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How to File a Motor Vehicle Claim

If your vehicle is damaged during an accident, you will make an insurance claim. It is important to understand the process.

An adjuster will be arranged by the insurance company to examine your vehicle damage. You don't have to be present when an adjuster inspects the damage to your vehicle, but you should bring along your policy and any other relevant documentation.

Take Photos

Have you ever watched a crime drama where investigators comb 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 important to capture as much of the incident when it happens to ensure that you have evidence to prove your case in the future.

Getting pictures of the damage to both cars is essential however, you should also think about taking close-ups of the areas damaged. These can help insurance companies and expert witnesses to determine the size of objects, including skid marks. 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.

Photograph the other drivers and their passengers as well as any witnesses. It is possible to take a picture of their license plate. Take photos of emergency responders, their vehicles, and anyone who is put on a gurney, or into an ambulance.

If your attorney or the court has ordered you to do so, only provide the images. In other words, you could accidentally be providing evidence against your own claim. If you alter the date on your photographs the insurance company might doubt your claim.

Seek Medical Attention

If you are involved in an accident the first thing to get medical attention. This is not only for your health, but also to ensure that any injuries are documented. In many personal injury claims the plaintiff seeks compensation for medical bills and other damages. This is why medical records are vital to the success of your claim.

Even if you are not experiencing any noticeable symptoms, it is still advisable to take a visit to your primary care doctor or an emergency room. Your doctor will be able to give you a complete medical evaluation and assess the extent of your injuries. They will also provide you with the treatment you require.

Following your doctor's treatment plan will help you recover faster and make the case stronger. motor vehicle accident attorneys virginia includes taking your prescribed medication and any over-the counter medications taking part in a physical therapy program taking the time off as directed by your doctor, work, and completing any subsequent appointments.

It is important to stay clear of saying anything that an insurance adjuster may miss-interpret. This is because the insurance company might attempt to discredit your injuries in order to deny your claim or lower the amount they will award you for your claim. It is important that you only speak with insurance adjusters with your attorney present.

Contact an attorney

Legal representation is crucial for injured parties. Attorneys can assist those who have been injured reduce stress and know where to concentrate their efforts. Attorneys can also examine the evidence and facts of an incident to determine if it's worth fighting in court.


The insurance company is first and foremost an organization and their objective is to collect as much money from insureds as is possible while paying as little as is possible (in theory). If you're at the scene of an accident, it can be tempting to accept a lowball offer early on because it's the simplest decision to make. This is a mistake that could result in devastating consequences later on.

If you file an insurance claim, the insurance adjuster will be out to assess the damage to your car and will look over receipts for personal property damages and medical bills. They might also question witnesses and read police reports. It is usually helpful to get repair estimates from local auto shops or contractors prior to meeting with the adjuster, so they know what to anticipate when it comes to repairs.

An experienced motor vehicle attorney can assure that all required information is in the documents and that correct documents are provided to the insurance company. They can offer advice and make recommendations on how to handle the claims adjuster, how to handle a settlement, and what to do in the event of an insurance provider being unresponsive and acting unethically.

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