note with your name and contact information.
- Don’t assume there aren’t injuries.
- Do assess yourself and your passengers. Even low-impact collisions can cause injuries, some not appearing until days after the accident.
- Don’t sign any documents and avoid accepting or offering cash for repairs. You may end up paying out-of-pocket to repair damage to your car that only appears minor, or you could pay the other driver more than necessary.
- Do stay calm. Take notes and photos, and exchange information with the other driver, including your name, address, phone number, driver’s license number, license plate number, insurance company, and policy number.
- Don’t assume an accident is too minor to be reported.
- Do call the police or file a report on your own. This will help your insurance agent handle your claim. An accident report could also help protect you from issues that may arise later about the extent of damage to your vehicle or injuries to you and the other driver.
For drivers in Elmira, Corning and the Twin Tiers — thanks for reading, and stay safe!