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How to File an Auto Accident Claim

In states with no fault your insurance company will pay for medical costs and lost wages, regardless of who is at fault for the incident. They’ll also need to look over documents and gather evidence (photos witness testimony medical records, and expense reports).

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

Report the Accident

If you’re involved in a car accident it is crucial to report the crash immediately. In many states, you’ll need to do this to the local police department or county sheriff, state police or Department of Motor Vehicles.

Take pictures of the scene of the accident, if you are able to. This can help you remember the details of what happened, and can be helpful for your insurance claim. auto accident lawsuit missouri city can be used to illustrate details such as skid marks, damage to your vehicle, weather conditions, and other vital details.

You should also collect the details of the other driver, for instance their name and insurance company. You should also request their driver’s licence and car registration, if you can.

It is important to note down what you saw, as well as the events that occurred. Remember, memory isn’t reliable and if you don’t note what happened, you could be at fault for damages or injuries that are not obvious later. If you do not report the accident, your insurance company may refuse to cover any damages resulting from it. You can determine whether your policy requires an accident report by looking up your policy, or by contacting your agent.

Seek medical attention

After a crash, you must seek medical attention and be assessed to determine if there are any injuries. You can prevent future complications by visiting your doctor as soon as possible. It will also help your case when you negotiate with the insurer.

It is recommended to visit an emergency room at a hospital, should you be able to following a car crash. Hospitals have access top-quality surgeons, doctors and medical supplies. Insurance companies and defense lawyers might find it difficult to limit the amount of injuries that can be treated in hospitals.

Car accidents can result in injuries ranging from minor bruising to severe internal injuries like paralysis or traumatic brain injury. Even if you do not feel any symptoms immediately like stiffness or pain, it is important to see a doctor. The medical records will serve as essential evidence to prove your claim that you sustained injuries related to your injury as a result of the crash.

Our Denver car accident attorneys will use these documents to establish a convincing case that the actions of the at-fault motorist caused your injuries and that you should be awarded fair compensation for your injuries.

Take Photos

Photograph the site of the accident as fast as possible, but ideally before police arrive. If possible, photograph all the damages to each vehicle from different vantage points. It is also crucial to take close-up photographs of the vehicle and any other evidence that could be crucial (such as shattered glass or airbags deployed) in the event that you are able to do this. If you aren’t able to take close-ups of the vehicles you can place an object like an empty penny in the photo to give it a sense of scale. You can also capture 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. Scrapes, bruises and cuts will fade over time, and the photos will be a great proof of your injuries later. It’s also a good idea to take photos of other aspects that are relevant to the accident (such as road signs, traffic signals weather conditions, road debris) because they will aid in forming a more clear picture of what happened.

Contact Your Insurance Company


Contacting your insurance provider is crucial, whether or not you are planning to file a claim in the event of an accident in your car. You may be required to do so under your policy, but even if you are not an attorney, you will need documents detailing your losses to support your claim (such as repair costs and medical bills).

Besides getting your own vehicle’s information and identifying the other drivers involved in the crash Also, you should collect any other relevant information you can at the scene, suggests Luna. Make sure you get the other driver’s insurance card and ensure that you have their name address, telephone number, address, and car insurance details (company and policy number). If there are witnesses, try to get their names and contact numbers, too.

It is important to remain calm even while the last thing you would want to do after an accident is to fight with insurance companies. The statements you make when emotions are high could be used to your disadvantage later. This is why it’s best to have an attorney manage negotiations. They can ensure that you don’t say anything that could be used against you later.

Contact an Attorney

An experienced attorney can assist you in dealing with the insurance company and negotiate a fair settlement. They will look over all of your medical records and bills and consult with doctors to determine the totality and severity of your injuries. Insurance companies won’t give you a fair amount if they aren’t supplied with full and accurate documentation.

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

You’ll need to notify the police if the person at responsible fled the scene. You can also request a copy of a crash report at the precinct, or online. This will be required to bring a lawsuit or a no-fault case. New York has very specific rules that govern auto accidents and these rules are best explained by a knowledgeable attorney.