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How to File a Motor Vehicle Claim
If your vehicle is damaged due to an accident, you'll need to make an insurance claim. It is essential to understand the process.
Insurance companies will send an adjuster to examine your vehicle damage. It is not necessary to be present when an adjuster inspects your vehicle damage, but you must bring along your insurance policy and any relevant documentation.
Take Photos
Have you ever watched a crime drama 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 method to your accident scene. It is important to record as much information as you can about the incident when it occurs to be able to be able to prove your case later on.
Taking photos of the damage to both vehicles is a must, but also consider taking close-ups of the areas damaged. These photos can assist insurance companies and also expert witnesses, determine the size of various objects. Record reference points, such as the location of traffic lights or stop signs, in your photographs. These could be later linked to the actions of the driver at fault that led to the crash.
Take photos of the other drivers and their passengers as well as witnesses. You might be in a position to take a picture of their license plate. Additionally, you can take pictures of emergency responders and their vehicles. Lastly, if someone is placed on a gurney, and then an ambulance, take a picture of that as well.
Only submit the photos to the insurance company only if directed by your attorney or if ordered to do so by a court. You could accidentally give evidence that is in opposition to your claim if you don't. For instance, if you change the date stamp on your photos following the incident, it could make insurance companies doubt the validity of your claim.
Seek medical attention
When an accident occurs, the first thing you have to do is seek medical attention. This is not only for your health but also to ensure any injuries are recorded. Many personal injury lawsuits involve seeking reimbursement for medical expenses and other damages. Medical records are crucial to your claim.
If there aren't any symptoms that you can notice, you should make an appointment with your primary doctor or an emergency room. Your doctor will offer you an assessment of your injuries, and also perform a complete medical evaluation. In addition they will be able to give you the needed treatment.
Following your doctor's treatment plan will help you to recover faster and help strengthen your case. This includes taking your prescriptions and any prescription medications that are available, participating in a physical therapy program taking the time off as directed by your doctor, work, and attending follow-up appointments.
It is important to stay clear of saying anything that an insurance adjuster may miss-interpret. This is because the insurance company could attempt to deny your injuries in order to deny your claim or lower the amount of money they'll award you for your claim. This is the reason it is advised to not speak with any adjusters from insurance companies unless you have your attorney present.
Contact an attorney
Legal representation is essential for those who have been injured. Attorneys can help injured parties manage their stress and know where to concentrate their efforts. Additionally, attorneys can analyze the evidence and facts of the case to determine if it's worth fighting in court.
motor vehicle accident attorneys raleigh is first and foremost an enterprise and their aim is to take as much money from insureds as possible while paying as little as is possible (in the theory). If you're at the scene of an accident, it could be tempting to accept an offer that is too low because it's the simplest thing to do. This is a mistake that could have disastrous consequences down the road.
If you make a claim with your insurance company, an adjuster will come to your home to assess the damage done to your vehicle. They will also look over the receipts for medical bills and personal property damages. They may also question witnesses and look over police records. It is a good idea to obtain estimates for repairs from local auto shops or contractors prior to meeting with the adjuster, so they are aware of what to expect in terms of repairs.
An experienced motor vehicle accident attorney can make sure that all the required information is included promptly and that the correct documents are presented to an insurance company. He or she can give advice and suggestions about how to handle an insurance adjuster, how to handle the settlement process and what to do if an insurance company is not responsive or has a shady behavior.
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