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How to File an Auto Accident Claim

In no-fault states your insurance company will pay for medical care and lost wages regardless of who is responsible for the incident. They'll also be looking over documents and gather evidence (photos witnesses' testimony, medical records and expense reports).

The amount of compensation you receive is contingent on the severity of injuries and expenses. This article will walk you through the steps involved in filing an auto accident claim.

Report the Accident

It's crucial to notify a crash with a car promptly. In many states, this is carried out by local police county sheriffs, state police or Department of Motor Vehicles.

If possible, take pictures of the crash scene. This can help you recall what happened and could be useful for your insurance claim. For example, photos can show skid marks, damage to vehicles, weather conditions and other important details.

It's an excellent idea to collect the other driver's details, including their name and insurance company. It is also advisable to request their driver's license as well as their car registration, if it is possible.

It is important to note down what you saw and what transpired. If you don't write down the details of what transpired, you could be held accountable for injuries or damages that later become apparent. If you don't inform your insurance company, they could not pay for any damages that result from the incident. You can find out whether your policy requires a report of an accident by looking up your policy, or contact your agent.

Seek medical attention

Following a car accident, you should seek medical attention and have your body examined to determine if there are any injuries. You can stay clear of future complications by visiting the doctor as soon as you can. It can also strengthen your case when you negotiate with the insurance company.

It is best to visit a hospital emergency room, whenever possible after a car wreck. Hospitals have access to top-quality physicians, surgeons and medical equipment. It is often difficult for insurance companies and defense attorneys to downplay injuries sustained at the hospital.

Car accidents can cause injuries that range from minor bruising, to severe internal injuries, such as traumatic brain injury or paralysis. Even if there aren't any symptoms initially such as pain or stiffness it is crucial to see a doctor. These records are crucial in proving you've suffered injuries resulting from the crash.

Our Denver car accident lawyers will utilize these medical records in order to build solid evidence that the actions of the driver responsible for the accident resulted in your injuries and you are entitled to fair compensation for your losses.

Take Photos

Take pictures of the accident scene as soon as possible, ideally before the police arrive. If you are able, capture all the damaged vehicles from different angles. It is also important to take close-up pictures of the vehicle and any other evidence that is crucial (such as broken glass or deployed airbags) when you are able to do so. If you're not able to get closeups, try placing something, such as a coin, in the picture to see how it scales. You can also take photos with or without flash to reveal the hidden details.

It is also important to take photos of any injuries you sustained during the accident. The scrapes, scratches and bruises will fade over time, so the pictures will be a great proof of your injuries in the future. In addition, it's an excellent idea to record as many other pertinent details of the incident as you can (such as traffic lights, street signs and weather conditions, as well road debris), as these can aid in creating a more detailed picture of what happened.

Contact Your Insurance Company

Contacting your insurance company is essential regardless of whether or not you intend to file a claim for an auto accident lawyers accident. You may be required to do so by your policy, but even if you are not the case, your lawyer will need evidence of your losses to back up your claim (such as repair costs and medical bills).

Luna suggests that you collect all relevant information regarding 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 address, phone number and information about their car insurance (company, policy numbers). If there are any witnesses, try to find their names and contact details too.

It's important to stay calm, even while the last thing you would like to do following an accident is to argue with insurance companies. Any statements you make when you're emotional can be used to your disadvantage later on. This is why it's recommended to hire an attorney to manage negotiations. They can make sure that you do not say anything that could be used against you later.

Contact an attorney

An experienced lawyer can assist you with navigating the insurance company and get a fair settlement. They will review the medical bills and records and frequently consult with a medical professional to give their opinion on 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.

In addition to pursuing your economic losses, such as medical bills and lost wages, you may also be entitled to non-economic damages for suffering and pain. If the court finds that the other driver acted with gross negligence, recklessness or malice it could decide to award punitive damages.

You'll need to notify the police if the person at blame fled the scene. You can also request an original copy of the crash report at the precinct or on the internet. You'll need it to file a no fault claim or a liability lawsuit. New York has very specific rules that govern auto accidents and these rules are best explained by an experienced attorney.