Myth #1.  If you didn’t cause the accident, you have no obligation to do anything.  You still need to protect your rights by checking for injuries, calling the police, notifying your insurance agent, making notes about the accident, and never admitting fault or signing anything. 

Myth #2.  If the accident was the other driver’s fault, you will be compensated for your injuries.  This often depends on whether the at-faulty driver or the owner of the at-fault car has liability insurance or whether you have uninsured motorist coverage.

Myth #3.  A fast settlement is always in your best interests.  By signing off on a settlement too quickly, you may give up important rights, particularly if medical conditions appear weeks or months later.

Myth #4.  If the accident is really minor, you can probably negotiate a settlement on your own, without an attorney.  The other driver’s insurance company will assign legal representation to protect its interests.  Who will protect your legal rights?