Common Personal Injury Mistakes to Avoid When Filing a Claim
The moments following an unexpected injury can be disorienting and stressful. Whether you were involved in a collision on I-95, slipped on a poorly maintained property, or suffered harm in another incident caused by someone else’s carelessness, your primary focus is rightly on your health and recovery. However, the actions you take—and fail to take—in the days and weeks after the incident can have a profound impact on your ability to secure fair compensation for your losses.
Navigating the complexities of a personal injury claim in Connecticut requires careful attention to detail. Insurance companies and defense attorneys scrutinize every aspect of a case, and simple, honest mistakes can be misinterpreted or used to devalue or deny a legitimate claim.
Delaying or Forgoing Medical Treatment
One of the most significant errors an injured person can make is failing to seek prompt medical attention. After an accident, adrenaline can mask the severity of injuries, and you might believe you are fine. However, waiting to see a doctor can be detrimental not only to your health but also to your legal claim.
Insurance adjusters look for any reason to question the validity of an injury. A delay in seeking treatment, or gaps in your treatment plan, can be used to argue that:
- Your injuries were not caused by the accident but by some later event.
- Your injuries were not as serious as you claim, otherwise you would have sought immediate care.
- You failed to mitigate your damages by not following medical advice, which worsened your condition.
Seeking a thorough medical evaluation right away creates a vital, time-stamped record that directly links your injuries to the incident. It is important to be completely forthcoming with your healthcare providers about all your symptoms, no matter how minor they may seem at the time.
Failing to Properly Report and Document the Incident
Official documentation is a cornerstone of any successful personal injury claim. Without an official report, it can become your word against the at-fault party’s, making it much harder to establish what happened.
- For Car and Truck Accidents: Always call the police to the scene, even for what seems like a minor fender-bender. A police report provides an official, third-party account of the incident, often including diagrams, witness statements, and the officer’s initial assessment of fault.
- For Slip and Fall Accidents: If you are injured on someone else’s property (like a grocery store, restaurant, or apartment complex), report the incident to the manager or property owner immediately. Ask them to create a formal incident report and request a copy for your records.
- For Workplace Injuries: Report your injury to your supervisor or human resources department as soon as possible, in accordance with your company’s policies. This initiates the workers’ compensation process, which is a separate but often related matter to a potential third-party personal injury claim.
Giving a Recorded Statement to the Opposing Insurance Company
Shortly after an accident, you will likely receive a call from the at-fault party’s insurance adjuster. They will be friendly and sound helpful, often asking for a recorded statement to “hear your side of the story” and “process your claim quickly.” It is important to remember that this adjuster’s job is to protect their company’s financial interests, which means minimizing the amount they pay you.
Providing a recorded statement without legal guidance is a serious misstep. Adjusters are trained to ask leading questions designed to get you to:
- Unintentionally admit partial or full fault.
- Downplay the severity of your injuries.
- Speculate about facts you are unsure of.
- Make statements that can be contradicted later.
You are under no legal obligation to provide a recorded statement to the other party’s insurer. It is best to politely decline and state that you will be seeking legal advice before proceeding.
Signing Medical Authorizations or Settlement Releases Prematurely
The at-fault party’s insurance company will send you a stack of forms to sign, including a broad medical authorization. While they do have a right to review medical records related to the accident, the authorizations they send are often intentionally overreaching. Signing one could give them access to your entire medical history, which they can then comb through to find pre-existing conditions or unrelated past injuries to argue that your current pain is not from the accident.
Even more final is the settlement release. If an insurer offers you a quick payment, it will come with a release form. Signing this document permanently ends your claim. You give up the right to seek any further compensation for this incident, even if your injuries turn out to be more severe than you initially thought and require future surgery or long-term care. Never sign any release without having it reviewed by a qualified attorney.
Using Social Media Carelessly During Your Claim
In today’s world, it is second nature to share our lives online. However, after an injury, your social media accounts can become a source of evidence for the defense. Insurance companies and their investigators will scour your profiles on Facebook, Instagram, Twitter, and other platforms looking for anything that can be used to contradict your claims.
