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How to File an Auto Accident Claim In states that have no fault, your insurance company will pay for the cost of medical treatment and lost wages, regardless of who is responsible for the incident. 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 is contingent on the severity of your injuries as well as expenses. This article will guide you through the steps involved in filing an auto accident claim. Report the Accident If you're involved in a car accident It's essential to report the accident away. In many states, this is 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 crash scene. This can help you remember the accident as well as to help with your insurance claim. Photos can be used to display details such as skid marks and vehicle damage weather conditions, skid marks, and other important information. You should also obtain the details of the other driver, like their name, insurance provider and even their address. It is also advisable to request their driver's license as well as their car registration, if possible. You should also write down what you saw, as well as the events that occurred. If you fail to record the details of what transpired, you could be held liable for injuries or damage that later becomes apparent. If you don't inform your insurance company, they may not pay for any damages resulting from the accident. You can determine whether your policy requires an accident report by checking your policy or by contacting your agent. Seek medical attention After a car crash, you should seek medical attention and be assessed to determine if there are any injuries. You can avoid future complications by visiting an expert as soon as possible. It can also strengthen your case when negotiating with the insurer. auto accident lawyer downey is recommended to go to an emergency room at a hospital, if at all possible following a car crash. This is because hospitals have access to most highly skilled surgeons, doctors and medical equipment. It can be difficult for insurance companies and defense attorneys to minimize the severity of injuries that are treated at a hospital. Car accidents can cause injuries ranging from minor bruising to severe internal injuries, such as traumatic brain injury or paralysis. Even if you don't feel any symptoms initially, such as pain or stiffness it is essential to consult a doctor. These medical records will be critical evidence in proving your claim that you suffered injury-related injuries as a result of the crash. Our Denver car accident attorneys will utilize these records to establish a convincing case that the actions of the motorist at fault caused your injuries and that you should be awarded fair damages for your injuries. Take Photos Take photos of the scene of the accident as quickly as possible, ideally before police arrive. If possible, capture the damage to each vehicle from different angles. It is also essential to get close-up images of the vehicles as well as any other evidence that could be crucial (such as shattered glass or airbags that have been deployed) when you are able to do this. If you're not able to get closeups, try placing objects, like a coin, inside the picture for scale. You can also take pictures without or with flash to reveal the hidden details. It is important to take photographs of any injuries you sustained during the accident. The photos will serve as valuable evidence later on. The bruising and cuts will fade with time. It's also a good idea for you to capture photos of other items that relate to the incident (such as traffic signals, road signs weather conditions, road debris) because they will aid in the creation of a clearer picture of what transpired. Contact Your Insurance Company Whether or not you plan to file a car accident claim, it's crucial to contact your insurance company as quickly as possible. Your policy may require you to do this, and even in the event that it doesn't, your attorney will need records of your losses (like medical charges and repair costs) to support your claims. In addition to obtaining your vehicle's information and identifying any other drivers involved in the accident In addition, you should gather any other relevant information that you can find at the scene, suggests Luna. You should ask for the insurance card of the other driver and ensure that you have their name, address, phone number and insurance details for the car (company and policy number). If there are witnesses, try to obtain their names and contact numbers as well. The most important thing you don't want to do following a car crash is to argue with insurance companies it is vital to remain calm. Any statements you make while you're feeling emotional could be used to your disadvantage later on. This is why it's recommended to hire an attorney to take over negotiations. They can ensure that you don't say anything that can later be used against you. Contact an Attorney An experienced lawyer can help you navigate the insurance company and get a fair settlement. They will review your medical records and bills and will often consult with a doctor to offer their opinion as to the full extent of your injuries. If you do not provide them with complete and accurate documents, they won't give you a fair estimate. You could be entitled to non-economic damages, like suffering and pain in addition to the economic losses. If the other driver was found to have acted with gross negligence or recklessness the court could award additional compensation, which is known as punitive damages. If the at-fault driver fled the scene, you'll have to report the incident to the police. Also, you should get an original crash report from the precinct 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 and these rules are best explained by a knowledgeable attorney.