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How to File an Auto Accident Claim
In states that have no-fault insurance, your insurer will pay for medical costs and lost wages, regardless of who is responsible for the accident. They'll also be looking over documents and gather evidence (photos witnesses' testimony medical records, and expense reports).
The amount you receive is contingent on the severity of injuries and expenses. This article will walk you through the steps of filing an auto accident claim.
Report the Accident
It's important that you report a car crash promptly. In many states, this will be performed by the local police, county sheriffs, state police, or Department of Motor Vehicles.
If you can, take photos of the crash scene. You can use them to help you remember the accident and to file a claim for insurance. For instance, pictures can show skid marks, vehicle damage as well as weather conditions and other important details.
It's also a good idea to obtain the other driver's details, including their name and insurance company. If possible, you should ask for the driver's licence and vehicle registration.
It's also important to write down your own account of the accident and what you saw and what happened. If you don't record the details of what transpired, you could be held accountable for any injuries or damages that later become apparent. If you do not report the incident the insurance company could decline to cover any damages that result from it. Review your policy or call your agent to inquire whether you are required to file an accident report.
Get Medical Attention
Following a car accident, you must seek medical attention and have your body examined to determine if there are any injuries. Seeing a doctor as soon as possible can help you avoid any further issues and can strengthen your claim when it's time to negotiate with the insurance company.
It is recommended to go to an emergency room at a hospital, in the event that it is possible after a car wreck. This is because hospitals have access to top surgeons, doctors and medical equipment. Insurance companies and defense lawyers may find it difficult to minimize injuries treated in a hospital.
Car accidents can cause injuries that range from minor bruising, to serious internal injuries like traumatic brain injury or paralysis. Even if you don't feel any symptoms at first like discomfort or stiffness it is imperative to see a physician. Medical records are the most important evidence you can use to support your claim that you sustained injury-related injuries as a result of the crash.
Our Denver car accident attorneys will use these records to build a solid case that the actions of the driver at fault caused your injuries and you are entitled to fair compensation for your injuries.
Take Photos
Photograph the scene of the accident as quickly as you can, and ideally before police arrive. If you're able take pictures of the damages on each vehicle from different angles. It is also important to take close-up pictures of the vehicles and any other evidence of importance (such as broken glass or airbags deployed) if you can safely do so. If you can't get close-ups of the vehicle, place an object, such as an empty penny in the photo to give it some scale. You can also take pictures without or with flash to reveal the hidden details.
You should also take pictures of any injuries you suffered during the accident. These photos will provide valuable evidence later on. Injuries and cuts will fade with time. It is also a good idea to take pictures of other things that are relevant to the incident (such as traffic signals, road signs, weather conditions, and road debris) as they can help paint a clearer picture of what happened.
Contact Your Insurance Company
Contacting your insurance company is vital, whether or not you plan to file a claim for an accident in your car. Your policy could require you to take this step, but even in the event that it does not, your attorney will require proof of your losses (like medical expenses and repair costs) to prove your claims.
In addition to obtaining your vehicle's information and identifying the other drivers involved in the incident You should also gather any other relevant information at the scene, suggests Luna. Inquire about the insurance card of the other driver and ensure you have their name and address, contact number, and details regarding their car insurance (company, policy numbers). If there are witnesses, collect their names and contact numbers.
auto accident lawyer tuscaloosa is important to remain calm, even when the last thing you would want to do after a car accident is to dispute insurance companies. If you are emotional your statements can be later used against you in the process. This is why it's best to hire an attorney handle negotiations. They can make sure that you don't say anything that could be used against you later on.
Contact an attorney
An experienced attorney can help you in negotiations with the insurance company to obtain a fair settlement. They will look over all medical records and bills and talk to doctors to determine the totality and severity of your injuries. If you don't provide them with complete and accurate evidence, they will not give you a fair value.
In addition to seeking compensation for your economic losses, like medical bills and lost wages, you may be entitled to non-economic damages for pain and suffering. If the court finds that the other driver acted with gross negligence or recklessness it could make punitive damage a possibility.
If the at-fault driver fled the scene, you'll have to report the incident to the police. You can also get an exact copy of a crash report from the police precinct or online. This will be required to bring a lawsuit or a no-fault claim. New York has specific laws that regulate automobile accidents. An experienced attorney can explain these rules.
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