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How to File an Auto Accident Claim

In states with no-fault insurance, your insurer will cover medical expenses as well as lost wages, regardless of who is responsible for the accident. They'll also be looking over documents and gather evidence (photos witnesses' testimony medical records, and expense reports).

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

Report the Accident

It's crucial to report a car crash as soon as you can. In many states, you'll need submit the report to the local police department, county sheriff, state police or Department of Motor Vehicles.

Take pictures of the scene of the accident, if you can. This will help you remember what happened and could be beneficial for your insurance claim. For instance, photos could show skid marks, damage to vehicles, weather conditions and other important details.

You should also collect the details of the other driver, including their name and the insurance company they use. If you can, also request a copy of their driver's license as well as their car registration.

It is also important to record what you saw, as well as what transpired. Remember, memory is unreliable If you don't note what happened it could leave you at fault for damages or injuries that aren't apparent later on. If you don't notify your insurance company, they may not pay for any damages that result from the accident. Go through your policy, or contact your agent to determine if you need to file an accident report.

Seek medical attention

Following a car accident, you should seek medical treatment and be examined to determine if there are any injuries. A visit to a doctor as soon as you can will help avoid any further complications and also increase your claim when it comes time to negotiate with the insurance company.

It is best to visit an emergency room at a hospital, if at all possible after a car accident. This is because hospitals have access to most highly skilled surgeons, doctors and medical equipment. It is often difficult for insurance companies and defense lawyers to deny injuries sustained in hospitals.

Car accidents can cause injuries ranging from minor bruising, up to serious internal injuries like paralysis or brain injury after a traumatic accident. Even if you don't experience any symptoms at first like stiffness or pain it is imperative to consult a physician. These records are crucial in proving that you have suffered injuries as a result of the crash.

Our Denver car accident attorneys will use these documents to build a solid case that the actions of the at-fault driver caused your injuries and you are entitled to fair compensation for your injuries.

Take Photos

Take photos of the scene of the accident as soon as you can, ideally prior to police arrive. If you are able, capture all the damage to each vehicle from different angles. If you're able, snap close-up photos of vehicles and other evidence (such shattered glasses or airbags in use). If you can't get close-ups of the vehicles put something like a penny in the photo to give it scale. It's also helpful to capture photos using and without flash because different lighting conditions can reveal details that are not obvious.

It's also an excellent idea to document any injuries you suffered in the collision. The pictures will be valuable evidence later on. Injuries and cuts will fade over time. It's also recommended to take photos of other items that relate to the incident (such as traffic signals, road signs weather conditions, road debris) because they will aid in the creation of a clearer picture of what transpired.

Contact Your Insurance Company

Contacting your insurance company is important regardless of whether or not you are planning to file a claim after an auto accident attorneys accident. You might be required to file a claim by your policy, but even if not an attorney, you will need the details of your losses in order to support your claim (such as repairs and medical bills).

Luna suggests that you take all relevant information from the scene. This includes the details about your vehicle as well as any other drivers involved. You should ask for the other driver's insurance card and make sure you have their name address, telephone number, address and insurance details for the car (company, policy number). If witnesses are present, obtain their names and numbers.

It's essential to remain calm even though the last thing you'd like to do after an accident in the car is to argue with insurance companies. If you're feeling emotional and make statements, they could be later used against you in the process. It is recommended to let an attorney handle the negotiations. They will be able to ensure that you don't say something that could later be used against you.

Contact an Attorney

An experienced attorney can assist you in negotiating with the insurance company to negotiate an equitable settlement. They will go through all of your medical records and bills and talk to doctors to determine the extent and extent of your injuries. If you do not provide them with complete and accurate documentation, they will not give you a fair value.

You may be entitled to non-economic damages like suffering and pain in addition to your economic losses. If the other driver was found to have acted with gross negligence or recklessness, the court may award additional compensation, also known as punitive damages.

You'll need to notify the police if the driver who was at blame fled the scene. You must also get a copy of the crash report from the precinct or online. This will be required to make a claim in a lawsuit, or a no-fault claim. New York has very specific laws that govern auto accidents and these rules are best explained by an experienced attorney.