Understanding Your Insurance Rights After an Accident: Coverage, Claims & Adjusters

June 1, 2026 · I Need Injury Help

After an accident, most injured people face the same brutal reality: insurance companies are not on your side. Adjusters are trained to minimize payouts, policies are written to confuse, and the clock is ticking. Knowing your rights is the first step toward a fair outcome.

The U.S. personal injury market exceeds $53 billion in 2026
Auto accidents account for 52% of all PI cases filed annually
Insurers routinely make first offers that are 40–65% below fair value
Injured claimants with attorneys recover 3.5x more than those who go it alone

This guide explains your insurance rights in plain language from coverage types and claim filing to adjuster tactics and legal protections. If you have been hurt, understanding these fundamentals can be the difference between a lowball settlement and full compensation.

Disclaimer: This content is provided by INIH Solutions LLC, a referral service connecting injured individuals with licensed personal injury attorneys. This is not legal advice. Submitting information does not create an attorney-client relationship.

What Insurance Coverage Applies After an Accident?

Not all accidents trigger the same insurance policies. The type of accident, the state you live in, and who was at fault all determine which coverage responds first. Understanding this layered system is critical before you file a single claim.

Auto accidents involve liability, PIP, MedPay, UM/UIM, and collision coverage
Slip and fall incidents typically trigger a property owner's general liability policy
Workplace injuries are governed by workers' compensation a separate legal system
Product liability claims may trigger a manufacturer's product liability policy

What Is Liability Insurance and How Does It Work?

Liability insurance pays injured third parties when the policyholder is at fault. It covers bodily injury and property damage up to the policy limits. It does not pay the at-fault driver's own losses.

Bodily injury liability (BIL) pays the other party's medical bills, lost wages, and pain and suffering
Property damage liability (PDL) covers vehicle repairs and other property
Minimum limits vary by state, often ranging from $15,000 to $50,000 per person
Policy limits cap what you can recover from the at-fault driver's insurer alone

What Is PIP Coverage and Who Does It Protect?

Personal Injury Protection (PIP) is a no-fault coverage that pays your medical expenses regardless of who caused the accident. PIP is mandatory in no-fault states and optional in others. It is one of the fastest ways to access medical benefits post-accident.

PIP typically covers: medical treatment, lost wages (partial), rehabilitation, and funeral expenses
Available to the policyholder, household members, and passengers
Required in states like Florida, New York, Michigan, New Jersey, and Pennsylvania
Limits range from $2,500 to unlimited depending on state law and policy tier

What Is Uninsured and Underinsured Motorist Coverage?

UM/UIM coverage protects you when the at-fault driver has no insurance or not enough insurance to cover your damages. Given the scale of the crash problem today, this coverage is invaluable. The 2026 MVA lead market reflects 6.14 million annual crashes generating over 2.44 million injuries many involving underinsured drivers.

Uninsured Motorist (UM): Activates when the at-fault driver has zero insurance
Underinsured Motorist (UIM): Kicks in when the at-fault driver's limits are too low
UM/UIM can stack with liability coverage in some states to maximize recovery
Some states require insurers to offer UM/UIM; others mandate it

Coverage Type	Who It Pays	When It Activates	No-Fault Required?
Liability (BIL/PDL)	Injured third party	When you are at fault	No
PIP	You and passengers	Immediately, regardless of fault	Yes (in no-fault states)
MedPay	You and passengers	Regardless of fault	No
UM Coverage	You	At-fault driver has no insurance	Varies by state
UIM Coverage	You	At-fault driver's limits are insufficient	Varies by state
Collision	Your vehicle	Regardless of fault	No

How the Insurance Claims Process Actually Works

Filing a claim sounds straightforward. In reality, it is a multi-step process designed with the insurer's financial interests in mind. Every step matters a misstep can reduce or eliminate your recovery entirely.

Step 1: Report the accident to your own insurer immediately
Step 2: Open a claim with the at-fault driver's insurer (third-party claim)
Step 3: Document all injuries, treatment, and property damage
Step 4: Cooperate with your insurer but understand you are not obligated to give recorded statements to the opposing insurer
Step 5: Submit a demand package once treatment is complete or at maximum medical improvement (MMI)

How Long Does an Insurance Claim Take to Settle?

Settlement timelines vary dramatically based on injury severity, liability disputes, and insurer cooperation. Simple claims can resolve in weeks. Complex cases can take years. Knowing what category your case falls into helps set realistic expectations.

