A car accident can be a frightening and overwhelming experience. In the moments after a crash, it can be hard to think clearly — but what you do next can make a significant difference in protecting your health, your rights, and any potential legal claim. Here are five important steps to take after a car accident in New Jersey.
1. Check for Injuries and Call 911
Your safety and the safety of others comes first. Check yourself and any passengers for injuries. If anyone is hurt — or even if you’re unsure — call 911 immediately. A police report filed at the scene is also critical documentation for any future insurance claim or lawsuit. Under New Jersey law, you are required to report any accident involving injury, death, or significant property damage.
2. Document Everything at the Scene
If it is safe to do so, use your phone to photograph the damage to all vehicles, the positions of the cars, road conditions, traffic signs, and any visible injuries. Get the other driver’s name, license number, insurance information, and license plate number. Collect contact information from any witnesses — their statements can be invaluable later.
3. Seek Medical Attention Promptly
Even if you feel fine, see a doctor as soon as possible. Some injuries — like whiplash, internal bleeding, or concussions — may not show symptoms right away. A medical record establishing your injuries shortly after the accident is essential evidence if you pursue a personal injury claim. Delaying treatment can be used by insurance companies to argue your injuries weren’t serious or weren’t caused by the crash.
4. Notify Your Insurance Company — But Be Careful What You Say
New Jersey is a no-fault insurance state, which means your own insurance company typically pays your initial medical bills regardless of who caused the accident. You are required to notify your insurer promptly. However, avoid giving a recorded statement or signing anything before consulting with an attorney. Insurers — including your own — are looking to minimize payouts, and an offhand comment can hurt your case.
5. Contact a Personal Injury Attorney
New Jersey’s car accident laws, no-fault rules, and statute of limitations can be complicated. An experienced personal injury attorney can evaluate your case, deal with insurance companies on your behalf, and help you understand whether you may be entitled to additional compensation beyond your PIP (Personal Injury Protection) benefits.
At the Law Office of Orlando R. Rodriguez, LLC, we represent accident victims throughout North Jersey, Central Jersey, and the Jersey Shore. Contact us today for a free consultation.