State:

1. That’s one for the record book. You’re the first person to ever eat the custard pudding here and keep it down.

2. Can we just see that pill we gave you? In the event you already swallowed it, we’ll just get on the phone to the drug maker and see what problems that can cause.

3. I’m afraid the doctor you should be seeing is out of town. However, we’ve hooked up a conference call with an out source service we use in India.

4. We’ve got your blood test results back. The doctor, however, wants to explain them to you himself after he’s had a few drinks.

5. Most people are nervous about being in room thirteen.

6. We’ve been noticing quite a number of your moles and we’ve scheduled an examination tomorrow with one of our specialists. Don’t worry though. The removal process is really quite painless, unless you have as many moles as you do.

7. While you’re here, would you like to see someone about all that chest hair. Some of the nurses are really quite put off by it.

8. If you have any problem with pain in the night, the call button on your bed I’m afraid doesn’t work too well. Actually, I don’t believe it works at all.

9. Would you mind if we showed that to the new nurse. She’s never seen that before and to be honest, neither have I.

10. This medication has some serious side effects. Itching, bloating, swelling, you know, the usual. We want you to take two of these every four hours.

Here are ten actual tips of advice from a truck accident lawyer to follow if you have been in an accident.

Obviously, if you have had an accident, and you are reading all of this advice, it may have been a few hours since the accident. However, if you ever have another accident, or if it’s only been a few hours since you were hurt, here’s what you should do from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good truck accident attorney as soon as you have had your initial treatment, so the lawyer can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a truck accident in San Diego, Carlsbad, Oceanside, La Jolla, Del Mar, Escondido, Chula Vista, El Cajon, Vista, San Marcos, Solana Beach, Encinitas, Pacific Beach, or anywhere in Southern California, we have the knowledge and resources to be your San Diego Truck Accident Lawyer and your Carlsbad Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

The Sebastian Gibson Law Firm serves auto, motorcycle and truck accident victims in San Diego, Carlsbad, Oceanside, La Jolla, Del Mar, Escondido, Chula Vista, El Cajon, Vista, San Marcos, Solana Beach, Encinitas, and Pacific Beach. We also serve bicycle, pedestrian, and car accident clients from Orange County to Palm Springs, Palm Desert and Indio, Long Beach and Santa Monica, from Newport Beach to Anaheim Hills, Santa Barbara, Ventura, Oxnard and San Luis Obispo, Ontario and Rancho Cucamonga, from Palmdale to Victorville and Hesperia, and all of Southern California.


Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your San Diego Truck Accident Lawyer and San Diego Truck Accident Attorney or your attorney in and around the cities of Corona del Mar, Laguna Beach, Huntington Beach, Irvine, Anaheim, and Santa Ana. We also serve Orange, Fullerton, Costa Mesa, Corona, Temecula, Murrieta, Westminster, Buena Park, Mission Viejo, Garden Grove, Riverside, San Bernardino, Moreno Valley, Fontana, Laguna Niguel, Chino Hills, San Clemente, Malibu, Torrance, Chino, National City and La Mesa.

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1. Remember that prescription I gave you? Is there any chance you didn’t take the medication?

 

2. Don’t worry. The headaches will go away, in time. It’s the swelling and itching that’s going to drive you nuts.

 

3. I hope you like to read, because anything more strenuous than that would be counterproductive.

 

4. We’ll be keeping you on fluids for a few weeks longer.

 

5. So how do you like the hospital food?

 

6. We found something on your X-rays that has us concerned.

 

7. They put dogs to sleep that have fewer problems than you do.

 

8. Have you considered another line of work?

 

9. I really don’t have time to explain why this surgery is necessary. Just sign this form.

 

10. We think when we closed you up from that last surgery, we may have left something inside you that shouldn’t be there.

