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How to File an Auto Accident Claim

In states with no-fault insurance, the insurer will cover medical expenses as well as lost wages regardless of who was at fault for the accident. They’ll also want to review documents and gather evidence (photos witnesses’ testimony, medical records and expense reports).

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

Report the Accident

It’s essential to notify a crash with a car promptly. In many states, this will be handled by local police or county sheriffs. In some states, it’s the state police or Department of Motor Vehicles.

If you can, take photos of the scene. This can help you remember the incident and also to support your insurance claim. For instance, photos can show skid marks, damage to vehicles, weather conditions and other important details.

You should also obtain the details of the other driver, such as their name, insurance provider and even their address. If possible, you should ask for their driver’s license and car registration.

It’s also crucial to record your personal account of the accident and what you saw and what happened. If you don’t document the incident, you could be held responsible for injuries or damage that later becomes apparent. If you do not report the incident the insurance company could not cover any damages resulting from it. You can determine whether your policy requires a report of an accident by checking your policy or calling your agent.

Get Medical Attention

One of the first things you need to do following a car crash is to seek medical attention so that you can be assessed for injuries. Making an appointment with a doctor as quickly as possible can help you avoid any future complications and can help you with your claim when it comes time to negotiate with the insurance company.

It is recommended to go to an emergency room in a hospital in the event that it is possible following a car crash. This is because hospitals have access to the highest quality physicians, surgeons and medical equipment. Insurance companies and defense lawyers might find it difficult to minimize injuries treated in a hospital.


auto accident law firm pembroke pines resulting from car accidents can vary from minor bruising to serious internal injuries, including brain injuries that are traumatic and even paralysis. Even if some symptoms, such as stiffness or pain, don’t manifest right away, it’s important to go see a doctor. Medical records are essential evidence to prove your claim that you sustained injury-related injuries as a result of the crash.

Our Denver car accident lawyers will utilize these medical records to build strong arguments to prove that the negligence of the driver who was at fault for the crash caused your injuries and you are entitled to fair compensation for your losses.

Take Pictures

Take photos of the site of the accident as fast as possible, ideally before police arrive. If you are able, take photos of the damage on each vehicle from various angles. It is also essential to take close-up photographs of the vehicle and any other evidence that is crucial (such as broken glass or airbags that have been deployed) if you can safely do so. If you are unable to get closeups of the vehicles then place something like an empty penny in the photo to give it a scale. You can also capture pictures without or with flash to reveal the hidden details.

It is also recommended to capture any injuries you sustained in the accident. The scrapes, scratches and bruises will fade with time, so the pictures will be a great proof of your injuries in the future. It’s also an excellent idea to snap pictures of other things that may be relevant to the accident (such as traffic signals, road signs weather conditions, road debris) because they will help you get a better understanding of what happened.

Contact Your Insurance Company

Whether or not you plan to file a car accident claim, it’s important to contact your insurance company as quickly as possible. You may be required to file a claim according to your policy, however even if you’re not the case, your lawyer will need evidence of your losses to back up your claim (such as medical bills and repair expenses).

Luna advises that you gather all relevant information about the scene. This includes details about your vehicle as well as any other drivers involved. Request to see the insurance card of the other driver and ensure you have their name and address, telephone number and details regarding their car insurance (company or policy numbers). If there are witnesses, get their names and contact numbers.

While the last thing you want to do after a car crash is to argue with insurance companies it is essential to remain calm. Any statements you make when you’re emotional can be used to your disadvantage in the future. 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 with navigating the insurance company and get a fair settlement. They will examine your medical records and bills and will often consult with a medical professional to offer their opinion regarding the extent of your injuries. Insurance companies are not able to give you fair value in the event that they are not provided with accurate and complete evidence.

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 other driver was found to have acted with a degree of gross recklessness or negligence the court can award additional compensation, referred to as punitive damages.

You will need to inform the police if the motorist at the fault fled the scene. You should also request an original crash report from the precinct or online. This is required to bring a lawsuit or a no-fault case. New York has specific laws that govern auto accidents. An experienced attorney will explain these rules.