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8 Tips To Improve Your Auto Accident Settlement Game
Tips For Filing a Car Accident Claim

In states where there is no no-fault insurance you could have to file a lawsuit against the driver in a small claims court. You should think about hiring an experienced lawyer for accidents prior to making this decision.

The insurance company of the other side will examine your claim to determine the liability for the collision and pay compensation for your injuries, car damage and other losses, including pain and suffering. The process typically involves the following steps:

Gathering Information

Take pictures of the vehicles involved in the crash. Include any injuries or damages. Photographs can be used to prove that the incident occurred as you have described. Take pictures of the accident site, including any skidmarks or other debris.

If you can, it is important to obtain the names, addresses and telephone numbers from eyewitnesses. They could be able testify later as to the cause of the accident as well as who was responsible. In some instances eyewitness testimony may be the most valuable evidence in a case.

Take down the insurance information of everyone who were involved in the accident. You'll require the name of the insurance company along with the policy number, contact details, as well as the driver's name and license plate number. If you get this information as early as you can will help avoid confusion or disputes later on.

Documentation of medical expenses and treatments can prove valuable in any claim. Keep receipts for prescription pain medication and other expenses that result from the accident could help support the damages that are claimed in the claim. In addition, if you're in a position of being unable to work because of your injuries, it is crucial to keep an eye on your lost wages.

Claim Form


It is best to file a claim as soon after the accident as possible if you can. This gives the insurer the opportunity to go through all of your documents and then get to work. This ensures that you're in compliance with the New York law deadlines for filing your claim.

When you file an insurance claim for your car it is necessary to provide details of the incident and any injuries that you sustained due to it. The information you provide will be used to calculate damages, such as compensation for medical expenses lost wages, damage to property and pain and discomfort.

The insurance company will also have to determine the fault, if necessary. The final police report may serve as a reference point. However it is essential to remember that determining fault is not always easy. In some cases, even if you think the accident was your fault other factors might be responsible for it. For instance, New York is a state that is a comparative fault one meaning that your losses will be reduced according to the percentage of fault you have.

The insurance company will assign an adjuster to your case. It's a good idea to bring your lawyer along while you speak with the adjuster. They'll provide an objective perspective and help you negotiate a fair settlement. If you're unable to negotiate an acceptable settlement, it could be necessary to go to trial to receive the compensation you're due.

Examining the Damages

They will be keen to visit the scene of the accident to see the scene for themselves. They'll likely interview you as well as any other participants who were involved in the collision and talk to witnesses and examine your vehicles. They will also scrutinize your medical records, expenses, and lost wages in order to obtain a more precise picture of the effect that the accident had on you.

While you are waiting for the police, take pictures with your phone. This will allow you to document the skid marks and damage on both vehicles as well as the location of the cars.

If you are sure, you can exchange insurance and contact information with the other drivers involved in the accident. Note down the name, address, phone number, insurance company, policy number, and driver's licence information for each person. Also note the car's model, year and license plate number.

In the heat of the circumstances, it could be tempting to point the finger at another driver. But, this could backfire. Be calm and avoid admitting fault or guilt. It's also an ideal idea to record the names and numbers of eyewitnesses who witnessed the accident, if they are able to.

Negotiating the Settlement

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

The first step is to write your letter of demand which includes the amount you require to cover your costs and injuries. Your attorney can help gather this information and also include any other documents to support your request. If you submitted photos of your car or injuries that were particularly serious to the insurance adjuster, your lawyer would make mention of them during negotiations. Additionally, your lawyer will remind the insurance adjuster of your suffering and damages that are based on the emotional distress and mental anxiety you've endured as a result of the accident.

Insurance companies will treat your claim more seriously if hire an attorney to negotiate for a settlement on behalf you. auto accident attorney edmond may also offer a better settlement. Your attorney will file a suit if the insurance company refuses to offer a fair settlement.

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