If you have just been in your first car accident, you are probably wondering what to do next. It is a confusing situation for anyone, even when the crash seems minor. You might be asking yourself whether you should call a lawyer or just handle it on your own.
After more than forty years handling car accident cases in Chicago, I have seen how stressful that first crash can be. People often try to manage everything themselves because they do not want to overreact or spend money unnecessarily. The truth is, getting a lawyer’s advice early can save you from serious headaches later.
Why It Is Normal to Feel Unsure After Your First Accident
When it is your first time dealing with a collision, there is a lot to process. You might be shaken up, frustrated, or embarrassed. At the same time, insurance companies are calling, body shops are quoting repairs, and you are trying to figure out who pays for what.
The early decisions you make right after the accident can have a major impact on your financial recovery. That is why it is smart to at least talk to a lawyer before signing anything or accepting a settlement.
When It Is a Good Idea to Call a Lawyer
Even if this is your first accident, there are specific situations where legal help becomes important. In my experience, you should reach out to a lawyer right away if:
- Anyone was injured. Even minor pain or stiffness can turn into something more serious later. A lawyer can help you get proper medical documentation and make sure the claim covers all treatment.
- The other driver’s insurance company contacts you quickly. Early calls often mean they are trying to lock in a low settlement or get a statement that could be used against you.
- There is disagreement about fault. If the police report is not clear or the other driver tells a different story, you will want an advocate who can gather evidence and protect your side.
- You are facing high repair costs or total vehicle loss. A lawyer can help make sure your car’s true value is recognized, not just the insurer’s low estimate.
- The at-fault driver is uninsured or underinsured. Many people do not realize their own policy might cover these situations.
- You were hit by a rideshare or commercial vehicle. Accidents involving Uber or Lyft drivers follow different insurance rules, which we explain in our rideshare accident guide.
If any of these apply, getting legal help right away can make a big difference in how smoothly things go.
How a Lawyer Can Help You the First Time Around
When you have never gone through an accident claim before, it is easy to feel lost. A lawyer’s job is to take that burden off your shoulders. Here is what we do for clients, especially those new to this process:
- Explain your rights and what your insurance actually covers
- Handle all communication with insurance companies
- Gather evidence, such as photos, witness statements, and police reports
- Make sure medical bills and car repair costs are fully documented
- Negotiate for a fair settlement based on real losses
- Step in if the insurance company delays, denies, or lowballs your claim
You do not have to know the system. That is what we are here for.
When You Might Not Need a Lawyer
If the accident was truly minor, for example, a small parking lot scrape with no injuries, no police dispute, and very limited damage, you can usually handle it directly through insurance.
Even then, I always recommend taking a few photos, filing a police report, and getting a quick legal review. It is better to confirm you are covered than to find out months later that something was missed. At our firm, that review is free.
Common Mistakes First-Time Accident Victims Make
Here are a few things I see people do after their first accident that can cause problems later:
- Admitting fault too early. Even apologizing at the scene can be misunderstood. Let the facts speak for themselves.
- Failing to get medical attention. Some injuries take days to appear. Always get checked by a doctor.
- Posting about the crash online. Insurance investigators can use your social media posts against you.
- Accepting the first settlement offer. Early offers are almost always lower than what your case is worth.
- Waiting too long to call for help. Evidence disappears quickly, especially in Chicago traffic.
Avoiding these mistakes can protect both your health and your claim.
Why Talking to a Lawyer Costs Nothing Upfront
One thing many first-time clients do not realize is that personal injury lawyers, including our team at Phillips Law Offices, work on a contingency fee basis. That means you pay nothing unless we win your case.
A short phone call can give you clarity and peace of mind, even if it turns out you do not need full representation.
Your First Accident Can Teach You a Lot
No one expects their first accident, and no one is ever fully prepared for it. What matters most is how you handle it afterward. Taking the right steps early can save you from financial loss, unfair treatment, and months of stress.
At Phillips Law Offices, we have helped thousands of Chicago drivers get through their first accident with confidence. Whether your crash was a simple fender bender or a more serious collision, we are here to guide you every step of the way.
Call (312) 346-4262
161 N Clark St, Suite 4925, Chicago, IL
Free Consultation | No Fee Unless You Win
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