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How to File an Auto Accident Claim In states that have no-fault insurance, your insurer will cover medical expenses as well as lost wages regardless of who was responsible for the accident. They'll also need to look over documents and gather evidence (photos witnesses' statements medical records, and expense reports). The amount of compensation you receive is contingent on the severity of your injuries and expenses. This article will guide you through the steps of filing a claim for compensation from an auto accident. Report the Accident If you're involved in a car accident It's essential to report the crash right away. In many states, this will be carried out by local police or county sheriffs. In some states, it's the state police, or Department of Motor Vehicles. If you are able, take photographs of the scene. This will help you remember what happened, and could be beneficial for your insurance claim. Photos can be used to display details like skid marks, vehicle damage weather conditions, skid marks and other important details. It's also a good idea to obtain the information of the other driver including their name as well as the insurance company. If you can, also request to see their driver's licence and car registration. It's also crucial to write down your own report of the incident as well as what you saw and what transpired. If you don't record the details of what transpired, you could be held accountable for any injuries or damages that later become apparent. Additionally, if you fail to report the incident, your insurance company may decline to cover any damages that result from it. You should check your policy or talk to your agent to find out the requirements for filing an accident report. Seek medical attention After a crash, you should seek medical treatment and be examined to determine if you are any injuries. Making an appointment with a doctor as quickly as you can will help avoid any future complications, and it can also make your claim stronger when it's time to negotiate with the insurance company. If possible, it's best to go to the emergency room in a hospital after an accident. This is because hospitals have access to top surgeons, doctors, and medical supplies. It isn't easy for insurance companies and defense attorneys to minimize the severity of injuries that are treated at the hospital. Car accidents can cause injuries ranging from minor bruising, up to severe internal injuries like paralysis or traumatic brain injury. Even if the symptoms, like stiffness and pain do not manifest right away it is important to visit a doctor. The medical records will serve as crucial evidence to support your claim that you suffered injury-related injuries as a result of the crash. Our Denver car accident lawyers will utilize these medical records to construct solid evidence that the at-fault driver's actions caused your injuries and you deserve fair compensation for your damages. Take Photos Photograph the scene of the accident as soon as possible, but ideally before police arrive. If you're able capture photos of the damaged vehicle from different angles. It is also essential to take close-up pictures of the vehicle and any other evidence of importance (such as broken glass or airbags that have been deployed) when you are able to do this. If you can't get close-ups of the vehicle, place an object, such as a penny in the photo to give it a scale. It is also helpful to capture photos using and without a flash, since different lighting conditions might reveal hidden details. It is also recommended to capture any injuries you may have sustained during the crash. Cuts, bruises and scrapes will fade over time, so the pictures will be a great proof of your injuries later. Additionally, it is important to capture as many other pertinent details of the incident as you can (such as traffic lights, street signs or weather conditions, as well as road debris), as these can help paint a more detailed picture of what happened. Contact Your Insurance Company No matter if you're planning to file a claim, you should contact your insurance company as quickly as possible. auto accident law firm warwick may require you make this call, and even if it isn't, your attorney will require proof of your losses (like medical expenses and repair costs) to back up your claims. Luna advises that you collect all relevant information regarding the scene. This includes the details of your vehicle and any other drivers involved. Make sure you get the other driver's insurance card and ensure you have their name, address, phone number as well as the details of their car insurance (company, policy number). If witnesses are present, obtain their names and contact numbers. The first thing you'll want to do after a car crash is fight with insurance companies it is essential to remain calm. The statements you make when you're emotional can be used against you later on. This is the reason it's best to hire an attorney take over negotiations. They can ensure that you do not say anything that could be used against you later on. Contact an attorney An experienced attorney can help you in negotiations with the insurance company to secure an equitable settlement. They will go over your medical records and bills and will frequently consult with a medical professional to offer their opinion regarding the extent of your injuries. Insurance companies are not able to give the appropriate amount if they aren't provided with accurate and complete documents. In addition to pursuing economic losses, such as medical bills and lost wages, you may be entitled to non-economic damages for suffering and pain. If a court decides that the other driver was negligent, reckless or acted with a high degree of or recklessness 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 should also obtain a copy of the crash report from the police station or online. This is required to make a claim in a lawsuit, or a no-fault case. New York has specific laws that regulate auto accidents. An experienced lawyer can explain these rules.