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How to File an Auto Accident Claim

In no-fault states your insurance company will cover medical expenses and lost wages regardless of who is at fault for the accident. They'll also need to gather evidence and read documents (photos witness testimony, auto Accident photographs medical records, as well as expense reports).

The amount you receive depends on the severity of injuries and expenses. This article will help you understand the steps of filing an auto accident claim.

Report the Accident

It's crucial to notify a car crash immediately. In many states, this is done by the local police or county sheriffs. In some states, it's the state police or Department of Motor Vehicles.

If you can, snap photos of the scene. This can help you recall what happened, and it can be useful in your insurance claim. For instance, photos can show skid marks, damage to vehicles as well as weather conditions and other important details.

It's an excellent idea to obtain the other driver's information including their name and insurance company. Also, you should request the driver's license and vehicle registration, if they are available.

You should also record what you saw and what transpired. If you don't document what happened, you may be held responsible for injuries or damage that later becomes apparent. If you don't notify your insurance company, they could refuse to cover any damages resulting from the incident. Review your policy or call your agent to find out the requirements for filing an accident report.

Seek medical attention

One of the first things you must do following a car accident is to seek medical attention so that you can be assessed for injuries. You can avoid future complications by visiting your doctor as soon as possible. This can also help your case when you negotiate with the insurance company.

If you can, it's best to go to the emergency room at a hospital after a car crash. Hospitals have access to top-notch surgeons, physicians and medical equipment. It can be challenging for insurance companies and defense lawyers to minimize the severity of injuries that are treated in hospitals.

Car accidents can result in injuries ranging from minor bruising, to severe internal injuries like traumatic brain injury or paralysis. Even if symptoms, such as stiffness and pain don't manifest right away it's essential to for a medical appointment. These medical records will be essential evidence to prove your claim that you sustained injury-related injuries as a result of the crash.

Our Denver car accident attorneys will use these documents to present a convincing argument that the actions of the motorist at fault caused your injuries and that you are entitled to fair compensation for your injuries.

Take Photos

Photograph the accident site as soon as you can, ideally prior to police arrive. If you can, take photos of all the damages to each vehicle from different angles. It is also crucial to capture closeup photos of the vehicle and any other critical evidence (such as broken glass or airbags that have been deployed) in the event that you are able to do this. If you're not able to get closeups, try placing something, such as coins, in the photo to show scale. It is also helpful to take pictures with and without flash as different lighting conditions could reveal the hidden details.

It's also recommended to capture the injuries you sustained during the collision. The pictures will be valuable evidence later on. Injuries and cuts will fade over time. Also, it's an excellent idea to record any other pertinent details of the accident as possible (such as road signs, traffic lights, weather conditions and road debris) in order to help paint a more complete picture of what happened.

Contact Your Insurance Company

Contacting your insurance company is essential, auto Accident whether or not you intend to file a claim in the event of an auto accident. You might be required to file a claim under your policy, but even if not legally required, your attorney will need documents detailing your losses to back up your claim (such as repairs and medical bills).

In addition to obtaining your vehicle's information and identifying any other drivers involved in the accident, you should also collect any other pertinent information at the scene, suggests Luna. Make sure you get the insurance card of the other driver and ensure you have their name as well as their address, phone number, and car insurance details (company or policy number). If there are witnesses, collect their names and numbers.

The first thing you'll want to do following a car accident is to argue with insurance companies, it's very important to remain calm. Any statements you make when you are emotional can be used to your disadvantage in the future. This is why it's best to hire an attorney handle negotiations. They can ensure that you don't say anything that could be used against you in the future.

Contact an attorney

An experienced lawyer can assist you in negotiating with the insurance company to obtain a fair settlement. They will review your medical bills and other records and will often consult with a medical professional to give their opinion as to the full extent of your injuries. If you fail to provide them with accurate and complete documentation, they will not give you a fair value.

In addition to pursuing your economic losses, which include medical bills and lost wages, you could be entitled to non-economic damages for suffering and pain. If the other driver was found to have acted with a degree of gross recklessness or negligence and the court awards additional compensation, also known as punitive damages.

If the driver who was at fault fled the scene, you will have to report the incident to the police. Also, you should get a copy of the crash report from the precinct or online. This is required to start a lawsuit or file a no-fault claim. New York has very specific laws that govern auto accident attorneys accidents and these rules are best explained by a knowledgeable attorney.