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How to File an Auto Accident Claim
In states with no fault, your insurance company will cover medical expenses and lost wages, regardless of who was responsible for the accident. They'll also be looking to gather evidence and review documents (photos witness testimony, photographs medical records, witness testimony, and expense reports).
The amount you receive is contingent on the severity of injuries and the amount of expenses. This article will walk you through the steps of filing a claim for compensation from an auto accident.
Report the Accident
It's essential to notify a crash with a car promptly. In many states, you'll need to report the incident to the local police department or county sheriff, state police, or Department of Motor Vehicles.
If you can, take photos of the scene. This will help you remember what happened, and could be beneficial for your insurance claim. For instance, pictures can show skid marks, vehicle damage, weather conditions and other important details.
auto accident attorney plano 's an excellent idea to collect the other driver's information such as their name and insurance company. If you can, also request to see their driver's license as well as their car registration.
It is important to note down what you saw and what happened. Remember that memory is not reliable, and if you don't note what happened it could leave you at fault for damages or injuries that are not evident later on. If you do not report the incident, your insurance company may refuse to pay for any damage resulting from it. Go through your policy, or contact your agent to determine if you need to file an accident report.
Get Medical Attention
After a car crash, you must seek medical care and be assessed to determine if there are any injuries. Seeking medical attention as soon as possible will allow you to avoid any further complications as well as strengthen your claim when it's time to negotiate with the insurance company.
It is best to visit an emergency room in a hospital whenever possible, after a car accident. This is because hospitals have access to the highest quality physicians, surgeons and medical equipment. Defense lawyers and insurance companies may find it difficult to limit the severity of injuries that are treated in the hospital.
Injuries in car accidents can range from bruising to severe internal injuries like brain injuries that are traumatic and even paralysis. Even if you don't experience any symptoms initially, such as stiffness or pain it is imperative to see a physician. The medical records will serve as the most important evidence you can use to support your claim that you suffered injuries related to injury as a result of the crash.
Our Denver car accident lawyers will use these records to build a solid case that the actions of the motorist at fault caused your injuries, and that you deserve fair damages for your injuries.
Take Pictures
Take pictures of the scene of the accident as soon as you can, ideally before the police arrive. If you are able, capture all the damages to each vehicle from various vantage points. It is also important to capture closeup photos of the vehicle and any other evidence of importance (such as broken glass or deployed airbags) in the event that you are able to do this. If you're unable get closeups, try placing something, such as a coin, in the picture to see how it scales. You can also snap pictures without or with a flash to reveal hidden details.
It is important to take photographs of any injuries you have suffered during the accident. The scrapes, scratches and bruises will fade with time, and the photos can be used as evidence of your injuries later on. It is also recommended to capture photos of other items which are relevant to the accident (such as road signs, traffic signals weather conditions, road debris) as they can aid in forming a more clear picture of what happened.
Contact Your Insurance Company
Contacting your insurance company is important regardless of whether or not intend to file a claim for an accident in your car. Your policy might require you to take this step, but even if it does not, your attorney may require records of your losses (like medical bills and repair expenses) to support your claims.
Luna suggests that you take all relevant information from the scene. This includes the information regarding 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 you have their name and the address, number, and details about their car insurance (company or policy numbers). If there are any witnesses, try to find their names and contact numbers, too.
It's crucial to remain calm even though the last thing you'd want to do after an accident is dispute insurance companies. If you're emotional your statements could be later used against you in the process. It's best to let an attorney handle the negotiations. They can make sure that you don't say anything that could be used against you in the future.
Contact an attorney
An experienced attorney can help you in negotiating with the insurance company to obtain an equitable settlement. They will review all medical records and bills, and talk to doctors to determine the extent and severity of your injuries. If you don't provide them with accurate and complete documents, they won't provide you with a fair amount.
You may be entitled to non-economic damages, for example suffering and pain in addition to the economic loss. If the other driver was found to have acted with a degree of gross inattention or recklessness, the court may award additional compensation, which is known as punitive damages.
If the driver at fault fled the scene, you'll have to report it to the police. You can also obtain a copy of a crash report from the police precinct or online. This will be required to make a claim in a lawsuit, or a no-fault claim. New York has very specific rules that govern auto accidents. These laws are best explained by an experienced attorney.
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