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Is Auto Accident Settlement Just As Important As Everyone Says?
Tips For Filing a Car Accident Claim

In states that haven't adopted no-fault insurance policies, you may have to sue the other driver in a small claims court. auto accident lawsuit arlington heights should consider retaining an experienced accident lawyer before taking this step.

The insurance company of the other party will investigate your claim and determine the liability for the collision. They will then award you compensation for your injuries as well as car damage as well as for expenses such as pain and suffering. The process typically involves the following steps:

Gathering Information

Photograph the vehicles involved in the crash. Include any injuries and damages. Photographs can be used to prove that the accident took place as you've described. Take pictures of the site of the accident, including any skidmarks or debris.

It is also vital to get the names, addresses and telephone numbers of eyewitnesses if possible. They may be able to be later called in to testify about the circumstances of the accident and who was at fault. In some cases eyewitness testimony is the most important evidence in the course of a lawsuit.

Note down the insurance information of all the parties involved. You'll require the name of the insurance company as well as the policy number and contact information, as well as the driver's name and license plate number. Getting this information as soon as possible could prevent any confusion or disputes later.

Documentation of medical treatment and expenses can be valuable to a claim as well. Keeping receipts for prescription pain medications and other expenses incurred as a result of the crash could be helpful in proving the damages claimed in the claim. If you are unable to work due to an injury, you must keep the record of any wages lost.

Filing the Claim

It's best to make a claim as soon after the incident as you can if you can. This gives the insurance company an chance to review all of your documents and begin work. This ensures that you're in compliance with the New York law deadlines for filing your claim.

You'll have to provide information regarding the incident including any injuries that you sustained. The information you provide will be used to calculate damages. This includes reimbursement for medical expenses, lost wages, property damage, and discomfort and pain.

If it is necessary, the insurance company must to determine who is at fault. It is beneficial to have the final police report available to aid in this process. It is crucial to remember that determining who is to blame isn't always a simple task. In some instances even if you believe the accident was your fault, other factors may have contributed to the accident. For example, New York is a state of comparative fault meaning that your damages will be reduced based on your percentage of fault.

The insurance company will assign an adjuster to your case. It's a good idea bring your lawyer along while you speak with the adjuster. They'll be able to offer an objective perspective and help you negotiate an equitable settlement. If you're not able to reach an acceptable settlement, it might be necessary to go to court to receive the compensation you're due.

Examining the damage

They'll want to go to the scene of the accident to see what they can. They will probably interview you and the other people involved in the accident, speak to witnesses, and examine your vehicles. They will also scrutinize your medical records, expenses and lost wages to gain a better understanding of the impact that the accident had on you.

While you wait for the police to arrive, take pictures using your mobile phone. This will help document skid marks, the locations of both cars and their extent of damage, as well as the presence of any obstructions.


During this time it is recommended to share contact and insurance information with other drivers involved in the accident, if it is safe to do so. Note down the names, addresses, phone number, insurance company, policy number, and driver's license details of each driver. Also note the car's make year, year and license plate number.

In the heat of the situation, it may be tempting to point the finger at another driver. However, this could backfire. Be calm and don't acknowledge fault or guilt. It's also an ideal idea to record the names and telephone numbers of witnesses to the accident, if they are able to.

Negotiating the Settlement

The process of negotiating a settlement after a car accident can be stressful, particularly when you must deal with medical bills and lost income. Fortunately you can get the process made easier by hiring a knowledgeable lawyer to negotiate with the insurance company on your behalf. An attorney can better comprehend the law, estimate your total damages, and know what to expect in settlement negotiations with an insurance company.

The first step is to write an official letter of demand that includes the amount you need to cover your expenses and injuries. Your attorney can assist you in compiling this information, and also include any other relevant documentation that supports the request. For instance, if for example you provided the insurance adjuster with photos of your car and injuries that were particularly strong, your lawyer will mention the photos during negotiations. Additionally, your lawyer will remind the adjuster of your suffering and damages that are based upon the mental and emotional anxiety you've endured as a result of the accident.

If you hire a lawyer to negotiate a settlement on behalf of you, insurance companies treat claims more seriously and typically offer higher settlements. Your lawyer will pursue a lawsuit if an insurance company refuses to offer a fair settlement.

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