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Tips For Filing a Car Accident Claim

In states where there is no no-fault insurance you could have to file a lawsuit against the driver at a small claims court. You should think about hiring an experienced accident lawyer prior to making this decision.

The insurer of the other party will investigate your claim and determine liability for auto accident law firm the collision. They will then award you compensation for your injuries and car damages as well as expenses such as pain and suffering. The process usually involves the following steps.

Gathering Information

If you're able to do this at the scene of the crash while it is safe, take pictures of all the vehicles involved in the Auto Accident Law Firms including the damage as well as any injuries incurred. These photographs can help show that the accident took place in the manner you described it. Photograph the site of the auto accident lawsuits, including any skidmarks or other debris.

It is also important to collect the names, addresses, and telephone numbers of eyewitnesses, when possible. They might later be able to testify as to what happened and who was responsible. In certain instances, eyewitness testimony is the most important evidence in a lawsuit.

Take down the insurance information of all parties involved in the wreck. You will need the insurance company name, policy number and contact information, along with the driver's name and license plate number. It is important to get this information as soon as possible can avoid any confusion or disputes later.

Documentation of medical treatment and expenses could be helpful to the claimant as well. Keep receipts for auto accident law firm prescription drugs and other expenses resulted from the accident. This can be used to support the damages you claim. Also, if you are unable to work due to your injuries, it's essential to keep an eye on your lost wages.

Filing the Claim

It's best to start a claim as quickly after the accident as possible should you be able to. This gives the insurance company an chance to review all of your documents and begin work. It also ensures that your claim meets the deadlines stipulated by New York law.

You'll have to provide information about the accident including any injuries that you sustained. This information will be used to calculate your damages which could include reimbursement for medical bills, lost wages property damage, as well as the suffering.

The insurance company may also have to determine the fault, in the event of a need. The final police report may serve as a reference point. However it is crucial to keep in mind that determining fault isn't always easy. Even if you believe the accident was your fault in certain cases, other factors may have contributed. For instance, New York is a state that is a comparative fault one meaning that your damages will be reduced based on the percentage of fault you have.

The insurance company will assign an adjuster for cases. It is recommended to bring your attorney with you when you meet with the adjuster. They'll give you an objective viewpoint and assist you negotiate an acceptable settlement. If you are unable to reach a settlement that is acceptable, you may have to take your case to court to receive the money you deserve.

Inspecting Damages

They'll be keen to visit the accident scene to see the scene. They will probably interview you as well as other people involved in the collision, talk to eyewitnesses and look at your vehicles. They will also examine your medical records, your expenses and lost wages to get a clear picture of how the auto accident law firms affected you.

While you wait for police to arrive at the scene, try to take pictures with your cell phone. This will allow you to record the skid marks and damage on both cars and the exact location of the vehicles.

If you are sure, you can exchange contact and insurance information with the other drivers involved in the crash. Note down the name, address, telephone number, insurance company's policy number, and driver's license information of each person. Note the make, year and license plate.

It may be tempting to point fingers at another driver in the midst of a crisis, but this can backfire. Keep your cool and don't admit to fault or guilt. It's also an excellent idea to collect the names and telephone numbers of witnesses who witnessed the accident, if it is possible.

Negotiating the Settlement

Negotiating the settlement of a car crash claim can be stressful and a bit frustrating, especially if you're dealing with the cost of medical bills and lost wages. Fortunately, the process can be speeded by hiring an experienced lawyer to negotiate with the insurance company on your behalf. An attorney will have a better knowledge of the law and the best way to calculate the total amount of your losses and damages and what to expect from an insurance company in settlement negotiations.

The first step is writing an official letter of demand that includes the amount you want to cover your expenses and injuries. Your lawyer can assist you in compiling this information, and include any documents that support your demand. If you submitted photos of your car or other injuries that were particularly severe to the insurance adjuster, your lawyer would include them in negotiations. Your attorney will also remind the adjuster about your damages for pain and suffering. These are based on emotional distress and mental pain you've experienced because of the accident.

Insurance companies will treat your claim more seriously if engage an attorney to negotiate for a settlement on behalf you. They will also offer a better settlement. Your lawyer can bring a lawsuit if the insurance company does not agree to a fair settlement.