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How to File an Auto Accident Claim

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

The amount you receive depends on the severity of your injuries and expenses. This article will walk you through the steps to filing a claim for compensation from an auto accident.

Report the Accident

It’s essential to notify a car crash promptly. In many states, you’ll need to do this to the local police department, county sheriff, state police or Department of Motor Vehicles.

Take photos of the scene of the accident if can. You can use these photos to help you remember the incident as well as to help with your insurance claim. For instance, photos can show skid marks, vehicle damage or weather conditions, among other important details.

It’s an excellent idea to obtain the other driver’s information including their name as well as the insurance company. It is also advisable to request the driver’s license and vehicle registration, if possible.

It’s also important to write down your own report of the incident and what you saw and what transpired. Remember that memory isn’t always reliable If you don’t document what occurred it could leave you responsible for damages or injuries that aren’t obvious later. In addition, if do not report the incident your insurance company could refuse to cover any damages that result from it. Go through your policy, or contact your agent to find out if you need to file an accident report.

Seek medical attention

After a car crash you should seek medical attention and be examined to determine if there are any injuries. You can avoid any future problems by visiting an expert as soon as you can. It will also help your case when you negotiate with the insurer.


It is recommended to visit an emergency room in a hospital should you be able to after a car wreck. Hospitals have access to top-notch physicians, surgeons and medical equipment. It is often difficult for insurance companies and defense attorneys to downplay injuries treated at hospitals.

Car accidents can cause injuries ranging from minor bruising, to severe internal injuries, such as paralysis or brain injury after a traumatic accident. Even if there aren’t any symptoms at first in the form of pain or stiffness, it is important to consult a physician. These medical records will be critical evidence in proving your claim that you sustained injury-related injuries as a result of the crash.

Our Denver car accident lawyers will make use of these records to present a convincing argument that the actions of the driver at fault caused your injuries and that you should be awarded fair damages for your injuries.

Take Pictures

Photograph the scene of the accident as fast as possible, ideally before the police arrive. If possible, photograph all the damage to the vehicle from different angles. If you can, take photos of the vehicle in close-ups as well as other evidence (such broken glasses or airbags that have been deployed). If you’re unable to capture close-ups of the vehicle you can place something like a penny inside the photo to give it some scale. It’s also helpful to capture photos using and without flash as different lighting conditions could reveal the hidden details.

It is also a good idea to photograph any injuries you may have sustained during the crash. These photos will provide valuable evidence later on. Cuts and bruises will fade over time. Also, it’s an excellent idea to record all other relevant details of the accident as possible (such as street signs, traffic lights and weather conditions as well as road debris), as these can help paint a more detailed image of what transpired.

Contact Your Insurance Company

If you’re planning to file a claim, you should contact your insurance company as quickly as possible. Your policy might require you to make this call, and even if it does not, your attorney will require proof of your losses (like medical bills and repair expenses) to support your claims.

Luna suggests that you gather all relevant information about 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 ensure you have their name as well as their address, phone number, and car insurance details (company, policy number). If witnesses are present, take their names and numbers.

It is important to remain calm, even though the last thing you would want to do after a car accident is to fight with insurance companies. If auto accident law firm hawaii make could be used against you later on in the process. This is why it’s recommended to hire an attorney to take over negotiations. They can ensure that you don’t say anything that could be used against you in the future.

Contact an attorney

An experienced attorney can assist you in navigating the insurance company and obtain a fair settlement. They will review your medical bills and other records and will frequently consult with a physician to give their opinion as to the full extent of your injuries. If you don’t provide them with accurate and complete documentation, they will not offer you a fair price.

In addition to pursuing your economic losses, such as medical bills and lost wages, you could 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 the court may make punitive damage a possibility.

If the driver who was at fault fled the scene, you will have to report it to the police. You can also get an original copy of the crash report at the police station or online. You’ll need this to make a no-fault claim or a liability lawsuit. New York has specific laws that regulate automobile accidents. An experienced lawyer can explain these rules.