Minor injury settlements: 3–6 months on average
Moderate injury cases: 6–14 months typical resolution window
Severe or surgical injury cases: 12–24 months or longer
Trial cases (roughly 4–5% of PI matters): 95–96% of PI cases settle before reaching a jury

Injury Severity	Typical Settlement Timeline	Likelihood of Trial
Minor (soft tissue, sprains)	3–6 months	Very Low
Moderate (fractures, surgery)	6–14 months	Low
Severe (TBI, spinal, amputation)	12–24+ months	Moderate
Wrongful death	12–36+ months	Higher

What Documents Should You Gather After an Accident?

Documentation is the foundation of every successful insurance claim. Adjusters look for gaps. Your job is to eliminate them entirely with organized, timestamped evidence collected from day one.

Police or incident report (obtain official copy within 10 days)
Photos and videos of the scene, vehicles, injuries, and road conditions
Witness names, contact information, and written statements
All medical records, ER reports, imaging results, and treatment notes
Bills from every provider: hospital, specialist, physical therapist, chiropractor
Pay stubs and employer letters documenting lost wages
Journal entries documenting daily pain, limitations, and emotional impact
Receipts for out-of-pocket expenses (transportation, medication, equipment)

Understanding Insurance Adjusters: Who They Work For

Insurance adjusters are employees or contractors of the insurance company. Their job is to settle claims as quickly and cheaply as possible. They are not neutral parties they have financial incentives tied to low settlements.

Staff adjusters: Direct employees of the insurer assigned to standard claims
Independent adjusters: Third-party contractors hired during high-volume periods (e.g., after catastrophic events)
Public adjusters: Work for policyholders hired by you, not the insurer
Special Investigations Unit (SIU) adjusters: Handle suspected fraud cases

What Tactics Do Insurance Adjusters Use to Reduce Payouts?

Adjusters use a predictable playbook. Recognizing these tactics in real time before you sign anything is how you protect your recovery. Each tactic is designed to get you to accept less than your claim is worth.

The quick settlement offer: A lowball offer made before you know the full extent of your injuries
The recorded statement trap: Asking for a recorded statement to lock you into inconsistencies
Delayed liability acceptance: Stalling to pressure you into a faster, cheaper resolution
Disputing medical necessity: Claiming your treatment was excessive or unrelated to the accident
Comparative fault arguments: Claiming you were partly at fault to reduce the payout percentage
Surveillance: Hiring investigators to photograph or film you in public settings
Social media monitoring: Reviewing your posts for evidence contradicting your injury claims

Should You Give a Recorded Statement to the Insurance Adjuster?

You are generally required to cooperate with your own insurer. However, you are almost never legally required to give a recorded statement to the at-fault driver's insurer. Doing so without legal counsel is one of the most common and costly mistakes injury victims make.

Anything you say can be used to reduce or deny your claim
Adjusters are trained interviewers you are not trained to be interviewed
Statements about pain levels made too early may not reflect the full injury picture
You have the right to consult an attorney before giving any statement

Your Legal Rights When Dealing with Insurance Companies

Every state has laws governing how insurers must behave. These laws are called bad faith statutes and unfair claims practices regulations. Knowing them gives you leverage and potentially additional damages if the insurer violates them.

Insurers must acknowledge your claim within a set time frame (typically 10–15 days)
They must investigate your claim promptly and in good faith
They cannot deny claims without a reasonable basis
They must pay undisputed portions of claims promptly
Bad faith violations can entitle you to damages beyond your policy limits

What Is Bad Faith Insurance and How Do You Prove It?

Bad faith insurance a legal term referring to an insurer's unreasonable refusal to fulfill its contractual obligations occurs when a company denies, delays, or undervalues a valid claim without a legitimate reason. Proving bad faith typically requires showing a pattern of conduct, not just a single disagreement.

Unreasonable denial of a covered claim
Failure to investigate within a reasonable time
Offering far less than the claim's evident value
Misrepresenting policy language to avoid payment
Failing to communicate a coverage decision within required deadlines

Insurer Obligation	Typical Deadline	Consequences of Violation
Acknowledge claim receipt	10–15 days	State insurance department complaint
Complete investigation	30–45 days	Bad faith lawsuit, penalty interest
Accept or deny coverage	15–40 days	Waiver of defenses, extra-contractual damages
Pay undisputed amounts	Promptly after agreement	Attorney fees, punitive damages

How Case Value Is Calculated: What Your Claim Is Actually Worth

Insurance adjusters use formulas. Plaintiffs' attorneys use evidence. Understanding how damages are calculated gives you a baseline to evaluate any settlement offer. Accepting too early before you reach maximum medical improvement is one of the costliest mistakes an injury victim can make.

