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How to File an Auto Accident Claim
In no-fault states your insurance company will cover the cost of medical treatment and lost wages regardless of who is responsible for the accident. They'll also want to gather evidence and review documents (photos witnesses' testimony, photos, medical records, and expense reports).
The amount of compensation you receive is contingent on the severity of injuries and expenses. This article will guide you through the steps involved in filing an auto accident claim.
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If you're involved in a car crash, it's important to report the crash immediately. In many states, this will be done by the local police or county sheriffs, state police or Department of Motor Vehicles.
Photograph the scene of the accident, if you can. This will help you remember what happened, and could be useful for your insurance claim. Photos can be used to show details such as skid marks, car damage weather conditions, skid marks and other important information.
It's also a good idea to get the information of the other driver including their name as well as the insurance company. If possible, you should also request a copy of their driver's license as well as their car registration.
It's also important to write down your own report of the incident, including what you saw and what happened. Remember that memory is not reliable If you don't write down what happened then you could be at fault for any damages or injuries that aren't obvious later. In addition, if don't report the accident your insurance company could decline to cover any damages that result from it. Review your policy or call your agent to inquire whether you have to file an accident report.
Get Medical Attention
After a car crash, you must seek medical attention and have your body examined to determine whether there are any injuries. Making an appointment with a doctor as quickly as possible can help you avoid any future issues and can make your claim stronger when it comes time to negotiate with the insurance company.
If you can, it's best to go to the emergency room at a hospital after an accident. This is because hospitals have access to top surgeons, doctors and medical equipment. It can be difficult for insurance companies and defense lawyers to minimize the severity of injuries that are treated in the hospital.
Car accidents can result in injuries ranging from minor bruising, to severe internal injuries such as paralysis or traumatic brain injury. Even if there aren't any symptoms initially such as stiffness or pain it is imperative to consult a physician. These medical records will be essential evidence to prove your claim that you sustained injuries resulting from injury as a consequence of the crash.
Our Denver car accident attorneys will use these records to establish a convincing case that the actions of the driver at fault caused your injuries and that you should be awarded fair damages for your injuries.
Take Photos
Take pictures of the scene of the accident as quickly as possible, ideally before the police arrive. If you can, take photos of all the damaged vehicles from different angles. If you're able, snap close-up shots of the vehicles and other evidence (such broken glasses or deployed airbags). If you are unable to capture close-ups, you can try placing something, such as a coin, in the photo to show scale. It is also helpful to capture photos using and without flash because different lighting conditions can reveal the hidden details.
It's also recommended to capture any injuries you sustained in the collision. The photographs will be useful evidence later on. Cuts and bruises will fade with time. In addition, it's a good idea to capture all other relevant details of the accident as you can (such as traffic lights, street signs, weather conditions and road debris) in order to aid in creating a more detailed picture of what transpired.
Contact Your Insurance Company
Contacting your insurance company is vital, whether or not you plan to file a claim after a car accident. Your policy could require you to make this call, and even in the event that it doesn't, your attorney will require records of your losses (like medical expenses and repair costs) to prove your claim.
Luna advises that you take all relevant information from the scene. This includes information about your vehicle and any other drivers involved. You should ask to see the insurance card of the other driver and ensure that you have their name, address, telephone number and details regarding their car insurance (company or policy numbers). If there are any witnesses, try to find their names and contact numbers as well.
The most important thing you don't want to do after a car accident is fight with insurance companies It is crucial to remain calm. If you're emotional your statements can be used against you later on in the process. It is best to let an attorney handle the negotiations. They will be able to ensure that you don't mention something that could later be used against you.
Contact an attorney
An experienced lawyer can assist you with navigating the insurance company and negotiate a fair settlement. They will review all medical records and bills, and talk to doctors to determine the extent and the severity of your injuries. If you fail to provide them with accurate and complete documentation, they will not give you a fair estimate.
You may be entitled to non-economic damages, for example suffering and pain, in addition to your economic losses. If the court finds that the other driver was negligent, reckless or acted with a high degree of, recklessness or malice, it may decide to award punitive damages.
If the at-fault driver fled the scene, you'll be required to report the incident to the police. You can also obtain the copy of the crash report from the police station or online. You will need this to submit a no-fault claim, or a liability lawsuit. New York has very specific laws that govern auto accidents and these rules are best explained by an experienced attorney.
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