It is interesting when you get in a case with a lawyer who represents State Farm and you hear the usual defenses about impact, type of injury, and priors. They will attack the care your client got and the care they didn't get. The work they did or the work they didn't do. It is the shotgun attack of chipping away that they do to stop people from having claims. So I was surprised when I was directed to this information from State Farm:
The Do’s And Don’ts of A Minor Car Accident
Feb 15, 2012
By SFLearn State Farm™ Employee
The fender bender you were just in appears to be minor. No one looks injured and there is minimal damage to the vehicles. First breathe a sigh of relief – then take these precautions to help prevent your small accident from becoming a big problem.
Don’t drive away.
Do stay at the scene and move your vehicle to a safe place out of traffic even if there appears to be no damage. If the other car is parked and the owner isn’t around, leave a note with your name and contact information.
Don’t assume there aren’t injuries.
Do assess yourself and your passengers. Even low-impact collisions can cause injuries, some not appearing until days after the accident.
Don’t sign any documents and avoid accepting or offering cash for repairs. You may end up paying out-of-pocket to repair damage to your car that only appears minor, or you could pay the other driver more than necessary.
Do stay calm. Take notes and photos, and exchange information with the other driver, including your name, address, phone number, driver’s license number, license plate number, insurance company, and policy number.
Don’t assume an accident is too minor to be reported.
Do call the police or file a report on your own. This will help your insurance agent handle your claim. An accident report could also help protect you from issues that may arise later about the extent of damage to your vehicle or injuries to you and the other driver.
Don’t forget to notify your State Farm agent.
Do discuss your options for handling potential claims.
The State Farm Pocket Agent® smartphone app makes it easy to capture the essential details of an accident. Pocket Agent can help you diagram the accident scene, record witnesses’ names and numbers, contact your agent, and even locate nearby repair shops.
Makes you wonder how long this will be up on their website. Or maybe they are finally admitting the truth? Good solid citizens get hurt in car collisions. The whole damage argument is a myth that they use to steal from them.
A founding partner with Bradshaw & Bryant, Mike Bryant has always fought to find justice for his clients—knowing that legal troubles, both personal injury and criminal, can be devastating for a family. Voted a Top 40 Personal Injury "Super Lawyer" multiple years, Mr. Bryant has also been voted one of the Top 100 Minnesota "Super Lawyers" four times.