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How to File an Auto Accident Claim

In states with no-fault insurance, your insurer will pay for medical expenses and lost wages regardless of who was at fault for an accident. They’ll also need to gather evidence and examine documents (photos witnesses’ testimonies, photos medical records, witness testimony, and expense reports).

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

Report the Accident

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

Take photos of the scene of the accident if are able to. You can use this to help you remember the accident and for your insurance claim. For instance, pictures can show skid marks, vehicle damage weather conditions, and other important details.

It’s also a good idea to collect the other driver’s information, including their name and insurance company. It is also advisable to request the driver’s license and vehicle registration, if it is possible.

You should also write down what you saw, as well as the events that occurred. Remember that memory is not reliable and if you don’t write down what happened it could leave you accountable for damages or injuries that are not evident later on. If you fail to notify your insurance company, they may decline to pay for injuries that result from the accident. You can determine if your policy requires a report of an accident by looking up your policy, or calling your agent.

Seek medical attention

One of the first things you need do following a car crash is seek medical attention to be examined for injuries. A visit to a doctor as soon as possible can help you avoid any future complications, and it can also strengthen your claim when it’s time to negotiate with the insurance company.

If possible, it’s best to visit a emergency room at a hospital after an accident. This is because hospitals have access to the best surgeons, physicians and medical equipment. It can be challenging for insurance companies and defense lawyers to minimize the severity of injuries that are treated in hospitals.

Injuries resulting from car accidents can vary from minor bruising to serious internal injuries, including paralysis and brain trauma. Even if symptoms, such as pain and stiffness, don’t appear immediately, it’s important to go see a doctor. Medical records are critical evidence in proving your claim that you sustained injury-related injuries as a result of the crash.

Our Denver car accident lawyers will use these documents to prove that the actions of the motorist at fault caused your injuries and that you should be awarded fair damages for your injuries.

Take Photos

Photograph the site of the accident as fast as you can, and ideally before police arrive. If you are able, capture all the damage to the vehicle from various vantage points. If you are able to, take photos of the vehicle in close-ups as well as other evidence (such broken glasses or deployed airbags). If you are unable to capture close-ups, you can try placing objects, like coins, into the photo to show scale. You can also capture pictures without or with flash to reveal the hidden details.

It is important to take photographs of any injuries you suffered in the accident. Cuts, bruises and scrapes will fade over time, so your photos can be used as evidence of your injuries in the future. It is also recommended to take photos of other things that may be relevant to the accident (such as road signs, traffic signals, weather conditions, and road debris) because they can aid in forming a more clear picture of what happened.

Contact Your Insurance Company

No matter if you’re planning to file a claim, it’s crucial to contact your insurance company as soon as possible. Your policy might require you to take this step, but even in the event that it isn’t, your attorney will require records of your losses (like medical bills and repair expenses) to prove your claim.

Luna says that you should gather all relevant information about the scene. This includes details of your vehicle and any other drivers involved. Request to see the insurance card of the other driver and ensure that you have their name address, telephone number, address and insurance details for the car (company or policy number). If witnesses are present, obtain their names and phone numbers.

While the first thing you’ll want to do following a car accident is to argue with insurance companies it is essential to remain calm. Any statements you make while you’re feeling emotional could be used against you later on. This is the reason it’s best to have an attorney deal with 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 negotiating with the insurance company to obtain a fair settlement. They will look over all of your medical records and bills and consult with doctors to determine the full extent and extent of your injuries. If you don’t provide them with complete and accurate documents, they won’t provide you with a fair amount.

You may be entitled to non-economic damages, like suffering and pain, in addition to your economic losses. If the other driver was found to have acted with gross inattention or recklessness and the court awards additional compensation, which is known as punitive damages.


You’ll need to notify the police if the person at blame fled the scene. You can also obtain a copy of a crash report from the precinct, or online. This will be needed to file a lawsuit or a no fault case. New York has very specific laws governing auto accidents. auto accident attorneys new jersey are best explained by a knowledgeable attorney.