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How to File an Auto Accident Claim
In states with no-fault insurance, your insurer will cover medical expenses as well as lost wages regardless of who was at fault for an accident. They'll also be looking over documents and gather evidence (photos, witness testimony medical records, and expense reports).
The amount of compensation you receive will depend on the severity of injuries and the amount of expenses. This article will guide you through the steps to filing an auto accident claim.
Report the Accident
If you're involved in a car accident it's crucial to report the accident away. In several states, you'll need to report the incident to the local police department, county sheriff, state police, or Department of Motor Vehicles.
If you can, snap photos of the crash scene. This will help you remember what happened, and can be useful in your insurance claim. Photos can be used to display details such as skid marks and vehicle damage weather conditions, skid marks, and other important information.
You should also get the details of the other driver, for instance their name, insurance provider and even their address. You should also request their driver's license and car registration, if they are available.
It is also important to record the things you observed, and what happened. If you fail to record what happened, you could be held accountable for injuries or damage that later becomes apparent. In addition, if you don't report the accident, your insurance company may refuse to cover any damages resulting from it. You can determine whether your policy requires a report of an accident by examining your policy or contacting your agent.
Get Medical Attention
After a car crash you must seek medical attention and be examined to determine if you are any injuries. Seeking medical attention as soon as possible will allow you to avoid any future issues, and it can also help you with your claim when it comes time to negotiate with the insurance company.
If you can, try to go to the emergency room of a hospital following an accident. Hospitals have access surgeons, doctors and medical equipment. It can be difficult for insurance companies and defense lawyers to downplay injuries treated at the hospital.
Car accidents can cause injuries ranging from minor bruising, to serious internal injuries like the traumatic brain injury or paralysis. Even if the symptoms, like stiffness and pain do not show up immediately, it's important to go see a doctor. These records will be vital in proving that you have suffered injuries as a result of the crash.
Our Denver car accident lawyers will utilize these medical records to build an argument that proves the driver at fault resulted in your injuries and you are entitled to fair compensation for your losses.
Take Pictures
Take pictures of the scene of the accident as fast as you can, ideally before the police arrive. If you are able capture photos of the damages on each vehicle from various angles. If you are able, take photographs of vehicles in close-ups and other evidence (such shattered glasses or deployed airbags). If you are unable to get closeups, try placing something, such as a coin, inside the photo to show scale. It is also helpful to take pictures with and without flash as different lighting conditions could reveal details that are not obvious.
It is also a good idea to photograph any injuries you sustained in the collision. The photos will serve as valuable evidence later on. Cuts and bruises will fade with time. It's also a good idea to capture photos of other details that may be relevant to the accident (such as road signs, traffic signals, weather conditions, and road debris) because they can help you get a better understanding of what happened.
Contact Your Insurance Company
If you are planning to file a car crash claim, you should contact your insurance company as soon as possible. You may be required to file a claim under your policy, but even if not, your attorney will require the details of your losses in order to support your claim (such as repair costs and medical bills).
Luna advises that you take all relevant information from the scene. This includes the details about your vehicle as well as any other drivers involved. Inquire about the insurance card of the driver who was involved in the accident and make sure that you have their name, address, telephone number and information about their car insurance (company or policy numbers). If witnesses are present, take their names and numbers.
The most important thing you don't want to do following a car crash is argue with insurance firms it is vital to remain calm. If you're feeling emotional the statements you make could be later used against you in the process. It is best to have an attorney handle the negotiations. auto accident attorneys lowell can ensure that you don't say anything that could be used against you in the future.
Contact an Attorney
An experienced attorney can assist you with navigating the insurance company to get a fair settlement. They will review all of your medical records and bills, and work with doctors to determine the full extent and the severity of your injuries. Insurance companies won't give you a fair amount in the event that they are not provided with accurate and complete documents.
In addition to pursuing your economic losses, such as medical bills and lost wages, you could also be entitled to non-economic damages for pain and suffering. If the court concludes that the other driver acted with gross negligence, recklessness or malice it could award punitive damages.
If the driver who was at fault fled the scene, you will be required to report the incident to the police. You should also request a copy of the crash report from the police station or online. This is required to make a no-fault claim or a liability lawsuit. New York has specific laws that regulate automobile accidents. A knowledgeable attorney can explain these rules.
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