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How to File an Auto Accident Claim

In states where there is no fault, your insurance company will cover medical care and lost wages regardless of who is at fault for the accident. They’ll also be looking over documents and gather evidence (photos witness testimony medical records and expense reports).

The amount of compensation that you receive depends on the extent of your injuries and the cost of your injuries. This article will walk you through the steps involved in filing an auto accident claim.

Report the Accident

If you’re involved in a car crash It’s essential to report the crash right immediately. In many states, this will be performed by the local police or county sheriffs, state police or Department of Motor Vehicles.


If you can, snap photos of the scene. This can help you recall what happened, and it could be beneficial for your insurance claim. For instance, photos could show skid marks, vehicle damage, weather conditions and other important details.

You should also get the details of the other driver, such as their name and insurance provider. If you are able, also request to see the driver’s licence and vehicle registration.

You should also record what you saw and the events that occurred. If you don’t write down the incident, you could be held liable for injuries or damages that are later discovered. If you do not report the accident and your insurance company is not aware of it, they may refuse to pay for any damage caused by it. Check your policy or contact your agent to inquire whether you are required to file an accident report.

Get Medical Attention

After a car crash, you should seek medical attention and be examined to determine whether there are any injuries. Seeking medical attention as soon as you can will help avoid any future complications as well as strengthen your claim when it comes time to negotiate with the insurance company.

It is recommended to go to an emergency room in a hospital should you be able to after a car accident. Hospitals have access top-quality physicians, surgeons and medical supplies. Insurance companies and defense lawyers might have a difficult time trying to minimize injuries treated in a hospital.

Injuries sustained in car accidents could range from bruising to severe internal injuries, including paralysis and brain trauma. Even if you don’t experience any symptoms immediately like discomfort or stiffness it is crucial to see a physician. The medical records will serve as critical evidence in proving your claim that you suffered injuries resulting from injury as a consequence of the crash.

Our Denver car accident lawyers will utilize the medical records to create solid evidence that the driver at fault caused your injuries and that you are entitled to fair compensation for your damages.

Take Pictures

Photograph the accident site as soon as you can, ideally prior to police arrive. If you are able to capture photos of the damaged vehicle from different angles. It is also important to take close-up photographs of the vehicles as well as any other critical evidence (such as shattered glass or airbags deployed) in the event that you are able to do so. If you can’t get close-ups of the vehicle, place an object such as an old penny in the picture to give it a sense of scale. You can also snap photographs without or with a flash to reveal hidden details.

You should also take pictures of any injuries you have suffered from the accident. The photographs will be useful evidence later on. Injuries and cuts will fade over time. Also, auto accident attorneys fontana ‘s recommended to take pictures of as many other relevant details about the accident as possible (such as traffic signals, street signs or weather conditions, as well as road debris) in order to aid in constructing a more precise picture of what transpired.

Contact Your Insurance Company

If you’re planning to file a car accident claim, you should contact your insurance company as soon as possible. You might be required to do so according to your policy, however even if not, your attorney will require the details of your losses in order to support your claim (such as repair and medical bills).

Luna suggests that you collect all relevant information on the scene. This includes the details about your vehicle as well as any other drivers involved. Inquire about the insurance card of the other driver and ensure that you have their name, address, phone number as well as information about their vehicle insurance (company, policy numbers). If there are witnesses, you should try to get their names and contact numbers as well.

While the most unintentional thing you’ll ever do following a car crash is argue with insurance companies it is vital to remain calm. If you’re emotionally charged the statements you make could be utilized against you later in the process. It is best to have an attorney handle the negotiations. They will be able to make sure you don’t say anything that could be later used against you.

Contact an attorney

An experienced attorney can help you in negotiating with the insurance company in order to get a fair settlement. They will examine your medical bills and records and will often consult with a doctor to provide their opinion as to the full extent of your injuries. Insurance companies won’t offer you a fair amount if they have not been provided with accurate and complete documents.

You may be entitled to non-economic damages like suffering and pain, in addition to the economic loss. If the court determines that the other driver was negligent, reckless or acted with a high degree of, recklessness or malice it could decide to award punitive damages.

If the driver at fault fled the scene, you’ll need to report that to the police. You must also get an original crash report from the police station or online. You’ll need this to submit a no-fault claim, or a liability lawsuit. New York has very specific laws that apply to auto accidents. These rules are best explained by an experienced attorney.