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How to File an Auto Accident Claim

In states that have no-fault insurance, your insurer will pay for medical costs and lost wages regardless of who was at fault for the accident. They’ll also want to review documents and gather evidence (photos witness testimony medical records, and expense reports).

The amount of compensation that you receive will depend on the severity of your injuries and expenses. This article will guide you through the steps to making a claim in the event of an auto accident.

Report the Accident

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

Take pictures of the scene of the accident, if you are able to. This will help you remember what happened, and could be useful for your insurance claim. For example, photos can show skid marks, damage to vehicles weather conditions, and other important details.

You should also collect the information of the other driver, such as their name and the insurance company they use. You should also ask for their driver’s licence and car registration, if it is possible.

It is also essential to record your own account of the accident and what you saw and what transpired. If you don’t document what happened, you may be held accountable for any injuries or damage that later becomes apparent. Additionally, if you fail to report the incident and your insurance company is not aware of it, they may refuse to pay for any damage caused by it. Go through your policy, or contact your agent to determine if you need to file an accident report.

Get Medical Attention

One of the first things you need do after a car accident is seek medical attention to be examined for injuries. Seeking medical attention as soon as you can is a good way to avoid any further complications, and it can also help you with your claim when it comes time to negotiate with the insurance company.

It is recommended to visit an emergency room in a hospital in the event that it is possible after a car wreck. This is because hospitals have access to highest quality physicians, surgeons and medical equipment. Defense lawyers and insurance companies might find it difficult to minimize injuries treated in hospitals.

Injuries from car accidents can range from bruising to severe internal injuries, such as traumatic brain injury and paralysis. Even if you don’t experience any initial symptoms, such as stiffness or pain it is crucial to see a physician. These records will be vital in proving that you’ve sustained injuries in connection with the crash.

Our Denver car accident attorneys will make use of these records to present a convincing argument that the actions of the at-fault motorist caused your injuries and you are entitled to fair compensation for your injuries.

Take Photos

Photograph the accident scene as soon as you can, but ideally before the police arrive. If you can, take photos of 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 deployed). If you are unable to get close-ups of the vehicle you can place an object like an empty penny in the photo to give it scale. You can also snap photos with or without flash to show hidden details.

You should also take pictures of any injuries you suffered from the accident. The photos will serve as valuable evidence later on. The bruising and cuts will fade over time. It’s also recommended to take photos of other things that may be relevant to the accident (such as traffic signals, road signs, weather conditions, and road debris) since they can help paint a clearer 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 quickly as possible. Your policy might require you to do this, and even if it doesn’t, your attorney will require documentation of your losses (like medical charges and repair costs) to prove your claim.

Luna says that you should gather all relevant information about the scene. This includes the details of your vehicle and any other drivers involved. You should ask to see the insurance card of the driver who was involved in the accident and ensure that you have their name, the address, number, and details regarding their car insurance (company or policy numbers). If there are any witnesses, try to find their names and contact numbers, too.

While the last thing you want to do after a car crash is fight with insurance companies it is vital to remain calm. If auto accident lawsuit richardson are emotional your statements can be used against you later in the process. This is the reason it’s best to hire an attorney handle negotiations. They can make sure you don’t say anything that can later be used against you.

Contact an attorney

An experienced attorney can assist you with navigating the insurance company and get a fair settlement. They will go over your medical bills and records, and often consult with a medical professional to give their opinion regarding the extent of your injuries. If you do not provide them with complete and accurate documents, they won’t give you a fair value.

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

You will need to inform the police if the person at fault fled the scene. You should also request a copy of the crash report from the police station or online. You’ll need it to file a no fault claim or a liability lawsuit. New York has very specific rules that govern auto accidents. These laws are best explained by an experienced attorney.