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How to Document a Motor Vehicle Claim

A motor vehicle claim is the procedure of submitting a report with your insurance company following an accident. The report will allow them to check your coverage and determine the amount they will pay out for damages.

You'll want to submit your claim as soon as you can after the accident. You'll need the police report, your insurance card or declaration pages.

What to do following an Accident

Take pictures and videos from various angles following an accident to record the incident. The scene could change quickly witnesses may leave and evidence may disappear.

If you can, gather all driver's names telephone numbers, addresses, and insurance information. Note the year, model, and make of each vehicle, and any other important information such a damage or license plate number.

It is also helpful to ask every driver if they wore seatbelts or had passengers and note their gender and age. In a majority of cases injuries caused by motor vehicle accidents don't become apparent for a few days after the accident. This is why it is essential to seek medical treatment as soon as you can, even if you do not think you've suffered any injuries.

If you are able to, move the vehicle away from traffic in order to avoid further damage or injury. Set up flares and reflective emergency triangles as well to stop other drivers from hitting you.

Be sure to make a report to the police if you are able to. This is important to do even if you think it was minor because the other driver might later admit that the incident occurred and their insurance company could refuse to pay your claim.

Getting Started

An insurance claim is the process of letting your insurer know about a loss, and asking them to compensate for it. This could mean the cost of repairs to a vehicle, or paying medical expenses resulting from an accident.

Make sure you have all the necessary information before making your claim. This includes the contact information of each person involved, receipts for damaged personal property and any medical bills. Also, you should have the accident report, as well as photographs of any damage.

Your insurer will assign an adjuster for your case who will serve as the head of your claim. They will examine the information you have provided immediately after the accident, and conduct an investigation of their own. This will enable them to determine the reason for the accident and who was at fault.

Your adjuster will inspect your vehicle once they've determined the extent of the damage. You are welcome to attend the inspection, or provide a list with repair estimates from local auto shops or contractors.

If the insurance company decides that your car's damage is too costly to fix it will mail you a check that is equal to the value of the vehicle. This will allow you to purchase a replacement or use it to cover the remaining lease or loan payment. If you are able to file a claim insurance rates could rise. Do everything you can to show that the incident wasn't at fault.

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Documenting an accident is crucial if you're involved. Insurance companies are looking for documentation that supports the claims that you or others make. Evidence that is gathered and documented could make or break the majority of cases. It's crucial to have all the evidence whether it's photographs of the accident scene or witness statements, or medical records that demonstrate consistent treatment.

At the time of the incident, make sure to note down the other driver's license number and vehicle information. Record the names and contact information of any witnesses. If you can, take pictures or create a diagram of the accident scene. This will help in describing what transpired at the scene of the crash, including the reason for the crash.

The documentation also provides details about the incident, including the location at which it occurred along with the direction of travel, as well as any landmarks or other relevant areas. Include the details of the injuries sustained. It's also crucial to record any damage and the way it happened. It is important to document the incident as memories may change over time and the stories can change. It's the best way to be able to tell the truth. Even if you're at fault, having the facts documented will assist in determining the amount of responsibility and responsibilities should be assigned to you.

Need Help

After the police report has been filed, contact your insurance company as quickly as possible. Many insurance companies now allow you to make a claim through your smartphone or tablet. You should also request that your insurance company send you a check for the value of your car. This can be helpful if your vehicle is considered "totaled" and you are planning to purchase a brand new one. You can pay off your loan and/or lower your monthly payment if you still owe money on your vehicle.

Your representative will ask you a series of questions before sending you a document to fill in. It is essential to be honest and accurate in the information you provide. If you are found not to have given accurate information, it could be detrimental to your case.


If you have been injured by accident, make an appointment to see your doctor as soon as possible. This will ensure that any broken bones are properly set and that all other injuries are recorded. By visiting your doctor as soon as you can, you can also ensure that your medical costs are covered by accident-related no-fault benefits.

If your No-Fault claim gets denied by the insurance company, or you'd like to pursue a liability claim for the pain and suffering of others or any other damages, you will have to file a lawsuit. If you choose to file a lawsuit it's a good idea to have an experienced lawyer by your side.

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