Car accidents are stressful, whether it's a minor fender bender or a serious crash. The moments afterward can be chaotic, but your actions immediately after an accident matter for your health, financial future, and legal rights.
This guide covers the most common mistakes people make after a car accident in Washington, and how to avoid them. Small missteps can have big consequences when it comes to filing a claim, negotiating with insurance, or recovering compensation.
Why Your Actions Matter
Every word you say, every document you sign, and even the timing of your medical care can be scrutinized by insurance adjusters and opposing attorneys. Their aim is to limit what they pay, not to maximize your recovery. Avoiding critical mistakes early can make the difference between fair compensation and walking away with far less than you deserve. Even saying something as innocent as “I’m sorry” at the scene can be used against you later.
Common Mistakes to Avoid
1. Not Calling the Police
Always call law enforcement. Even for minor collisions. A police report creates an objective record essential for insurance claims and legal proceedings. In Washington, you must report accidents involving injury, death, or property damage over $1,000. If law enforcement does not file a report, you are required to do so within four days. Failing to report can complicate your claim and may even result in a suspension of your driver's license, as outlined in RCW 46.52.030 (the state accident-reporting law). For more on these requirements, see resources from this advice on calling police after a minor car accident in Washington.
2. Admitting Fault at the Scene
Don't apologize or admit fault. Even a passing comment like “I didn’t see you there” may be used against you. Exchange information, stick to the facts, and let the authorities and insurance companies determine fault.
3. Failing to Seek Medical Attention Promptly
Some injuries (such as whiplash or internal injuries) do not show symptoms right away. Delaying medical care gives insurers an opportunity to say your injuries weren’t caused by the accident. Seeing a doctor promptly protects your health and your claim.
4. Not Documenting the Scene or Injuries
If safe and able, take photos of:
- Vehicle damage
- Visible injuries
- Street signs and weather conditions
- Any evidence showing how the crash occurred
Keep all related documents; medical bills, prescriptions, and records of missed work. This helps if you work with a Washington personal injury lawyer later.
5. Talking to Insurance Companies Without Legal Advice
Insurance adjusters may sound friendly, but their job is to protect the company’s interests. Giving a recorded statement or accepting a quick settlement can hurt your claim. You are not required to give a recorded statement to the other driver’s insurer, and it’s strongly advised to speak to a lawyer before doing so.
6. Waiting Too Long to File a Claim
Washington has a strict three-year statute of limitations for most personal injury claims (including car accidents). While three years seems long, evidence can be lost quickly, and delays make cases harder to prove.
7. Leaving the Scene or Failing to Report Properly
Never leave the scene of an accident. Doing so can lead to criminal charges, especially if injuries are involved. Washington law requires you to remain at the scene, exchange information, provide assistance, and report the accident as needed. Penalties for failing to comply range from fines to possible jail time, depending on the severity of the crash.
Additional Tips to Protect Your Rights
- Stay calm and avoid arguments.
- Get names and contact info for witnesses if possible.
- Avoid posting about the accident on social media; even innocent comments can be used out of context.
- Keep a written record of all related activities (calls, emails, medical visits, expenses).
What If You’ve Already Made a Mistake?
Mistakes happen. Maybe you already spoke to an insurance adjuster, delayed medical care, or forgot to take photos. Your case isn’t over. A knowledgeable attorney can help correct course, preserve evidence, and fight for your compensation. The key is to act quickly.
Talk to Ranz Injury Law Today
Avoiding these common post-accident mistakes can make a big difference in your case. At Ranz Injury Law, we help Washington drivers protect their rights and secure the support they need after an accident.
If you’re facing uncooperative insurance companies, unclear medical bills, or have questions about what to do next, we’re here to help. Contact us today for a free consultation, and let us handle the legal side so you can focus on healing.
