Car Accident FAQ

Auto accidents can lead to injuries and legal complexities, leaving you with numerous questions and concerns. At Flesch Law in Denver, our seasoned personal injury attorneys are here to guide you through the process, drawing on decades of experience to fight for your rights.

How do I file an insurance claim?

After an accident, promptly notify your insurance company. They will initiate their own investigation to determine what happened and who was at fault. They may ask for evidence, documents and paperwork. However, exercise caution when providing statements or accepting settlement offers. Consult with an attorney before taking any action to protect your interests.

How can I protect my rights when dealing with the insurance company?

Remember, insurance companies prioritize their profits over your compensation. To safeguard your rights and maximize your claim:

• • Hire a personal injury lawyer immediately after the accident.
  • Refrain from providing official statements without legal counsel.
  • Avoid accepting initial settlement offers without legal review.
  • Refrain from posting about the accident on social media.

By partnering with Flesch Law, you can avoid the complexities of insurance negotiations and ensure your rights are upheld.

What should I say to the insurance company after an accident?

When communicating with insurance agents, exercise caution to prevent compromising your claim. Here are some dos and don’ts:

• • Do file an injury claim promptly.
  • Do provide details of your medical treatment and diagnosis.
  • Don’t provide a recorded statement without legal representation.
  • Don’t admit fault or speculate about the accident.
  • Don’t make a statement if you are impaired at the time.

Your attorney will navigate these discussions on your behalf, ensuring your rights are protected.

Should I accept the insurance settlement?

While you may be tempted to take the offer, especially if your medical bills are piling up, you need to know that accepting an insurance company’s first settlement offer can be a costly mistake.

No matter how friendly or nice the insurance agent or adjuster may sound, you must remember that insurance companies are in the business of making money – and they don’t make money by paying out large settlements. In fact, in many cases, insurance companies will offer victims lowball settlements in hopes that they can resolve a claim on the cheap. Even if the offer seems like a lot of money now, you need to consider whether it will cover all of your damages and future medical expenses. Often, it won’t.

While insurance companies may offer quick settlements, accepting them hastily can be detrimental. Considerations include:

• • Ensuring the offer covers all damages, including future expenses.
  • Understanding that signing a settlement release ends your case.
  • Consulting with a lawyer to assess the adequacy of the offer.

Our legal team evaluates settlement offers to ensure they meet your needs and provide fair compensation for your injuries.

Can I file a lawsuit if I was partly at fault for an accident?

Probably, yes. As long as your actions are not primarily to blame for the accident, you may still be entitled to damages under Colorado law. The court may reduce the amount of compensation you receive based on your level of fault, but at least you won’t be out of luck.

Colorado’s modified comparative negligence law essentially works like this: If there is evidence that your negligent actions are partially responsible for your accident, the judge (or the jurors in the case of a jury trial) will have to determine two things:

• • The level of negligence (listed as a percentage) of each party involved, including both you and the person you are suing
    The amount of compensation you would be entitled to if there had been no negligence on your part

What if I was a passenger in an accident caused by my driver?

Passengers injured in accidents can seek compensation from negligent drivers, regardless of their own driver’s fault. Our attorneys assist passengers in securing the compensation they deserve.

Do I need to pursue a personal injury claim too?

In severe accidents or cases involving complex liability issues, filing a lawsuit may be necessary to recover adequate compensation. Our legal team assesses the viability of your case and guides you through the litigation process.

How much is my claim worth?

Numerous factors influence the value of your claim, including:

• • Severity of injuries and long-term needs.
  • Economic losses, such as medical bills and lost wages.
  • Noneconomic damages, such as pain and suffering.

Our attorneys leverage their experience to accurately value your claim and pursue maximum compensation.

Who pays for my medical bills after an accident?

Medical bills can be covered by various sources, including:

• • At-fault party’s liability insurance.
  • Employer-provided coverage or workers’ compensation.
  • Personal health insurance policies.
  • Med-Pay coverage under your auto insurance.

Our legal team assists you in navigating these options to ensure your medical bills are addressed promptly.

How do I get medical coverage if I don’t have health insurance?

If you lack health insurance coverage, Med-Pay under your auto policy may provide medical benefits. Alternatively, our attorneys can connect you with medical providers willing to treat you on a lien basis.

What if my medical bills exceed the at-fault party’s insurance limits?

If your medical bills surpass the at-fault party’s insurance limits, additional steps may be necessary, such as:

• Exploring additional insurance coverage.
• Conducting asset searches for additional recovery sources.
• Pursuing underinsured/uninsured motorist claims.

Our legal team guides you through these processes to secure the compensation you deserve.

What kinds of damages can I get?

In car accident cases, you may recover economic and noneconomic damages, including:

• Medical expenses, property damage, and lost wages.
• Pain and suffering, emotional distress, and loss of enjoyment.

We assess the full scope of your damages to pursue comprehensive compensation.

Will I Have To Go To Court?

Most cases are settled without a trial. The insurance company will try to settle for as little as possible. If you hire us, we will negotiate for you, and we are prepared to go to court when necessary.

How long will it take to get compensation?

The timeline for obtaining compensation varies based on case specifics – such as the severity of your injury, the complexity of the case and the opposing party’s willingness to reach a fair settlement. Our attorneys work diligently to expedite the process without compromising your rights, striving to secure timely compensation for your injuries.

Additional Questions? We’re Available 24/7.

Our legal team is available around the clock to address your questions and concerns. Contact us at (303) 218-9405 or via email to discuss your case and schedule a free consultation.

With Flesch Law by your side, you can navigate the complexities of auto accident claims with confidence, knowing your rights are protected by experienced legal advocates.