 

Here are ten actual tips of advice from a truck accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Ontario, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

 

Obviously, if you have had an accident, and you are reading all of this advice, it may have been a few hours since the accident. However, if you ever have another accident, or if it’s only been a few hours since you were hurt, here’s what you should do from the start.

 

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

 

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

 

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

 

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

 

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

 

Seventh, call a good truck accident lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good truck accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good truck accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most truck accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

 

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

 

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

 

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

 

If you’ve had a truck accident in Ontario, Rancho Cucamonga, Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Fontana, Palmdale, Victorville, Hesperia, or anywhere in Southern California, we have the knowledge and resources to be your Rancho Cucamonga Truck Accident Lawyer and your Ontario Truck Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

 

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

The Sebastian Gibson Law Firm serves auto, truck and motorcycle accident victims in Ontario, Rancho Cucamonga, Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Fontana, Palmdale, Victorville, and Hesperia. We also serve bicycle, pedestrian and car accident clients from San Diego to Orange County, Long Beach and Santa Monica, Palm Springs, Palm Desert and Indio, Santa Barbara, Ventura, Oxnard and San Luis Obispo, and all of Southern California.


Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your Rancho Cucamonga Truck Accident Lawyer and Ontario Truck Accident Attorney or your attorney in and around the cities of Corona del Mar, Laguna Beach, Huntington Beach, Irvine, Anaheim, Santa Ana, Carlsbad, Oceanside, La Jolla, Del Mar and Escondido. We also serve Orange, Fullerton, Costa Mesa, Corona, Westminster, Buena Park, Mission Viejo, Garden Grove, Chula Vista, El Cajon, Vista, San Marcos, Solana Beach, Encinitas, Laguna Niguel, Chino Hills, San Clemente, Pacific Beach, Coachella, Rancho Mirage, La Quinta, Joshua Tree, Rialto, Redlands, Hemet, Perris, Colton and Yucaipa.

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It’s long been recognised as a way to get a young driver insured cheaply, yet most people aren’t aware that it’s a form of fraud. I’m talking about Fronting Up – the practice of a parent insuring themselves on their teenager’s car, and listing the teenager as a named driver only.

If you have claimed to be the main driver on a car yet the car is actually being kept at your son or daughters university, you’d have a hard time explaining how it got stolen from the campus car park.

Of course, it’s only fraud if the teenager is the predominant or sole driver of the car. If they only drive it occasionally, then there’s no problem – apart from proving this if a claim is needed.

With car insurance premiums going through the roof for young drivers, it’s not surprising that parents are resorting to this method. In some cases it seems to be a choice of either fronting up, letting your child drive without insurance, or paying a costly premium. Very few teenagers can get jobs that will cover a £2000 premium, so the onus usually falls on the parents. And of course, letting them drive without insurance can now result in an instant driving ban and hefty fines, maybe even having the car crushed, so fronting up often seems like the only option.

But there are ways for young drivers to get cheaper motor insurance. If they haven’t passed their test yet, don’t insure them at all. Let them drive solely under the driving instructors insurance until they get a full licence. Insuring a licensed driver is cheaper than insuring a learner.

Encourage them to take their Pass Plus. This is a course typically costing between £120 – £150 and is offered by most driving instructors. It covers motorways and night driving, and can secure the driver substantial discounts on their premiums with certain insurers.

If you can afford it, buying a new car can cut premiums. Some smaller models come with free insurance for a year, and new cars are recognised as having fewer problems and therefore less likely to result in a claim. If a new car is not an option, go for a car which has no modifications (even a set of alloy wheels can bump up a premium), a low engine size – which will also save on car tax – and generally as low a value and insurance group as you can find.

Beware of certain types of car too. Some models are typically bought by ‘boy racers’ and include the Nova, the Corsa and the smaller Peugeot models. Insuring one of these cars for a young driver, especially a male, can bump up the price of the car insurance still further. Unfair, but true, that the boy racer has raised premiums for all drivers under 25.

J Tillotson is a financial author based in the UK

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