One Bad Decision Can Cost You Thousands
A car accident can leave you shaken, injured, and unsure of what to do next. In those chaotic moments, even small mistakes can have serious legal and financial consequences — especially if you’re planning to file an insurance claim or lawsuit. If you’ve just been in an accident, avoid these top five mistakes to protect your health, your rights, and your future.
1. Not Calling the Police
Even in what seems like a minor fender bender, you should always call the police and get a report. The responding officer will document important details, interview witnesses, and create an official record of the crash.
Why it matters:
- Insurance companies often ask for a police report to process claims
- An official record helps prevent the other driver from changing their story later
- If you decide to file a lawsuit, the report is key evidence
Avoid this mistake:
Always call 911 if there’s any injury, damage, or dispute over fault — even if the other driver asks you not to.
2. Admitting Fault at the Scene
It’s human nature to say things like “I’m sorry” after an accident — even when you’re not at fault. But in legal terms, these statements can be used as admissions of guilt and may harm your case.
Why it matters:
- California is a comparative fault state — your compensation can be reduced if you’re found partially responsible
- Insurance companies may use your words against you
Avoid this mistake:
Stick to the facts. Exchange information, cooperate with police, but never admit fault or speculate about what caused the crash.
3. Failing to Get Medical Attention
After an accident, many people feel “fine” and skip seeing a doctor. But some injuries — like whiplash, concussions, or internal damage — don’t show symptoms right away.
Why it matters:
- Waiting too long to get care can worsen injuries and delay recovery
- Insurance companies may argue your injuries aren’t related to the crash
- Medical records are essential to prove your damages
Avoid this mistake:
Always get evaluated by a medical professional after an accident — even if you think you’re okay. Follow all treatment instructions and attend follow-up appointments.
4. Talking to the Other Driver’s Insurance Company Without a Lawyer
After the crash, you’ll likely be immediately contacted by the other party’s insurance adjuster. They may sound friendly — but their job is to minimize what they pay you, not protect your rights.
Why it matters:
- Adjusters may pressure you to give a recorded statement
- You may be offered a lowball settlement that doesn’t cover your full damages
- Anything you say can be used against you later
Avoid this mistake:
Politely decline to speak to the other driver’s insurance and contact a qualified personal injury attorney right away. Let your lawyer handle all communication.
5. Waiting Too Long to File a Claim
California law sets a statute of limitations on car accident claims. In most cases, you only have two years from the date of the accident to file a personal injury lawsuit.
Why it matters:
- Miss the deadline, and you lose your right to compensation — no exceptions
- Waiting also makes it harder to gather evidence and secure witnesses
Avoid this mistake:
Act quickly. Talk to a lawyer early, even if you’re still dealing with medical treatment or vehicle repairs.
Protect Your Case from Day One
Car accidents are stressful enough. Don’t let simple mistakes ruin your chance at fair compensation. Avoiding these five errors can make all the difference when it comes to recovering the money you need for medical bills, lost wages, and pain and suffering.
Injured in an Accident? Call Malk & Pogo Law Group
We know what insurance companies don’t want you to know — and we use it to protect our clients. If you were hurt in a crash, let us fight for the compensation you deserve.
- No fees unless we win your case
- Free consultation to review your options
- Trusted by accident victims throughout California