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How to File an Auto Accident Claim
In no-fault states your insurance company will pay for medical care and lost wages, regardless of who was at fault for the accident. They'll also require you to review documents and gather evidence (photos witnesses' testimony medical records and expense reports).
The amount of compensation you receive depends on the severity of your injuries and expenses. This article will help you understand the steps to file an auto accident claim.
Report the Accident
It's crucial to notify a car crash as soon as possible. In many states, this is carried out by local police or county sheriffs. In some states, it's the state police or Department of Motor Vehicles.
Take pictures of the accident scene if you can. You can use these photos to aid in remembering the accident and for your insurance claim. For example, photos can show skid marks, damage to vehicles or weather conditions, among other important details.
It is also important to obtain the details of the other driver, including their name, insurance provider and even their address. You should also ask for the driver's license and vehicle registration, if possible.
It's also important to record your personal report of the incident in detail, including what you witnessed and what happened. If you don't write down what happened, you may be held accountable for injuries or damage that later becomes apparent. If you don't notify your insurance company, they could not pay for any damage that results from the incident. Go through your policy, or contact your agent to inquire if you need to file an accident report.
Seek medical attention
One of the first things you need do following a car crash is to seek medical attention and be examined for injuries. You can avoid any future problems by seeing the doctor as soon as possible. It could also help your case when you negotiate with the insurance company.
It's best to visit a hospital emergency room, should you be able to, after a car accident. Hospitals have access top-quality physicians, surgeons and medical equipment. It can be challenging for insurance companies and defense attorneys to downplay injuries sustained at a hospital.
Car accidents can cause injuries that range from minor bruising, up to severe internal injuries, such as paralysis or traumatic brain injury. Even if symptoms, such as pain and stiffness, don't appear immediately it's crucial to see a physician anyway. Medical records are the most important evidence you can use to support your claim that you suffered injury-related injuries as a result of the crash.
Our Denver car accident attorneys will make use of these records to establish a convincing case that the actions of the at-fault motorist caused your injuries and that you should be awarded fair compensation for your injuries.
Take Pictures
Photograph the accident scene as soon as you can, ideally before the police arrive. If you are able, capture all the damage to each vehicle from different angles. It is also essential to take close-up pictures of the vehicles as well as any other evidence that is crucial (such as shattered glass or deployed airbags) in the event that you are able to do so. If you can't get closeups of the vehicles put an object such as a penny in the photo to give it scale. It's also helpful to capture photos using and without a flash, as different lighting conditions could reveal hidden details.
You should also take pictures of any injuries that you suffered from the accident. Scrapes, bruises and cuts will fade with time, and the photos will be a great proof of your injuries later on. It is also an excellent idea to capture photos of other items that relate to the accident (such as traffic signals, road signs, weather conditions, and road debris) since they can aid in the creation of a clearer picture of what transpired.
Contact Your Insurance Company
Contacting your insurance company is important regardless of whether or not intend to file a claim for a car accident. You might be required to do so under your policy, but even if you're not an attorney, you will need evidence of your losses to support your claim (such as repair and medical bills).
Luna suggests that you take all relevant information from the scene. This includes the details of your vehicle and any other drivers involved. Ask to see the insurance card of the driver who was involved in the accident and ensure that you have their name, address, phone number and details regarding their car insurance (company and policy numbers). If there are any witnesses, try to obtain their names and contact numbers as well.
It's crucial to remain calm even when the last thing you'd like to do after an accident is to argue with insurance companies. If you're emotionally charged, any statements you make can be later used against you in the process. auto accident attorneys lancaster is the reason it's best to have an attorney take over negotiations. They can make sure that you do not say anything that could be used against you later on.
Contact an attorney
An experienced attorney can help you in negotiating with the insurance company to negotiate an equitable settlement. They will examine your medical records and bills and will frequently consult with a physician to provide their opinion regarding the extent of your injuries. Insurance companies won't offer the appropriate amount when they haven't been given complete and accurate evidence.
In addition to seeking compensation for your economic losses, such as medical bills and lost wages, you may also be entitled to non-economic damages for suffering and pain. If the other driver was found to have acted with a degree of gross inattention or recklessness and the court awards additional compensation, also known as punitive damages.
If the driver who was at fault escaped the scene, you will have to report it to the police. You can also request the copy of the crash report at the precinct or on the internet. You'll need it to file a no-fault claim or a liability lawsuit. New York has specific laws that govern auto accidents. An experienced attorney can explain these rules.
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