Economic damages: All verifiable financial losses medical bills, lost wages, future care costs, property damage
Non-economic damages: Pain and suffering, emotional distress, loss of consortium, diminished quality of life
Punitive damages: Awarded in rare cases involving egregious or intentional misconduct

What Is the Multiplier Method for Calculating Pain and Suffering?

The multiplier method an approach insurers and attorneys use to estimate non-economic damages multiplies your total medical expenses by a factor between 1.5 and 5 based on injury severity. More serious, permanent injuries attract higher multipliers. Soft tissue injuries typically land at 1.5 to 2x; surgical or catastrophic injuries may reach 4x to 5x.

Minor soft tissue injury: 1.5x to 2x medical specials
Fractures requiring surgery: 2.5x to 3.5x
Permanent disability or disfigurement: 4x to 5x or higher
Wrongful death: Calculated separately using survival and dependency damages

How Do Contingency Fee Arrangements Work?

A contingency fee an attorney compensation structure where the lawyer earns a percentage of your recovery only if you win is the standard arrangement in personal injury cases. You pay nothing upfront. This aligns your attorney's financial incentives with your outcome. A $100,000 settlement with a 33% contingency fee generates $33,000 in attorney fees.

Standard PI contingency fee: 33% pre-litigation, 40% if case goes to trial
Some states cap contingency fees by statute (e.g., medical malpractice caps)
Costs (filing fees, expert witnesses, depositions) are typically advanced by the firm and deducted from the settlement
Always get the fee agreement in writing before signing

Settlement Amount	33% Attorney Fee	Net Client Recovery (Pre-Costs)	Typical Case Type
$25,000	$8,250	$16,750	Minor auto accident
$100,000	$33,000	$67,000	Moderate injury
$250,000	$82,500	$167,500	Serious injury/surgery
$500,000	$165,000	$335,000	Severe/permanent injury
$1,000,000	$330,000	$670,000	Catastrophic/wrongful death

Statute of Limitations: The Deadline That Can End Your Case

The statute of limitations the legally mandated deadline by which a personal injury lawsuit must be filed is one of the most unforgiving rules in civil law. Miss it, and your case is almost certainly dismissed forever, regardless of how strong your evidence is.

Most states: 2–3 years from the date of the accident for personal injury claims
Government entity claims: As short as 6 months with mandatory notice requirements
Minors: The clock typically starts running when the injured party turns 18
Discovery rule exception: The clock may start when you discovered or reasonably should have discovered the injury

What Are the Statute of Limitations Deadlines by State?

State deadlines vary significantly. The table below covers the most common personal injury statutes across major states. Always consult an attorney for your specific situation exceptions and tolling rules can apply.

State	Personal Injury SOL	Government Claims Notice	Discovery Rule Available?
California	2 years	6 months	Yes
New York	3 years	90 days	Yes
Florida	2 years (reduced from 4 in 2023)	3 years	Yes
Texas	2 years	6 months	Yes
Pennsylvania	2 years	6 months	Yes
Illinois	2 years	1 year	Yes

No-Fault vs. At-Fault Insurance States: A Critical Distinction

Whether your state is a no-fault or at-fault insurance state fundamentally changes how your claim works. This distinction affects who pays first, whether you can sue, and how quickly you access medical benefits. Getting this wrong at the outset can cost you coverage you were entitled to.

No-fault states: Your own PIP pays your medical bills first, regardless of fault. You can only sue if injuries meet a serious injury threshold.
At-fault (tort) states: The at-fault driver's liability insurer pays the injured party's damages. You can sue without a threshold requirement.
Choice no-fault states: Michigan, New Jersey, Pennsylvania, and Kentucky allow drivers to choose their system at policy inception.

Which States Are No-Fault Insurance States?

No-fault insurance a system requiring each driver's own insurance to cover initial medical expenses applies in 12 states. These states limit your right to sue unless your injuries exceed a statutory "serious injury" threshold defined by state law.

Florida, Michigan, New York, New Jersey, Pennsylvania (limited tort option)
Hawaii, Kansas, Kentucky (choice), Massachusetts, Minnesota, North Dakota, Utah
Serious injury thresholds typically include: fractures, permanent disfigurement, significant limitation of use of a body organ or function, or substantial full disability for 90 days

The Role of Comparative Fault in Insurance Claims

Comparative fault a legal doctrine allocating responsibility for an accident between multiple parties based on each person's percentage of fault is one of the most important concepts in personal injury law. The insurer will use it to reduce your recovery. Understanding how your state applies it determines how much you can actually collect.