Examples of posts that can harm your case include:
- Photos or videos of you engaging in physical activities.
- Comments or posts that downplay your pain or physical limitations.
- “Checking in” at locations that suggest you are more active than you have claimed.
- Any discussion about the accident itself, which could conflict with your official statements.
The safest course of action is to refrain from posting altogether until your claim is resolved. At a minimum, set all of your profiles to the highest privacy settings and instruct friends and family not to post photos of you or tag you in their posts.
Neglecting to Preserve Evidence and Keep Detailed Records
The strength of a personal injury claim often depends on the quality of the evidence. While your attorney will handle the formal investigation, the evidence you gather in the immediate aftermath is invaluable.
- Preserve Physical Evidence: This includes taking photographs and videos of the accident scene, your injuries, and any property damage. If your clothing was torn or bloody, save it in a bag. If a defective product caused your injury, preserve the product itself.
- Gather Information: Get contact information for any witnesses. Write down the name and badge number of the responding police officer. Take photos of the other driver’s license plate, insurance card, and driver’s license.
- Maintain a Pain Journal: Keep a daily record of your physical symptoms, pain levels, and emotional state. Note how your injuries affect your daily life—activities you can no longer do, difficulty sleeping, and challenges with work or family responsibilities.
- Organize Financial Documents: Create a folder for all accident-related expenses. This includes medical bills, pharmacy receipts, co-pays, and documentation of your lost wages from missing work.
Miscalculating the Connecticut Statute of Limitations
A statute of limitations is a law that sets a strict time limit on your right to file a lawsuit. In Connecticut, the general statute of limitations for personal injury claims, as outlined in Connecticut General Statutes § 52-584, is two years from the date the injury occurred or was discovered.
If you fail to file a lawsuit within this two-year window, the court will almost certainly dismiss your case, and you will lose your right to seek compensation forever. While there are a few very narrow exceptions, relying on them is extremely risky. It is vital to contact a legal professional well before the deadline to ensure your rights are protected.
Accepting the First Settlement Offer
Insurance companies often employ a strategy of offering a low, quick settlement soon after an accident. They hope that the victim will be feeling financial pressure from medical bills and lost work and will accept the offer without thinking it through. This is almost always a mistake.
Early settlement offers are made before the full extent of your injuries and long-term prognosis are known. Many injuries, like those to the back or neck, can worsen over time and may require future medical care, physical therapy, or even surgery. Accepting an early offer means you will be personally responsible for all future costs. A fair settlement can only be determined after you have reached maximum medical improvement (MMI)—the point at which your condition has stabilized and your doctor can predict what your future medical needs and permanent limitations will be.
Underestimating the Value of Your Claim
Calculating the full value of a personal injury claim is far more complex than simply adding up medical bills. A comprehensive claim includes several categories of damages.
- Economic Damages: These are the tangible financial losses with a clear monetary value, such as current and future medical expenses, lost wages, and diminished future earning capacity.
- Non-Economic Damages: These are the intangible losses related to the human cost of the injury. This includes compensation for physical pain, emotional distress, mental anguish, permanent disfigurement or scarring, and loss of enjoyment of life.
Without experience in handling these claims, it is nearly impossible for an individual to accurately calculate non-economic damages or project the cost of future medical care. This often leads to victims settling for far less than their claim is truly worth.
How a Personal Injury Attorney Can Help
Avoiding these common mistakes is the most effective way to protect your right to fair compensation after an injury. The legal process is filled with procedural requirements and strategic challenges that can overwhelm someone who is also trying to focus on their physical recovery.
The legal team at Dodd Law Firm is committed to managing every detail of your case, from conducting a thorough investigation and gathering evidence to handling all communications with insurance companies. We work with medical and financial professionals to build a comprehensive claim that accounts for all of your past, present, and future damages. Our focus is on securing the resources you need to heal and rebuild your life, allowing you to concentrate on what matters most—your well-being.
If you have been injured in Connecticut due to someone else’s negligence, contact us at (203) 272-2077 for a free consultation to discuss your case and learn how we can assist you.