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How to File an Auto Accident Claim

In states with no-fault insurance, your insurer will cover medical expenses and lost wages, regardless of who is responsible for the accident. They will also want to collect evidence and look over documents (photos witnesses' testimony, photos medical records, witness testimony, and expense reports).

The amount of compensation that you receive depends on the extent of your injuries and expenses. This article will guide you through the steps to file an auto accident claim.

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 county sheriff, state police or Department of Motor Vehicles.

If you can, take photos of the crash scene. This can help you recall what happened, and could be beneficial for your insurance claim. For instance, photos can show skid marks, vehicle damage as well as weather conditions and other important details.

It's an excellent idea to obtain the other driver's information including their name as well as the insurance company. If you are able, also request a copy of the driver's licence and auto accident claim vehicle registration.

You should also write down the things you observed, and the events that occurred. Remember that memory is not reliable and if you fail to write down what happened and what happened, you could be responsible for damages or injuries that are not evident later on. In addition, if you do not report the accident and your insurance company is not aware of it, they may not cover any damages resulting from it. Go through your policy, or contact your agent to determine if you need to file an auto accident compensation report.

Seek medical attention

One of the first things you need to do following a car collision is seek medical attention to be examined for injuries. Seeing a doctor as soon as you can will help avoid any future issues and can help you with your claim when it comes time to negotiate with the insurance company.

It is recommended to go to an emergency room at a hospital, if at all possible after a car wreck. Hospitals have access to top-notch surgeons, doctors and medical equipment. It can be challenging for insurance companies and defense attorneys to deny injuries sustained at a hospital.

Car accidents can cause injuries that range from minor bruising to severe internal injuries, such as the traumatic brain injury or paralysis. Even if there aren't any initial symptoms, such as discomfort or stiffness it is imperative to consult a physician. These records will be crucial in proving you've suffered injuries related to the crash.

Our Denver car auto accident legal lawyers will use these records to establish a convincing case that the actions of the at-fault driver caused your injuries and you are entitled to fair damages for your injuries.

Take Pictures

Take photos of the accident site as soon as you can, and ideally before police arrive. If you are able, capture all the damage to each vehicle from different angles. If you're able, snap close-up shots of the vehicles and other evidence (such broken glasses or deployed airbags). If you can't get close-ups of the vehicle then place an object like a penny in the photo to give it a sense of scale. You can also snap photos with or without flash to show hidden details.

It's also recommended to capture any injuries you suffered in the crash. The photos will serve as valuable evidence later on. Injuries and cuts will fade over time. It is also recommended to snap pictures of other details that are relevant to the incident (such as traffic signals, road signs weather conditions, road debris) because they can aid in the creation of a clearer picture of what happened.

Contact Your Insurance Company

Whether or not you plan to file a claim, it's essential to contact your insurance company as quickly as possible. You might be required to do so by your policy, but even if you're not an attorney, you will need records of your losses to back up your claim (such as repairs and medical bills).

Besides getting your own vehicle's information and identifying any other drivers involved in the collision In addition, you should gather any other relevant information that you can find at the scene, suggests Luna. 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 details about their car insurance (company or policy numbers). If there are witnesses, collect their names and contact numbers.

It's crucial to remain calm, even while the last thing you would want to do following an accident is dispute insurance companies. Any statements you make while emotions are high could be used to your disadvantage later. It's best to let an attorney manage the negotiations. They can ensure that you do not say anything that could be used against you later.

Contact an attorney

An experienced lawyer can assist you in negotiating with the insurance company to secure a fair settlement. They will look over your medical bills and other records and frequently consult with a physician to give their opinion regarding the extent of your injuries. Insurance companies are not able to give you fair value in the event that they are not supplied with full and accurate documents.

You may be entitled non-economic damages, for example pain and suffering, in addition to your economic losses. If the other driver was found to have acted with a degree of gross recklessness or negligence and the court awards additional compensation, which is known as punitive damages.

You will need to inform the police if the driver at responsible fled the scene. You must also get the crash report from the police station 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.