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Common Car Accident Myths (Part II)

Myth 6: The responsible party's insurance company has to pay the full amount of your car rental expense.

In addition to repairing your car or paying it's fair market value, the insurance company is also responsible to pay you an amount of money for the reasonable loss of use of your vehicle during the period of repair until it could be reasonable replaced. The amount of this payment is usually the cost of renting a similar vehicle to the one that has been damaged or totaled. Please be aware that the obligation generally ends once the vehicle is repaired or within a few days of an agreement and payment for the value of your totaled vehicle.

Myth 7: I should go to the emergency room at a hospital only if I am seriously hurt in an accident.
It has been our experience that even though injured, many people do not go to an emergency room for examination and evaluation because they do not think their injury is serious enough and because of cost. Under the stress of the moment, it is impossible to clearly determine the nature and extent of any injury. Additionally, some injuries do not become immediately apparent and only become symptomatic within a few hours of the accident. For you own safety and well being, it is important that you are checked out, even if you do not believe the injuries are serious. It is also important to keep in mind that most insurance adjusters feel that unless someone goes to a hospital, they must not have been hurt in the accident.

Myth 8: I am entitled to stay off work following an accident and the responsible party will pay for my lost wages.
Even though you have been in an accident, there is no entitlement to stay off work. If you are physically capable of working, then must go to work. If you are not physically capable of working, then you must have a doctor's note excusing you from working. Without such an excuse, an insurance company will not pay for your lost wages.

Myth 9: I should not tell the insurance company that I have a lawyer because they will pay me less money.
Our experience indicates that a competent lawyer will almost always add value to a case. A lawyer has the ability to fully investigate your claim and gather the information necessary to appropriately present it to the insurance adjuster. It is important to keep in mind that the insurance adjuster on the other side of the claim is trained in handling and evaluating personal injury claims on behalf of the insurance company. If you do not have such training or experience, you will be at a disadvantage if you try and resolve the claim without the assistance of an attorney. You may also be at a disadvantage if you attempt to resolve your claim without knowing for example the obligations you may have with regard to reimbursing your medical or auto insurance company for the medical bills it has paid in connection with accident.

For more car accident myths, please see Common Car Accident Myths (Part I) and Common Car Accident Myths (Part III).

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