How to File an Auto Accident Claim

In states that have no-fault insurance, the insurer will cover medical expenses and lost wages regardless of who's at fault for an accident. They'll also want to gather evidence and read documents (photos witness testimony, photographs medical records, witness testimony, and expense reports).

The amount you receive is contingent on the severity of your injuries and expenses. This article will guide you through the steps for filing a claim for compensation from an auto accident attorney accident.

Report the Accident

If you're involved in a car accident, it's important to report the crash away. In many states, this will be done by the local police or county sheriffs, state police, or Department of Motor Vehicles.

If you can, snap photos of the crash scene. This can help you remember the accident and for your insurance claim. Photos can be used to illustrate details like skid marks, damage to your vehicle as well as weather conditions and other crucial details.

It's also a good idea to get the other driver's details including their name and insurance company. You should also request their driver's license and car registration, if they are available.

It is also essential to record your personal report of the incident as well as what you saw and what transpired. Remember that memory isn't always reliable and if you don't note what happened it could leave you at fault for damages or injuries that aren't obvious later. If you do not report the incident, your insurance company may refuse to cover any damages resulting from it. Check your policy or contact your agent to determine whether you are required to file an accident report.

Seek medical attention

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

If you can, it is best to go to the emergency room of a hospital following a car crash. Hospitals have access top-quality surgeons, doctors, and medical equipment. It can be difficult for insurance companies and defense attorneys to minimize the severity of injuries that are treated at the hospital.

Injuries from car accidents can range from bruising to severe internal injuries, including brain injuries that are traumatic and even paralysis. Even if there aren't any symptoms initially such as discomfort or stiffness it is imperative to see a doctor. These records are crucial in proving that you've suffered injuries as a result of the crash.

Our Denver car accident attorneys will use these documents to present a convincing argument that the actions of the at-fault motorist caused your injuries and that you are entitled to fair compensation for your injuries.

Take Pictures

Take photos of the site of the accident as fast as you can, ideally prior to police arrive. If possible, photograph all the damaged vehicles from different vantage points. It is also essential to capture closeup photos of the vehicles and any other evidence that could be crucial (such as broken glass or deployed airbags) as long as you are able do this. If you're unable to capture close-ups, you can try placing objects, like coins, in the image to gauge. You can also snap photos with or without flash to reveal more details.

It is also important to take photos of any injuries you suffered in the accident. The pictures will be valuable evidence later on. The bruising and cuts will fade with time. It is also recommended to take pictures of as many other pertinent details of the accident as possible (such as traffic lights, street signs and weather conditions, as well road debris), as these can help paint a more detailed image of what transpired.

Contact Your Insurance Company

Contacting your insurance provider is crucial, whether or not you plan to file a claim after a car accident. You might be required to file a claim under your policy, but even if you are not, your attorney will require records of your losses to back up your claim (such as repair costs and medical bills).

In addition to obtaining your vehicle's information and identifying any other drivers involved in the incident, you should also collect any other relevant information you can at the scene, says Luna. You should ask to see the insurance card of the driver who was involved in the accident and make sure you have their name and address, contact number, as well as information about their vehicle insurance (company or policy numbers). If witnesses are present, take their names and numbers.

While the most unintentional thing you'll ever do after a car crash is fight with insurance companies, it's very important to remain calm. Anything you say when emotions are high could be used to your disadvantage later on. It is recommended to let an attorney handle the negotiations. They can 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 obtain a fair settlement. They will go over your medical bills and other records, and often consult with a physician to give their opinion on the extent of your injuries. If you don't provide them with accurate and complete documents, auto accidents they won't offer you a fair price.

In addition to pursuing economic losses, including medical bills and lost wages, you could also be entitled to non-economic damages for suffering and pain. If the other driver was found to have acted with gross inattention or recklessness and the court awards additional compensation, referred to as punitive damages.

You'll need to notify the police if the motorist at blame fled the scene. You can also obtain an exact copy of a crash report at the precinct or on the internet. You will need this to submit a no-fault claim, or a liability lawsuit. New York has very specific laws governing auto accidents. These laws are best explained by an experienced attorney.