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When paramedics are at the accident scene, it is because someone is injured. Make sure you ask about the other persons well being. This means you are a caring person, not that you are accepting fault for what happened.
Most of the time, paramedics will not release any information to you regarding her or his health, but you can always ask. If the person injured is you or someone in your vehicle, then do not decline care at the accident scene.
It is important to be checked at the scene, even if you have no pain. Usually the adrenaline rush could distract you to the point that you cannot feel the injury, but later on you will be in pain.
The insurance company will ask you if you decline care and why. They will argue later that this is another indication that your injury does not deserve a high settlement amount since you did not suffer a severe injury.
Be extra careful of what you say to paramedics. It is easy to get cut in the heat of the moment, and since they are aiding you, you feel you can talk. They will ask for injury information, and more especially what part of your body hit the vehicle.
They will report everything, and later it will be read and reviewed by the insurance carriers. So if you report that your right knee was hurting the night before but know that accident made it worst. Guess what? The insurance carrier will devalue your claim due to a preexisting injury, even if that injury is not a big deal.
The insurance carrier will quickly point out that this was not an issue at the accident scene. Insurance adjusters are trained to be guarding their company against everyone. They believe that everyone is out there to take advantage of them.
Therefore, if you legitimately have a claim, but you forget to report an original issue to the paramedic, the insurance company will not cover for those injuries or it will be very reluctant to make payment on your behalf.
Do not refuse any kind of medical treatment. Paramedics know best, even if you think you are ok. In most accidents, people will not feel any pain until the next day. At that point you will wish that the paramedic saw you and made some recommendation regarding your medical condition.
If you have kids with you in the vehicle, it is very important that they get checked out, both at the accident scene and at the hospital. Kids can suffer severe yet hidden injuries and if they are not detected, they can have drastic consequences.
When paramedics are at the accident scene, they will ask you if you want to go to the emergency room in an ambulance. Should you go? Read more.
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