Top 5 Mistakes to Avoid When Filing a Car Accident Claim in Los Angeles
Filing a car accident claim in Los Angeles can feel overwhelming. Your decisions after a crash directly affect your chances of getting fair compensation. Unfortunately, many people lose thousands by making simple, preventable mistakes. Let’s break down the five most common errors—and show you how to avoid them.
1. Failing to Call the Police After the Accident
Some drivers assume they don’t need to call the police if the crash seems minor. That’s a costly assumption. Without an official police report, you won’t have proof to support your version of events. As a result, your claim may be denied.
✅ What to do: Always call 911, no matter how small the accident appears. Get a police report—it adds weight to your case.
2. Admitting Fault at the Scene
It’s natural to say “I’m sorry” after an accident, especially if you feel shocked or confused. However, apologizing can be taken as an admission of fault. Insurance companies use this against you to lower your payout.
✅ What to do: Stay calm. Exchange information but avoid discussing fault with anyone at the scene.
3. Delaying Medical Treatment
You may not feel injured immediately, but that doesn’t mean you’re fine. Delayed symptoms are common after crashes. Waiting too long to see a doctor can damage your claim. Insurance companies might argue that your injuries aren’t related to the accident.
✅ What to do: Visit a medical professional right away—even if you feel okay. Follow their instructions and keep every receipt and report.
4. Talking Directly to the Other Driver’s Insurance Company
It might seem harmless to answer the insurance adjuster’s call. However, they are trained to find ways to minimize payouts. Anything you say can be twisted or used against you later.
✅ What to do: Politely decline to speak with them until you’ve consulted a Los Angeles car accident lawyer. Your attorney will handle all communication.
5. Accepting a Quick Settlement Offer
After the crash, you might feel tempted to accept the first offer just to move on. But quick settlements often don’t cover future medical needs, therapy, or lost wages. Once you accept, you waive your right to ask for more—even if your condition worsens.
✅ What to do: Don’t sign anything without a lawyer’s review. Take time to calculate your full damages before making a decision.
Bonus: Forgetting to Report the Crash to the DMV
If there are injuries or property damage over $1,000, California law requires you to file a report with the DMV. Many people forget this step and end up facing legal issues.
📎 File your SR-1 accident report with the DMV here.
Final Thoughts: Take Control of Your Car Accident Claim
Making just one mistake can delay your car accident claim in Los Angeles or reduce your payout. Don’t leave your future to chance. Instead, document everything, seek medical help immediately, and get legal advice before talking to insurers or signing forms.