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Common Myths About Car Accident Claims Debunked

November 03, 2025


30+ Years | 10,000+ Cases | $300 Million+ Recovered

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Posted in Personal Injury Lawyer

Many people have strong opinions about what to do after a car accident. Some of that advice is useful, but a lot of it is based on misunderstandings or outdated information. In Washington, DC, where traffic is dense and crashes are unfortunately common, these myths can cause people to make decisions that delay their recovery or limit their legal options. By clearing up a few of the most common myths, we can make better choices if we ever find ourselves involved in a crash.

You Have to Be Seriously Injured to File a Claim

One common belief is that if we’re not rushed to the hospital, we don’t have a claim. In truth, many injuries take time to show symptoms. Whiplash, concussions, and back issues often appear in the hours or days after an accident. Just because we feel okay right after the crash doesn’t mean we won’t need treatment. Even if the injury seems minor, the medical costs and time away from work can still add up. Filing a claim isn’t just for major trauma—it’s about holding the right party responsible for all damages, big or small.

The At-Fault Driver’s Insurance Will Automatically Cover Everything

Another common assumption is that the other driver’s insurance will step in and take care of everything without question. The truth is more complicated. Insurance companies often look for ways to reduce what they pay. They may try to argue that we were partially responsible or that our injuries weren’t caused by the accident. Just because someone else was at fault doesn’t mean their insurer will offer a fair payout right away. That’s one of the reasons many people decide to speak with our Washington DC car accident lawyer who has experience dealing with these situations.

If You Were Partially at Fault, You Cannot Recover Anything

In DC, the law follows a contributory negligence rule. This means that if we’re found even slightly at fault, we might not be able to recover damages. Because of this strict rule, people often assume there’s no point in taking legal action if they had any role in the crash. However, it’s a mistake to give up before the facts are fully reviewed. There may be important details or evidence that shift the picture of what happened. It’s worth having someone evaluate the case before making assumptions about fault.

You Can File Anytime After the Accident

Time limits matter, and waiting too long can close the door on a valid claim. In DC, there’s a deadline to file most personal injury lawsuits, including car accident claims. Once that time runs out, we generally lose the right to take legal action, even if we have a strong case. Acting quickly doesn’t mean rushing into a decision—it just means protecting the right to seek compensation if needed.

Legal Help Is Only for Large Settlements

Some people think hiring our lawyer is only necessary when the case involves massive damages or long-term injuries. In reality, working with the right legal team can help in many situations, including those that seem simple at first. Even low-speed collisions can result in injuries, lost time at work, or disputes with insurance companies. Having someone who knows the law on our side can help us avoid costly mistakes and focus on recovery.

At Cohen & Cohen, we’ve heard just about every myth there is when it comes to accident claims. Wayne R. Cohen, Esq., the firm’s founder and managing partner, has spent his entire legal career fighting for people who were injured through no fault of their own. He’s been consistently recognized by national and local outlets, including Washingtonian Magazine, The Washington Post, and The Wall Street Journal. His background in trial law and decades of experience make a difference when people need real answers.

Talk to Someone Who Knows the Law

Misunderstandings about car accident claims can cost time and money—and sometimes even the chance for a fair recovery. If you’ve been in a crash and want to make sure you’re taking the right steps, contact us at Cohen & Cohen. We’re here to listen, answer your questions, and help you make informed decisions based on facts—not myths.

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