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3 questions to consider after a personal injury

You finally had a day off from work, so you decided to take your kids on a bike ride. You came up on a hill in your neighborhood, coasting over it. Suddenly, you notice a vehicle coming, but the driver isn't looking up. Your children pass it safely, but the vehicle enters your path and ends up causing you to hit it head on.

Now, you're left with severe injuries and potentially life-long disabilities. You can't work, and you worry about what's going to happen to you family. You were the only parent who worked, and now you're the one who needs extra care and help.

Fortunately, a claim against a negligent driver can help you get the compensation you need after a serious bike accident like this one. Here are a few common questions you may have.

1. How soon should you contact the insurance company after an accident?

It's important to let the insurance company know an accident has occurred as soon as possible. Usually, it's a good idea to let it know within 24 hours, but if you are unable, then a family member or your attorney can contact the company to start the claims process for you.

2. How much can you expect from a settlement after a personal injury?

That varies by case, and it's best left to your attorney to explain what you can expect in yours. In general, you're able to collect compensation for lost wages, travel expenses related to medical care, medical care costs, pain and suffering and other losses. It's important to keep all your documentation from the incident including the police report, medical bills and other items.

3. Should you talk to the insurance company directly?

No. In fact, it's a better idea to allow your attorney to speak to the insurance company. These companies want to mitigate their risks and expenses, so they may try to offer you a settlement right away. If you take it without considering the true cost of your injuries, you could be left with far less than you deserve. While you're recovering, your attorney can negotiate for you, so you don't have to worry about fighting for a fair settlement. He or she can focus on getting you a fair amount of money, and if the insurance company won't pay out fairly, potentially help you take the case to court.

Your attorney can help you understand what to expect when you make a claim. With the right help, you can get what you deserve after an accident.

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