Hurt in a Car Accident? Be Careful What You Sign!
The moments after a car accident are chaotic—calls to the police, dealing with injuries, and wondering what to do next. But even after the dust settles, your legal rights are still at risk, especially when insurance companies start sending documents your way.
At Nelson, Bryan, and Cross, we’ve seen too many Alabama residents unknowingly sign away their rights after a crash. If you’ve been hurt in a car accident, here’s one of the most important things to remember: be very careful what you sign.
Why Signing Too Soon Can Hurt Your Case
After an accident, insurance companies—especially the other driver’s—may rush to:
Settle your case quickly
Limit how much they pay
Get you to sign a release of liability form
These documents may look routine, but they can permanently waive your right to seek additional compensation—even if your injuries get worse later.
You may also be asked to sign:
Medical release forms
Recorded statements
Settlement agreements
Each of these documents can affect your claim in ways you may not realize.
Common Mistake: Signing a Release of Liability
One of the most dangerous forms is the release of liability. If you sign this:
You may be giving up your right to sue
You cannot go back and ask for more money
You are essentially closing the case—forever
Insurance companies know that early settlements often favor them, not you. They may offer a quick payout in exchange for your signature, knowing you could need far more later for:
Physical therapy
Surgery
Lost wages
Long-term care
Don’t sign until you’ve talked to an attorney.
Medical Authorizations: A Hidden Risk
You might also receive a medical release form. While this may seem harmless, it often gives the insurance company access to your entire medical history, not just the records related to your accident.
They may use your past health conditions against you to:
Downplay your current injuries
Claim that your pain isn’t from the accident
Reduce or deny your claim altogether
You are not legally required to provide full medical access to the other party’s insurer.
Recorded Statements Can Be Tricky
The other driver’s insurer may also ask for a recorded statement. Be cautious—these are not harmless conversations. Adjusters are trained to:
Ask leading questions
Get you to admit partial fault
Catch inconsistencies in your story
What you say can be used against you. Politely decline and consult an attorney first.
What You SHOULD Do After a Car Accident
Seek medical treatment immediately. Even minor pain can be a sign of something more serious.
Report the accident to your insurer. Give only basic facts—don’t speculate about fault.
Document everything. Photos, medical records, witness names, and lost work days all matter.
Don’t rush to settle. Wait until your injuries and financial losses are fully understood.
Call an experienced car accident attorney.
Let Nelson, Bryan, and Cross Protect Your Rights
If you’ve been injured in a car accident, you need someone in your corner who understands insurance tactics and Alabama personal injury law. At Nelson, Bryan, and Cross, we know how to:
Evaluate your claim’s true value
Communicate with insurers on your behalf
Fight for the compensation you deserve
Keep you from signing anything that hurts your case
Contact us today for a free consultation before you sign anything. One wrong signature can cost you thousands—or even your right to recover at all.
