Following your involvement in an accident which left you injured, the most obvious approach seems to be to get into contact with the insurance company of the person at fault for causing the accident. However, there are exceptions in which said person is under-insured or even completely uninsured. In a situation like that, you may have to look at your own insurer for compensation. Regardless of whose insurance company you have to deal with, chances are that you will have to deal with an insurance adjuster. And that is never a pleasant experience.
During the immediate aftermath of the accident, there are some necessary steps you need to take. The health and safety of the people involved should, of course, be your absolute number one concern, but once that has been taken care of, you will need to focus on the following three steps:
First, you will need to let the person at fault for the accident know that you have sustained an injury during the accident, and that you intend to file a claim in order to be compensated for it. You will also need to notify the police so they will dispatch an officer who will come in to draft a report.
If you are well enough and not in immediate need of medical attention, there are some things to be taken care of while you are still at the site of the accident.
Take photographs of the site and any damages to property and/or person. Next, check if there are bystanders or witnesses. If there are, be sure to get their contact details and question them about what they witnessed. Take detailed notes of their testimony and ask whether they would be willing to testify on your behalf should the case be taken to court.
Hire a personal injury lawyer in Waterloo and provide them with copies of the police report, your medical records, your medical bills, and wage stubs which prove that you have lost significant amounts of income due to your injuries. Additional information, i.e. emotional distress you suffered and went to therapy for, sleep problems, decrease in enjoyment of life, are also important and should be gathered prove for.
Once your injuries have reached a point of stability, the negotiation process can begin. Unfortunately, reaching this point can take years, depending on the severity of the injury. However, starting negotiations earlier is unwise since there may be long-term affects you are not yet aware of, and which would thus not be compensated for.