One of the biggest causes of car accidents in America is because of drunk driving. What should you do if someone else was drunk at the wheel and hit you? Will you be able to get all of your medical expenses paid for? Or will you have a long fight with the insurance company?
1. If you are able, call the police as soon as possible (before you leave the scene). In case you are hurt in a car accident, an ambulance should arrive on the scene. If the other driver that hit you was drunk, call the police.
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2. Always follow the criminal case that the drunk driver might have. The criminal case against the drunk driver could affect the way that the insurance company decides to pay you. Many things can happen in the criminal case against the drunk driver that could impact or ruin your civil case.
3. Be careful if the drunk driver files for bankruptcy. Some people think that they can file for bankruptcy and avoid having to pay for a personal injury settlement, but that isn't always the case because there are safeguards in place to prevent people from abusing the system.
4. Watch your words when you speak with an insurance adjuster. There is never a guarantee someone is guilty until a court has said so. Another thing the insurance company can do is argue something along the lines that you were also in some part at fault for the accident so they don't have to pay the full extent of the damages. This could reduce the amount that they will pay out.
5. Speak to an injury lawyer. Many people get hurt in a car accident and don't have to talk to an injury lawyer. But, if you are somebody that was hurt in a drunk driving crash, you most likely aren't one of them. Because there are actually two cases--a civil and criminal--these types of injury cases may be too complex for someone to handle on their own. Here's what a personal injury lawyer can do: they will fight the insurance company to get the most to help pay your medical bills.
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