Pure comparative fault: You can recover even if you are 99% at fault (California, New York, Florida)
Modified comparative fault (51% rule): You cannot recover if you are 51% or more at fault (Texas, Pennsylvania, Illinois)
Modified comparative fault (50% rule): You cannot recover if equally at fault (Colorado, Georgia, Maine)
Contributory negligence: Any fault on your part bars all recovery (Alabama, Maryland, Virginia, D.C.) the harshest rule

Fault System	Can You Recover If Partly At Fault?	States Using This System
Pure Comparative Fault	Yes, even at 99% fault	CA, NY, FL, MS, AK, AZ, KY, LA, MO, NM, RI, WA
Modified (51% Rule)	Yes, if less than 51% at fault	TX, PA, IL, CO, OH, WI, MN, OR
Modified (50% Rule)	Yes, if less than 50% at fault	AR, GA, ID, KS, ME, ND, SC, UT, WV, WY
Contributory Negligence	No any fault bars recovery	AL, MD, NC, VA, D.C.

When Should You Hire a Personal Injury Attorney?

Not every accident requires a lawyer. But most injuries involving ongoing treatment, disputed liability, permanent impairment, or government entities absolutely do. The question is not whether you can handle it it is whether you should, given what is at stake financially and legally.

You have injuries requiring more than emergency care
Liability is disputed or multiple parties are involved
The insurance company has offered a settlement that feels too low
You have missed work or suffered long-term income loss
You are dealing with a commercial vehicle, government entity, or product defect
The statute of limitations deadline is approaching

How Does INIH Solutions LLC Help Injured People Find the Right Attorney?

INIH Solutions LLC is a free attorney matching service not a law firm that connects injured individuals with licensed personal injury attorneys in their area. Submitting your information does not create an attorney-client relationship and is not legal advice. You choose which attorney to contact.

Free, no-obligation matching service you are never pressured to hire anyone
Connects you with local attorneys who handle your specific case type
Available for auto accidents, slip and fall, workplace injuries, and more
You select from attorneys matched to your location and injury type
Licensed attorneys in the network offer free initial consultations

Research confirms that speed matters enormously after an accident. Leads contacted within 1 minute convert at 391% higher rates than those contacted after 30 minutes. Waiting to get legal help costs injury victims real money.

The sooner you connect with an attorney, the sooner evidence is preserved
Early legal involvement typically results in stronger demand packages
Attorneys can stop you from making statements that hurt your claim
Free consultations cost you nothing but delay could cost you everything

Ready to find a qualified attorney in your area? Contact INIH Solutions LLC today free, no obligation, and no pressure. You decide who represents you.

The Discovery Phase: What Happens After You File a Lawsuit

The discovery phase the pre-trial legal process during which both sides exchange evidence, take depositions, and retain expert witnesses is often the most intensive part of personal injury litigation. Most cases settle during or after discovery, before reaching a jury.

Interrogatories: Written questions requiring sworn written answers from the opposing party
Depositions: Sworn oral testimony taken outside court and transcribed
Requests for Production: Demands for documents, records, photos, and communications
Independent Medical Examinations (IME): Physical exams by a doctor retained by the defense insurer
Expert Witnesses: Medical, economic, accident reconstruction, and liability experts

What Happens at an Independent Medical Examination?

An IME a medical examination arranged by the defense insurance company using a physician of their choosing is one of the most misunderstood parts of the claims process. Despite being called "independent," the examining doctor is paid by the insurer and often produces reports minimizing your injuries.

You are generally required to attend if requested (by court order or policy terms)
Bring your attorney or a support person if permitted by state rules
Document the duration IMEs are often very brief (15–20 minutes for complex injuries)
Your treating physician's opinions typically carry more weight with juries
Request the IME report in writing immediately after the examination

Tort Claims Against Government Entities: Special Rules Apply

A tort claim a civil lawsuit alleging that someone's negligent or intentional conduct caused you harm against a government entity (city, county, state, federal agency) follows different procedural rules than standard personal injury claims. Missing these special steps can permanently bar your recovery, even if the government was clearly at fault.

