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How to File a Motor Vehicle Claim

If your vehicle is damaged in an accident, it is necessary to file an insurance claim. It is crucial to know how this procedure is carried out.

Insurance companies will send an adjuster who will inspect the damage to your vehicle. It's not always necessary to be present for the inspection, but you should bring your policy and any other documentation that is relevant.

Take Pictures

Ever watch a crime show where the investigators go through every square inch of the scene, taking photos of the tiniest detail--from footprints to chocolate wrappers that have been tossed away? Apply the same level of attention when looking over the scene of your accident. motor vehicle accident attorneys simi valley is important to capture as much of the incident as you can when it happens to ensure that you have something tangible to prove your case later.

It is crucial to take pictures of both vehicles, however you should also consider taking pictures of the damaged components. These photos can help insurance companies as well as expert witnesses to determine the size of different objects. In your photographs, include references to points of reference, such as the location of stop signs or traffic lights. These can later be tied to the at-fault driver's actions that led to the crash.


Photograph the other drivers and their passengers, as well as witnesses. You may be in a position to capture a photograph of their license plate. Additionally, you can take pictures of emergency responders and their vehicles, and if you are placed on a gurney and then into an ambulance, snap a picture of that as well.

If your lawyer or court has ordered you to submit photos, only provide the images. You could be knowingly giving evidence that is against your claim if you do not. For instance, if you alter the date stamp on your photos after the incident, it could make insurance companies doubt the legitimacy of your claim.

Seek medical attention

The first thing you must do following an accident is to seek medical attention. This is not just important for your own health but it also ensures that any injuries you have are documented. In many personal injury claims you will be seeking compensation for medical expenses and other damages. This is why medical records are essential to the success of your claim.

If there aren't any symptoms that you are able to identify it is important to make an appointment to see your primary doctor or an emergency room. Your doctor will be able give you a complete medical assessment and will determine the severity of your injuries. Furthermore they'll be able to give you the needed treatment.

It is crucial to follow your doctor's recommendations regarding the treatment plan you are on as it will help you recover faster and help strengthen your case. This includes filling your prescriptions, taking any non-prescription medications, participating in physical therapy, complying with instructions on time off of work and attending follow-up appointments.

It is essential to avoid saying anything that an insurance adjuster could mistakenly interpret. The insurance company might try to discredit the harm you have suffered in order to deny or reduce the amount of compensation you receive. This is why it is recommended to not talk with any adjusters from insurance companies unless you have your attorney present with you.

Contact an attorney

Having access to legal representation is critical for those who have suffered. Lawyers can help injured people deal with their stress and can help them determine where to focus their energy. Attorneys can also evaluate the evidence and facts of a case to determine whether it's worth fighting for in court.

Insurance companies are primarily businesses. Their mission is to collect the highest amount of money from their insureds, while paying the lowest amount of money that is possible (in the theory). It's tempting, when you are in the middle of an incident to accept a lower settlement offer since it's the simplest thing to do. This is a mistake that can have disastrous consequences down the road.

If you file an insurance claim, the adjuster from your insurance company will come out to assess the damage to your vehicle and review receipts for personal property damages and medical bills. They will probably also interview witnesses and read police reports. It is a good idea to get estimates on repairs from local contractors or auto shops before meeting with the adjuster, so that they know what to expect in terms of repairs.

An experienced motor vehicle accident lawyer can make sure that all required information is provided promptly and that the right documents are provided to an insurance company. The attorney can also provide advice and recommendations about how to handle an insurance adjuster, how to manage an agreement and what to do if an insurance provider is not responsive or is acting in a way that is unethical.

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