Look around you at the next intersection you are stopped at. More than likely, if drivers are looking away from the road, they are looking down at their cell phones. They aren’t focused on the road, the stoplight, or activity around them. They are focused on their phone – be it a site, a text, a message, or any other possible cell phone activity.
If it is your insurance company, you might decide to work directly with the assigned adjuster. You should cooperate with your insurance, but be cautious. A claim against your insurance could make the adjuster your unofficial barrier to recouping losses. They make money by minimizing pay-outs, while collecting your premiums.
People come to the office and say, “I was injured in a motor vehicle accident.” Then, immediately ask, “Are my rights and options different since I was injured by drunk driver?”
When you get an automobile policy, you are obligated under Colorado law to have a minimum of liability coverage, in case you injure somebody else driving. You might have the property damage coverage, to boot.
Getting into an auto accident can be quite a harrowing ordeal for everyone involved. It’s one of those things that forces your life to grind to a halt for a period of time, even in situations where you come out of the accident relatively unscathed.