Most states require a formal Notice of Claim filed within 60–180 days of the incident
Federal tort claims against U.S. government agencies require filing under the Federal Tort Claims Act (FTCA)
Sovereign immunity limits but does not eliminate the right to sue government entities
Claims against municipalities often involve dangerous road conditions, police misconduct, or public transit accidents

How the Nuclear Verdict Trend Affects Insurance Negotiations

Nuclear verdicts jury awards exceeding $10 million, particularly common in commercial trucking, product liability, and medical malpractice cases have reshaped how insurers evaluate settlement risk. The threat of a nuclear verdict gives plaintiffs' attorneys significant leverage in high-stakes negotiations.

Nuclear verdicts have increased significantly in recent years, especially in trucking cases
Insurers now factor jury composition, venue, and social inflation into settlement calculations
High-profile defense verdicts are increasingly rare in sympathetic injury cases
Litigation financing has made it easier for injured plaintiffs to sustain long legal battles

MVA Lead Market and What It Tells Us About Injury Volume

The scale of the accident injury problem in America is staggering. Understanding the data provides important context for why navigating the insurance system properly with qualified legal help matters so much for injured victims seeking fair compensation.

6.14 million crashes occur annually in the U.S. (NHTSA, 2023)
Those crashes generate 2.44 million injuries requiring legal and medical attention
The legal advertising market has reached $2.5 billion in spend across 26.9 million ads
Exclusive lead prices rose 15–20% in 2026 due to FCC regulatory changes reducing shared inventory

What to Do in the First 72 Hours After an Accident

The first 72 hours after an accident are the most legally consequential. Evidence disappears. Memories fade. Insurance companies begin building their defense the moment they receive notice of your claim. Your actions in this window determine the strength of your entire case.

Hour 1: Call 911, ensure safety, photograph the entire scene before vehicles are moved
Hour 2–6: Seek medical evaluation even if you feel "okay." Symptoms of traumatic brain injury and internal injuries are often delayed.
Day 1–2: Report the accident to your insurance company. Do not give a recorded statement to the other driver's insurer.
Day 2–3: Consult a personal injury attorney before signing anything from any insurer
Day 3: Begin a daily pain journal documenting symptoms, limitations, and emotional impact

Should You Accept the First Settlement Offer?

Almost universally, no. The first settlement offer from an insurer is a starting point, not a fair number. Insurers make early offers before the full extent of your injuries and future treatment costs are known and before you have had the chance to consult legal counsel.

Early offers rarely account for future medical treatment, surgery, or long-term care
Signing a release forever waives your right to seek additional compensation
Once you accept, you cannot reopen the claim even if new injuries emerge
An attorney can evaluate whether the offer reflects your actual damages

Insurance Rights for Specific Accident Types

Different accident types trigger different insurance frameworks, legal standards, and strategic considerations. Understanding the specific rules for your situation helps you avoid costly procedural errors and positions your claim for the strongest possible outcome.

Car Accident Insurance Claims

Report to police and obtain a crash report number within 24–48 hours
Your own insurer must be notified promptly check your policy for exact deadlines
PIP (if available) pays medical bills first; liability claim against the at-fault driver follows
Uninsured/underinsured motorist coverage is critical if the at-fault driver has inadequate insurance
Rental car reimbursement is typically available under collision or liability coverage

Slip and Fall Insurance Claims

Report the incident to the property owner or manager immediately request a written incident report
Photograph the hazard (wet floor, broken step, missing handrail) before it is repaired
Obtain names and contact information of all witnesses present
Premises liability the legal doctrine holding property owners responsible for unsafe conditions requires proving the owner knew or should have known about the hazard
Medical attention on the same day strengthens the causal connection between the fall and your injuries

Workplace Injury Insurance Claims

Report the injury to your employer in writing immediately verbal reports are insufficient in many states
Workers' compensation a no-fault insurance system providing medical benefits and partial wage replacement to injured workers is typically the exclusive remedy against your employer
Third-party tort claims are still available if someone other than your employer caused your injury
Retaliation for filing a workers' compensation claim is illegal in all 50 states
Independent medical examinations are common in workers' comp disputes the same cautions apply

Frequently Asked Questions

Can I Handle My Own Insurance Claim Without a Lawyer?

Yes for minor fender-benders with no injuries, you can often handle the property damage claim yourself. However, if you have any injury, missed work, or ongoing treatment, handling your own claim against an experienced insurance adjuster without legal representation puts you at a significant disadvantage. Studies consistently show represented claimants recover substantially more.

