Every Winter, like it or not, Chicago usually gets more than its fair share of snow, slush and ice on the roads. And, unfortunately, we also get more than our fair share of accidents. When you are, predatory insurance companies tend to swoop in and try to get you to sign away your rights before you’ve even had a chance to think things through. DON’T SIGN anything with an insurance company until you’ve spoke with your lawyer – and if you don’t have one, please call us and we’ll be happy to help you.
But, when you’re at the scene of an accident, what do you do? Here’s what we recommend to our clients:
Step 1: Prioritize Safety
After a collision, your first priority should be safety. If possible, move your car to the side of the road to prevent further accidents and turn on your hazard lights. Check yourself and passengers for injuries, and call 911 if anyone needs medical attention. Even if the accident seems minor, report the crash to the police – involving law enforcement creates an official report, which is valuable later on.
Step 2: Call the Police
In Illinois, you must report a car accident to the Illinois Department of Transportation (IDOT) within 10 days if the accident resulted in injury, death, or property damage exceeding $1,500 (or $500 if an uninsured driver is involved).
Even if the accident seems minor, calling the police is an essential step. An officer can assess the situation, ensure safety at the scene, and create an official accident report. This report often includes:
- A description of the accident and its probable cause.
- Statements from drivers and witnesses.
- Documentation of weather and road conditions.
This report becomes a key piece of evidence when filing an insurance claim or pursuing legal action. Without it, you may face disputes over what actually happened.
Additionally, having police on the scene can de-escalate tense situations. If the other driver becomes uncooperative or aggressive, their presence ensures that everyone behaves responsibly.
Step 3: Gather Important Information
Documentation is key after an accident. Exchange contact and insurance information with the other driver and take clear photos of:
- Vehicle damage (yours and theirs)
- License plates
- The accident scene, including road conditions or icy patches
- Any visible injuries
If there are witnesses, ask for their names and contact details—they might be crucial for your claim later.
Step 4: Seek Medical Attention
Better safe than sorry. Even if you feel fine immediately after the accident, it’s important to see a doctor. Adrenaline can mask injuries like whiplash, concussions, or back pain, which may surface days later. Having a medical record not only ensures your health is addressed but also strengthens your injury claim.
Step 5: Speak With an Injury Attorney First
Here’s where many people make a critical mistake: they speak to the insurance company before consulting an attorney. Insurance adjusters work for the company’s bottom line, not for you. They may try to minimize your injuries, downplay vehicle damage, get you to sign away your rights or offer quick settlements that don’t even cover your medical expenses.
An experienced injury attorney will:
- Protect your rights from the start.
- Handle all communication with insurance companies.
- Fight for the full compensation you deserve, including medical bills, lost wages, and more.
Why Acting Quickly Matters
The sooner you contact an attorney, the better your chances of securing a favorable outcome. Evidence can disappear, memories fade, and insurance companies might pressure you to accept less than you’re owed. Having an advocate early ensures nothing is missed.
We’re Here for You
At The Law Offices of Mark Vajdik, LLC, we understand the unique challenges our community faces. Whether it’s navigating icy streets or dealing with complex insurance processes, we’re here to help. If you’ve been in a collision, don’t face it alone. Let us handle the legal headaches while you focus on healing and moving forward.
Contact Us Today
Don’t wait until the insurance companies call you—take control of your situation now. Call 312.883.9500 or click here for a free consultation.
