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Common Myths About Car Accident Claims Debunked

November 03, 2025


 

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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 Some of that advice is useful, but a lot of it is based on misunderstandings or outdated information.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.

Why Accident Survivors Trust Cohen & Cohen

Hear From Our Clients

“Cohen & Cohen did a great job at recovering a good amount of money for me after my accident. Siri was super informative & responsive. Overall I had a great experience using this firm & they will be my first call if I am ever in an accident again.”

– Charles M.

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“I had a very positive experience with Cohen & Cohen and I highly recommend them to anyone who needs their services.”

– John G.

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“I would highly recommend Cohen & Cohen. They were awesome on my case. Cohen & Cohen had my best interest at heart at all times.”

– Morgan L.

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“My experience at Cohen & Cohen has been great from the beginning until the very end when my case was closed…I would definitely recommend them to family, friends or anyone that has a case with a personal injury accident.”

– Maria M.

Reviews

From Our Valued Clients

Cohen & Cohen has an impeccable client satisfaction rating with hundreds of 5-star reviews. We are among the best-rated firms in D.C., Virginia, and Maryland.

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M Strolle
19 days ago
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Kim Brooks-Rodney settled my mother's case expeditiously, with great patience and sensitivity and won us a magnificent settlement. I can't imagine that a better personal injury lawyer exists. I highly recommend her and her firm, Cohen & Cohen. They are undoubtedly the best of the best.
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Tanea washington
26 days ago
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This law firm was great and Nicole did a wonderful job on my case. Keeping me updated along the way with any changes or information really kept me at ease. I would recommend them over and over again!
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Gabriel anteneh
39 days ago
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Glorious glorious , Nicole and her firm are the best . Treated me with kindness.
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David junior COLY
46 days ago
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Nicole was great in assisting with my case. Thank you so much
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Kenneth Distance
59 days ago
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Ms. Skibicki handled my uninsured motorist claim exceptionally well. She understood the importance of balancing justice and compensation from those involved in the dispute. She fought for a fair settlement and genuinely listened to my concerns and complaints about the process, showing empathy throughout. She thoughtfully explained the pros and cons of pursuing further litigation if I was not satisfied with the offer, and she gave me ample time to make a decision that felt right for my situation. I never felt pressured to accept an offer that didn’t meet my needs. If I need legal assistance again, I would choose Cohen and Cohen and specifically request Ms. Skibicki as my attorney.
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Siayre Nichols
62 days ago
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I had Ms. Nicole handle my case and she was amazing! One of my biggest worries was having a lawyer who wouldn’t take my case seriously, but Ms. Nicole was went to bat for me and did an excellent job. I really appreciate you, Ms. Nicole!
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maraki solomon
75 days ago
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I had an excellent experience with Cohen & Cohen from start to finish. My lawyer was professional, responsive, and genuinely cared about my case. They explained everything clearly, kept me informed throughout the process, and made what could have been a stressful experience much easier to navigate. I truly appreciate all of their hard work, dedication, and support. I highly recommend Cohen & Cohen to anyone in need of a personal injury lawyer
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Christopher Ruiz
82 days ago
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Fantastic firm. The attorneys resolved my case with clear communication and genuine determination to see that I would be left in the best position possible. Special kudos to Nicole Skibicki for pushing through the finish line.
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Meredith Stasa
83 days ago
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I retained Cohen & Cohen after I was struck by a car and fractured my spine. Adam was kind, knowledgeable and truly an advocate throughout the entire settlement process. He was incredibly responsive to my calls, emails and texts, and always took the time to explain how parts of the admittedly complex process worked with insurance, etc. Adam was able to secure a settlement of the offender's maximum policy limit, and the process was completed within a year. 10/10 recommend!
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Nini Da Silva
88 days ago
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I rarely write reviews, but this experience was truly worth sharing. Cohen & Cohen exceeded my expectations throughout my case. Nicole Skibicki, Esq. was an outstanding attorney who demonstrated professionalism, compassion, and genuine care from start to finish. She took the time to listen whenever I needed to vent about my situation, and her empathy made a difficult process much more manageable. Nicole was a strong advocate on my behalf and worked diligently to ensure that I received a fair settlement from the insurance company. I always felt informed, supported, and confident that my case was in capable hands. I highly recommend Cohen & Cohen to anyone seeking a personal injury or accident attorney. If you want experienced legal representation, exceptional client service, and a team that truly cares about achieving the best possible outcome for you, this is the firm to choose. Thank you, Nicole and the entire Cohen & Cohen team, for your dedication and outstanding work!

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