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How to File an Auto Accident Claim

In states with no-fault insurance, your insurance will pay for medical costs and lost wages regardless of who's at fault for the accident. They'll also be looking over documents and gather evidence (photos witness testimony, medical records and expense reports).

The amount of compensation that you receive will depend on the severity of your injuries and expenses. This article will walk you through the steps to filing a claim for compensation from an auto accident claim accident.

Report the Accident

It's important that you report a crash immediately. In many states, you'll have to do this to the local police department or Auto Accident Claim county sheriff, state police or Department of Motor Vehicles.

If you can, snap photos of the scene of the crash. You can use this to help you remember the incident and to file a claim for insurance. For example, photos can show skid marks, damage to vehicles or weather conditions, among other important details.

It's also a good idea to get the other driver's details including their name and insurance company. If possible, you should ask for the driver's licence and vehicle registration.

You should also write down what you saw, as well as the events that occurred. If you don't write down the incident, you could be held liable for injuries or damage that later becomes apparent. In addition, if you do not report the incident and your insurance company is not aware of it, they may not cover any damages that result from it. Check your policy or contact your agent to determine whether you have to file an accident report.

Seek medical attention

One of the first things you need do after a car accident is seek medical attention to be examined for injuries. You can prevent future complications by visiting a doctor as quickly as you can. This can also help your case when you negotiate with the insurance company.

If you can, it's best to go to the emergency room in a hospital after a car crash. Hospitals have access top-quality surgeons, physicians and medical equipment. Defense lawyers and insurance companies might have a difficult time trying to limit the severity of injuries that are treated in the hospital.

Injuries in car accidents can vary from minor bruising to serious internal injuries, like the traumatic brain injury and paralysis. Even if the symptoms, like stiffness and pain don't appear immediately it is important to see a physician anyway. These records will be vital in proving you've suffered injuries related to the crash.

Our Denver car auto accident attorney lawyers will use these medical records in order to build a strong case showing that the driver at fault caused your injuries and you deserve fair compensation for your losses.

Take Photos

Take pictures of the scene of the auto accident litigation as fast as you can, and ideally before the police arrive. If you can, take photos of all the damaged vehicles from different vantage points. If you can, take photographs of vehicles in close-ups and other evidence (such broken glasses or airbags deployed). If you're unable to capture close-ups of your vehicle you can place something like an empty penny in the photo to give it a sense of scale. You can also snap pictures without or with flash to reveal the hidden details.

It's also a good idea to photograph any injuries you sustained in the crash. The photographs will be useful evidence later on. Injuries and cuts will fade with time. It is also a good idea to capture photos of other things that may be relevant to the incident (such as traffic signals, road signs weather conditions, road debris) since they can aid in forming a more clear picture of what happened.

Contact Your Insurance Company

Contacting your insurance company is vital, whether or not you intend to file a claim for a car accident. Your policy could require you to make this call, and even if it isn't, your attorney will require records of your losses (like medical charges and repair costs) to support your claims.

Luna says that you should collect all relevant information regarding the scene. This includes the information about your vehicle and any other drivers involved. Request to see the insurance card of the driver who was involved in the accident and ensure you have their name and address, phone number and information about their car insurance (company or policy numbers). If there are witnesses, get their names and phone numbers.

It's crucial to remain calm, even though the last thing you would want to do after an accident in the car is to dispute insurance companies. Any statements you make when you're emotional can be used against you later. This is why it's often better to have an attorney handle negotiations. They can make sure that you don't say anything that could later be used against you.

Contact an attorney

An experienced attorney can assist you with navigating the insurance company and negotiate an appropriate settlement. They will examine the medical bills and records, and often consult with a medical professional to give their opinion as to the full extent of your injuries. Insurance companies won't give the appropriate amount if they have not been supplied with full and accurate documents.

You could be entitled to non-economic damages, for auto accident claim example pain and suffering, in addition to the economic losses. If the court concludes that the other driver was negligent, reckless or acted with a high degree of or recklessness the court may make punitive damage a possibility.

You'll need to notify the police if the driver at responsible fled the scene. You can also get an exact copy of a crash report at the precinct, or online. You'll need this to file a no-fault claim or a liability lawsuit. New York has very specific laws governing automobile accidents. These rules are best explained by a knowledgeable attorney.