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How to File an Auto Accident Claim

In states with no fault your insurance company will pay for the cost of medical treatment and lost wages regardless of who was responsible for the incident. They’ll also need to look over documents and gather evidence (photos witnesses’ testimony medical records and expense reports).

The amount of compensation you receive is contingent on the extent of your injuries and expenses. This article will guide you through the steps to filing a claim against an auto accident.

Report the Accident

It is crucial to report a car crash promptly. In many states, this is handled by local police or county sheriffs. In some states, it’s the state police or Department of Motor Vehicles.

Take photos of the scene of the accident, if you are able to. This can help you recall what happened and could be beneficial for your insurance claim. Photos can be used to illustrate details such as skid marks, car damage as well as weather conditions and other important details.

You should also get the details of the other driver, like their name and insurance provider. You should also ask for their driver’s license as well as their car registration, if it is possible.

It’s also crucial to record your own account of the accident as well as what you saw and what happened. Remember, auto accident attorneys boulder isn’t reliable and if you fail to record what happened and what happened, you could be at fault for any damages or injuries that are not apparent later on. If you don’t notify your insurance company, they may not pay for any injuries that result from the incident. You can find out whether your policy requires an accident report by looking up your policy, or contact your agent.

Get Medical Attention

After a car crash, you must seek medical care and be examined to determine whether there are any injuries. Seeking medical attention as soon as possible will allow you to avoid any further complications, and it can also strengthen your claim when it’s time to negotiate with the insurance company.

It’s best to visit an emergency room at a hospital, if at all possible after a car accident. This is because hospitals have access to top surgeons, doctors, and medical supplies. Insurance companies and defense lawyers may find it difficult to limit the severity of injuries that are treated in the hospital.

Injuries sustained in car accidents could range from bruising to severe internal injuries, like paralysis and brain trauma. Even if you don’t experience any symptoms initially in the form of discomfort or stiffness, it is important to consult a doctor. These records will be essential in proving you’ve suffered injuries related to the crash.

Our Denver car accident attorneys will make use of these records to establish a convincing case that the actions of the driver at fault caused your injuries, and that you deserve fair compensation for your injuries.

Take Pictures

Take pictures of the scene of the accident as fast as possible, ideally before the police arrive. If you are able capture photos of the damage to each vehicle from different angles. If you are able to, take close-up shots of the vehicles and other evidence (such broken glasses or airbags in use). If you’re unable to capture close-ups of your vehicle, place something like a penny in the photo to give it a sense of scale. You can also capture photographs with or without a flash to reveal hidden details.

It’s also an excellent idea to document the injuries you sustained during the accident. Bruises, cuts and scrapes will fade with time, so these photos can serve as a valuable proof of your injuries later. It’s also a good idea for you to snap pictures of other details that are relevant to the incident (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

No matter if you’re planning to file a car accident claim, you should contact your insurance company as soon as you can. Your policy could require you to make this call, and even if it does not, your attorney may need records of your losses (like medical bills and repair expenses) to support your claims.

Apart from obtaining your car’s information and identifying any other drivers involved in the crash, you should also collect any other pertinent information at the scene, suggests Luna. Request to see the insurance card of the other driver and ensure you have their name as well as their address, phone number, and car insurance details (company and policy number). If there are any witnesses, try to get their names and contact numbers, too.


The most important thing you don’t want to do after a car crash is to argue with insurance companies it is essential to remain calm. The statements you make when you are emotional can be used to your disadvantage later. It is recommended to let an attorney manage the 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 in negotiating with the insurance company in order to get an equitable settlement. They will look over all of your medical records and bills and work with doctors to determine the totality and the severity of your injuries. If you fail to provide them with complete and accurate documents, they won’t give you a fair value.

In addition to pursuing economic losses, which include medical bills and lost wages, you could be entitled to non-economic damages for suffering and pain. If a court decides that the other driver was negligent, reckless or acted with a high degree of or recklessness it could make punitive damage a possibility.

If the driver who was at fault escaped the scene, you’ll have to report it to the police. You can also get an original copy of the crash report at the precinct or on the internet. This is required to start a lawsuit or file a no-fault case. New York has very specific rules that govern auto accidents. These rules are best explained by a knowledgeable attorney.