# Advice after serious car accident **URL:** \ **Category:** In My Humble Opinion\ **Created:** [December 22, 2025, 3:46pm UTC](https://boards.straightdope.com/t/advice-after-serious-car-accident/1025950 "2025-12-22T15:46:53Z")\ **Posts on this page:** 1\ **Showing post:** 27
**Author:** ![wguy123](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wguy123/32/3161_2.png) [@wguy123](https://boards.straightdope.com/u/wguy123)\ **Post date:** [December 23, 2025, 1:35am UTC](https://boards.straightdope.com/t/advice-after-serious-car-accident/1025950/27 "2025-12-23T01:35:14Z")
> [@Si\_Amigo](#): > > Get a lawyer, this talk about trusting insurance agents is quaint IMHO. My wife, as a pedestrian, was ran over by a car and suffered severe, life threatening injuries. She survived but has permanent damage. I was 100% overwhelmed those first few days of intensive care and ended up getting a lawyer. That was my best decision. They started handling the overwhelming number of things that have to be dealt with. We were also lucky that the driver had good insurance and an umbrella policy. The insurance companies do not have your best interest in mind. At all. > [@Procrustus](#): > > If you don’t have a lead on a good recommendation from family or friends, don’t pick one based on a billboard or advertisement. Yes to this. I had a good recommendation and good it was. > [@RivkahChaya](#): > > An insurance company may badger you, attempting to get you to settle, but a lawyer won’t let this happen. They will also badger you to get statements. Don’t give them. > [@CoolHandCox](#): > > This part is called **liability**. Who’s fault is the accident. This matters a lot. Hopefully the other’s drivers insurance will accept liability. But not always. Even when it’s "clearly’ their driver’s fault. This. The driver’s insurance company wouldn’t leave us alone to get a statement and I’m sure it was to help split up liability. My wife had multiple traumatic brain injuries and wanted to get her on the phone. Desperately. > [@LSLGuy](#): > > 'MURRICA: you’re heavily insured, super lucky, or utterly fucked. Well, adding the “you’re dead” part, and this is so true. We were lucky the driver had great insurance. As an aftermath, I talked to my insurance agent and now have pretty much maxed out insurance and an umbrella policy. It didn’t raise our rate much at all. If the other driver didn’t have this great insurance, they would’ve been sued and they would have lost and they have assets. You are really fucked if it is someone without assets and the minimum liability auto insurance. I hope that isn’t your case. --- _[View the full topic](https://boards.straightdope.com/t/advice-after-serious-car-accident/1025950)._