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How to File a Motor Vehicle Claim

If your vehicle is damaged during an accident, you'll need to submit an insurance claim. It is important to know how this procedure works.

An adjuster will be dispatched by the insurance company to assess your vehicle damage. It's not always required to be present during the inspection, but you should bring your insurance policy along with any other relevant documentation.

Take Pictures

Ever watch a crime show in which the detectives look over every square inch of the scene, taking photos of the tiniest detail--from footprints to discarded chocolate wrappers? Use the same level of focus when looking at your accident scene. It is essential to keep as much as possible of the incident at the time it occurs, so you can demonstrate your case later.

Photographs of the damage to both vehicles is essential and you should consider taking close-ups of the damaged areas. These can help insurance companies and expert witnesses determine the size of particular objects, such as skid marks. In your photos, you should include some reference points, like the locations of stop signs and traffic lights. These can be used to determine the actions of the driver who was at fault for the accident.

If you can capture photos of the other driver and their passengers, and witnesses. You may be in a position to capture a photograph of their license plate. Additionally, take photos of emergency responders and their vehicles. Lastly, if anyone is put on a gurney and then into an ambulance, snap a picture of that as well.

If your attorney or court has ordered you to, only upload the photos. If you do not, you could be giving evidence against your own claim. For instance, if it is changed the date stamp on your photos following the accident, it can cause the insurance company to question the validity of your claim.

Seek Medical Attention

The first thing you must do following an accident is to seek medical attention. This is not just for your health but as a way to ensure that any injuries are recorded. In many personal injury lawsuits you will be seeking compensation for medical bills and other damages. Medical records are vital for your claim.


Even if you're not noticing any obvious signs, you should take a visit to your primary care doctor or an emergency room. Your doctor can offer you an assessment of your injuries and perform an extensive medical examination. Furthermore they will be able to provide you with the appropriate treatment.

Following the treatment plan of your doctor will allow you recover quicker and improve the condition. This includes taking your prescriptions and any prescription or over-the-counter medications taking part in a physical therapy program, following the instructions regarding time off work, and completing any subsequent appointments.

In this process, it is important not to say anything that could be incorrectly interpreted by an adjuster from the insurance company. The insurance company may attempt to discredit the harm you have suffered in order to deny or reduce your compensation. This is the reason why it is recommended to not talk with any adjusters from insurance companies unless you have your attorney present.

Contact an attorney

Legal representation is crucial for injured parties. Attorneys can help injured parties deal with their stress and know where to concentrate their efforts. Attorneys can also weigh the evidence and facts to determine if a case is worth fighting in court.

Insurance companies are businesses first and foremost. Their aim is to collect the most money from their insureds while paying out the least amount of money (in theory). If motor vehicle accident lawyer denton at the scene of an accident, it can be tempting to accept the low-ball offer at first because it's the most convenient decision to make. This could lead to disastrous consequences in the future.

When you submit a claim to your insurance company an adjuster will be sent at your home to assess the damage caused to your vehicle. They will also go over receipts for medical bills and personal property damage. They may also speak with witnesses and read police reports. Before meeting with an adjuster, it is recommended to get repair estimates from local auto repair shops or contractors. This will allow them to know what to expect with regards to repairs.

An experienced motor vehicle attorney can assure that all required information is included and that the correct documents are presented to the insurance company. He or she can offer advice and recommendations on how to deal with an adjuster for claims, how to you should handle a settlement, and what to do in the event that an insurance company is not responsive and is acting in a shady manner.

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