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How to File a Motor Vehicle Claim

If your vehicle is damaged during an accident, you'll need to make an insurance claim. It's important to understand how this procedure operates.

An adjuster is sent by the insurance company to examine the damage to your vehicle. You don't have to be present when an adjuster checks the damage to your vehicle, but you must bring along your insurance policy and any relevant documentation.

Take Photos

Have you ever seen a crime-show in which the detectives look over every square inch of the scene and take photos of the tiniest detail--from footprints to discarded chocolate wrappers? Apply the same level of scrutiny to your accident scene. It is crucial to document as much of the incident as possible during the time it occurs so that you can have evidence to support your case in the future.

Taking photos of the damage to both cars is a must, but also consider taking photographs of the areas that have been damaged. These photos will help insurance companies and experts witnesses as they determine the dimensions of different objects. Capture reference points, like the location of traffic lights or stop signs, in your photographs. These can be used to determine the actions of the driver at blame for the crash.

Take photos of other drivers and their passengers as well as witnesses. You might be able to take a photo of their license plate. Take photos of emergency responders, their vehicles, and anyone who is put on a gurney, or into an ambulance.

Only submit the photos to the insurance company if you are instructed by your attorney or ordered to do so by the court. You could unknowingly be giving evidence that is in opposition to your claim if you do not. For instance, if you alter the date stamp on your photos after the accident, it could make insurance companies doubt the validity of your claim.

Seek Medical Attention

When an accident occurs, the first thing to do is seek medical attention. Not only is this crucial for your own health however, it also ensures that any injuries you may have are documented. Many personal injury lawsuits are based on seeking reimbursement for medical bills and other damages. Medical records are crucial to your claim.

Even if motor vehicle accident lawsuit boulder are not experiencing any noticeable symptoms, you should still take a visit to your primary doctor or an emergency room. Your doctor will offer you an assessment of your injuries, and also perform an entire medical examination. They will also to provide you with the treatment that is needed.

Following the treatment plan of your doctor will help you recover quicker and improve the condition. This includes filling your prescriptions, taking any over-the-counter medication, participating in physical therapy, adhering to instructions on time off of work, and attending follow-up appointments.

It is important to avoid saying anything that an insurance adjuster may misinterpret. The insurance company may attempt to discredit the injuries that you've sustained in order to reduce or deny your compensation. It is important that you only speak to insurance adjusters with your attorney present.

Contact an Attorney

Accessing legal representation is essential for those who have suffered. Lawyers can assist injured parties reduce stress and determine where they should focus their energies. Attorneys can also consider facts and evidence to determine whether a case is worth fighting in court.


Insurance companies are primarily businesses. Their objective is to collect the highest amount of money from their insureds while paying out the least amount of money (in the theory). If you're at the scene of an accident, it might be tempting to take an offer that is too low because it's the most convenient decision to make. It could result in disastrous consequences in the future.

When you submit an insurance claim the insurance adjuster will come out to examine the damage to your vehicle and will look over receipts for personal property damage and medical bills. They may also interview witnesses and examine police records. It is usually helpful to get repair estimates from local auto shops or contractors before meeting with the adjuster, so they know what to expect in terms of repairs.

An experienced motor vehicle accident attorney can make sure that all information required is provided promptly and that the appropriate documents are submitted to an insurance company. He or she can provide advice and suggestions on how to deal with an insurance adjuster, how to deal with an agreement and what to do if an insurance company doesn't respond or has a shady behavior.

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