A car accident can happen in an instant, but the decisions made afterward can have long-term consequences. In New Jersey, where insurance laws and liability rules can be complex, even a small mistake after a crash can hurt your ability to recover compensation for medical bills, lost wages, or vehicle repairs. Knowing what not to do is just as important as knowing what steps to take. Below are the most common mistakes drivers make after a car accident in New Jersey — and how to avoid them.
Failing to Call the Police
One of the biggest errors drivers make is not calling the police after an accident. Even if the crash seems minor, an official police report is critical. It provides a factual account of what happened and includes details that may later be vital to your insurance claim or personal injury case. In New Jersey, you are legally required to report any accident that results in injury, death, or property damage exceeding $500. Without a police report, insurance companies may question your claim or deny coverage entirely.
Admitting Fault at the Scene
Emotions run high after an accident, and many people apologize or accept blame without thinking. However, doing so can severely damage your case. Determining fault is a complex legal process that depends on multiple factors, including witness statements, physical evidence, and traffic laws. Even if you think you may have contributed to the accident, avoid making statements that could be used against you later. Stick to the facts when speaking with police officers or other drivers.
Neglecting Medical Attention
Some injuries, such as whiplash or internal trauma, may not show symptoms immediately. Delaying medical evaluation can not only endanger your health but also weaken your injury claim. Insurance adjusters often argue that if you didn’t seek prompt treatment, your injuries weren’t serious or related to the crash. Always visit a doctor or hospital as soon as possible and keep records of all medical visits and expenses.
Failing to Gather Evidence
The moments right after an accident are crucial for collecting evidence. Many drivers leave the scene without taking photos, getting witness contact information, or noting key details such as road conditions or traffic signals. This evidence can be essential for proving fault later. Take photos of all vehicle damage, skid marks, license plates, and injuries. If there are witnesses, ask for their names and phone numbers.
Not Notifying Insurance Promptly
Delaying your accident report to your insurance company is another common mistake. Most policies require prompt notification — sometimes within 24 to 48 hours. Failure to report on time can give your insurer grounds to deny the claim. When reporting, provide basic information but avoid giving recorded statements or signing documents without consulting an attorney first.
Accepting a Quick Settlement
Insurance companies often offer fast settlements that seem tempting but rarely cover the full extent of your damages. Once you accept a settlement, you typically forfeit your right to pursue additional compensation later. Before agreeing to any offer, consult a New Jersey car accident attorney who can assess whether the amount reflects your actual losses.
Posting About the Accident Online
In today’s digital world, many people share life events on social media. However, posting about your accident can seriously harm your case. Insurance adjusters and defense attorneys often monitor claimants’ social media profiles for statements or photos that contradict their claims. Avoid discussing the accident, injuries, or legal case online until it is fully resolved.
Not Consulting an Attorney
Finally, one of the costliest mistakes is trying to handle the process alone. A skilled New Jersey personal injury attorney can guide you through the legal system, protect your rights, and negotiate with insurance companies on your behalf. They understand state-specific laws like New Jersey’s comparative negligence rule, which can affect your compensation if you share partial fault for the crash.
Conclusion
Avoiding these common mistakes can make a significant difference in the outcome of your New Jersey car accident case. Always call the police, seek medical attention, gather evidence, and consult an attorney before speaking with insurance companies or accepting any settlement. Acting carefully and strategically after a crash helps protect your health, your rights, and your financial recovery.