After an accident, you have rights most people sign away within 24 hours — without realizing it.
The adjuster may ask to record your account. You are under no legal obligation to agree. A recorded statement before consulting an attorney can be used to undervalue or deny your claim. Politely decline.
If they offer a fast settlement — especially before you've finished treatment — it's because they know it's less than your case is worth. Once you accept, you waive all future claims. Even if injuries worsen.
Skid marks fade. Vehicles get repaired. Witness memories blur. Photograph the scene, collect the other driver's insurance, get witness contacts, note time and conditions — before anything is moved.
Adrenaline masks pain. Whiplash and brain injuries often don't present for 24–72 hours. Delaying care gives insurers grounds to argue your injuries weren't caused by the accident. Go the same day.
Insurers and opposing counsel routinely search social media. A photo from a family dinner or a casual "doing better" post can be used to dispute your injuries. Lock your accounts and stay quiet.
These are the general rules. What they mean for your specific situation — your injuries, your coverage, the other driver's liability — that's what a real conversation is for.
It costs you nothing to find out where you stand.
Nik's team calls you within the hour. No scheduling. A real conversation about your case.
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