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How to File an Auto Accident Claim
In states that have no fault, your insurance company will cover the cost of medical treatment and lost wages, regardless of who is responsible for the incident. They'll also need to look over documents and gather evidence (photos, witness testimony, medical records and expense reports).
The amount of compensation that you receive depends on the extent of your injuries and the cost of your injuries. This article will walk you through the steps involved in 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 many states, this will be performed by the local police, county sheriffs, state police, or Department of Motor Vehicles.
Take photos of the scene of the accident, if you can. This can help you remember the details of what happened, and can be useful in your insurance claim. For instance, pictures can show skid marks, vehicle damage, weather conditions and other important details.
It's also a good idea to collect the other driver's details, including their name and insurance company. If you are able, ask for their driver's license and car registration.
You should also write down the things you observed, and what transpired. Remember, memory isn't reliable and if you fail to note what happened it could leave you responsible for damages or injuries that aren't evident later on. In addition, if you don't report the accident, your insurance company may decline to cover any damages resulting from it. Review your policy or call your agent to find out the requirements for filing an accident report.
Seek medical attention
After a car crash you should seek medical attention and have your body examined to determine if you are any injuries. Making an appointment with a doctor as quickly as possible can help you avoid any future issues and can make your claim stronger when it's time to negotiate with the insurance company.
It is best to visit a hospital emergency room, if at all possible after a car accident. Hospitals have access to top-quality surgeons, doctors and medical supplies. Defense lawyers and insurance companies might find it difficult to limit the amount of injuries that can be treated in a hospital.
Injuries from car accidents can range from bruising to severe internal injuries, such as brain injuries that are traumatic and even paralysis. Even if there aren't any symptoms immediately, such as pain or stiffness, it is important to consult a physician. These records will be essential in proving you've sustained injuries in connection with the crash.
Our Denver car accident attorneys will use these records to present a convincing argument that the actions of the at-fault motorist caused your injuries, and that you deserve fair damages for your injuries.
Take Photos
Photograph the scene of the accident as quickly as you can, and ideally before police arrive. If possible, capture the damage to the vehicle from different angles. It is also crucial to take close-up pictures of the vehicles and any other evidence that could be crucial (such as broken glass or airbags that have been deployed) when you are able to do this. If you're unable capture close-ups, you can try placing objects, like coins, in the picture to see how it scales. You can also snap photos with or without flash to reveal more details.
Also, you should take photographs of any injuries you have sustained during the accident. The scrapes, scratches and bruises will fade with time, so your photos can serve as a valuable proof of your injuries later on. It is also a good idea for you to capture photos of other things that may be relevant to the accident (such as road signs, traffic signals weather conditions, road debris) since they can help paint a clearer picture of what transpired.
Contact Your Insurance Company
Whether or not you plan to file a car accident claim, it's important to contact your insurance company as quickly as possible. Your policy might require you to do this, and even in the event that it doesn't, your attorney will require documentation of your losses (like medical expenses and repair costs) to prove your claim.
Luna suggests that you collect all relevant information on the scene. This includes the information about your vehicle and any other drivers involved. Ask to see 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 and policy numbers). If there are auto accident law firm pearland , you should try to get their names and contact numbers, too.
It's important to stay calm even although the last thing you would like to do following an accident is dispute insurance companies. If you're emotional the statements you make can be utilized against you later in the process. This is why it's recommended to hire an attorney to manage negotiations. They can ensure that you don't say anything that could be used against you later on.
Contact an Attorney
An experienced lawyer can assist you with navigating the insurance company and get an appropriate settlement. They will examine your medical bills and records and frequently consult with a medical professional to provide their opinions on the extent of your injuries. If you don't provide them with complete and accurate documentation, they will not give you a fair value.
In addition to seeking compensation for your economic losses, such as medical bills and lost wages, you could 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 recklessness or negligence the court could award additional compensation, also known as punitive damages.
You'll need to notify the police if the driver who was at fault fled the scene. You must also get the crash report from the police station or online. You'll need this to submit a no-fault claim, or a liability lawsuit. New York has specific laws that regulate auto accidents. An experienced attorney can explain these rules.
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