Self-represented claimants often accept settlements before reaching maximum medical improvement
Adjusters are trained negotiators most injury victims are not
A lawyer working on contingency costs you nothing unless they recover for you
Free consultations are available through platforms like INIH Solutions LLC at no cost or obligation

What If the At-Fault Driver Has No Insurance?

If the at-fault driver is uninsured, your own UM coverage is your primary recovery vehicle. If you do not have UM coverage, your options narrow significantly you may be able to sue the driver personally, but collecting a judgment against an uninsured defendant is often difficult.

File a UM claim with your own insurer immediately upon confirming the driver is uninsured
UM claims require the same proof of liability and damages as a standard third-party claim
Your insurer may attempt to take a subrogation lien against any recovery you obtain from the at-fault driver later
Some states allow "stacking" of UM coverage across multiple vehicles on your policy for higher limits

How Do I Know If My Settlement Offer Is Fair?

A fair settlement covers all past and future medical expenses, all lost wages (past and future), and reasonable compensation for pain and suffering. Evaluating fairness requires knowing your total damages including costs you have not yet incurred. This is why settling before completing treatment is almost always a mistake.

Get an itemized accounting of all medical bills and projected future treatment costs
Calculate lost wages with documentation from your employer or tax returns
Have an attorney apply the appropriate multiplier to your economic damages for pain and suffering
Compare the offer to verdicts in similar cases in your jurisdiction

What Happens If I Am Partially at Fault for the Accident?

Your recovery depends on your state's comparative fault rules. In most states, being partially at fault reduces your recovery proportionally it does not eliminate it entirely. Only in the handful of contributory negligence states does any shared fault completely bar recovery.

Example: 20% at fault in a $100,000 damages case = $80,000 recovery (in a comparative fault state)
Insurers frequently overstate your fault percentage to reduce their exposure this is negotiable
An attorney can challenge fault assignments and present counter-evidence
Eyewitness accounts, dashcam footage, and accident reconstruction experts help establish accurate fault percentages

How Long Does It Take to Get a Settlement Check After Agreeing to Settle?

Once both parties sign the settlement agreement and release, most insurers issue payment within 14–30 days. Your attorney then handles paying outstanding liens (medical providers, health insurers, Medicare/Medicaid) before disbursing your net proceeds. The entire post-settlement process typically takes 4–6 weeks.

Medical liens must be negotiated and resolved before disbursement
Medicare and Medicaid have statutory lien rights that must be satisfied
Your attorney provides a detailed settlement disbursement statement before you sign off
Cases with structured settlements (annuity payments over time) follow a different timeline and require court approval in some instances

What Is a Tort Claim and How Is It Different from an Insurance Claim?

A tort claim a civil lawsuit alleging that another party's negligent, reckless, or intentional conduct caused you legally recognizable harm is filed in court and seeks damages from the at-fault party directly. An insurance claim is an administrative demand filed with an insurance company under a specific policy. Most injury cases begin as insurance claims and become tort claims only if settlement negotiations fail.

Insurance claims are handled by adjusters; tort claims are handled by judges and juries
Tort claims can seek punitive damages; standard insurance claims generally cannot
Filing a lawsuit does not mean you will go to trial 95–96% of PI cases settle before trial
The statute of limitations clock runs on tort claims not on insurance claims, which have their own notice deadlines

Final Checklist: Protecting Your Insurance Rights After an Accident

Use this checklist as your immediate action guide following any accident involving personal injury. Each item protects your legal rights, preserves evidence, and positions your claim for the maximum recovery you deserve.

Call 911 and ensure everyone receives medical attention
Photograph the scene, vehicles, injuries, and road conditions extensively
Collect witness information and obtain the police report number
Seek medical treatment on the same day document everything
Report the accident to your own insurer promptly
Do not give a recorded statement to the other driver's insurer without counsel
Do not post about the accident on social media
Do not accept the first settlement offer
Consult a personal injury attorney before signing any release or settlement agreement
Track all expenses, missed work days, and daily symptoms in a written journal

If you have been injured and need help finding a qualified personal injury attorney in your area, reach out to INIH Solutions LLC a free, no-obligation referral service connecting injured people with licensed attorneys. You choose your lawyer. There is no pressure, no cost to use the service, and no attorney-client relationship is created by submitting your information.

INIH Solutions LLC is a referral service, not a law firm. This content is for informational purposes only and does not constitute legal advice. Results vary depending on case facts and circumstances. Submitting information does not create an attorney-client relationship. You will be contacted by licensed attorneys in our network.