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How to File an Auto Accident Claim In states that have no-fault insurances, your insurer will pay for medical costs and lost wages regardless of who was at fault for the accident. auto accident law firm st joseph 'll also want to collect evidence and look over documents (photos, witness testimonies medical records, photos, and expense reports). The amount of compensation that you receive will depend on the severity of your injuries and expenses. This article will walk you through the steps of filing an auto accident claim. Report the Accident If you're involved in a car crash It's essential to report the accident immediately. In many states, this is performed by the local police or county sheriffs, state police, or Department of Motor Vehicles. If you are able, take photographs of the scene of the crash. This can help you remember what happened, and it can be useful in your insurance claim. For instance, photos can show skid marks, vehicle damage, weather conditions and other important details. You should also collect the information of the other driver, like their name, insurance provider and even their address. If you are able, ask for their driver's license and car registration. It's also important to record your own account of the accident in detail, including what you witnessed and what transpired. Remember, memory is unreliable If you don't write down what happened and what happened, you could be at fault for damages or injuries that aren't evident later on. In addition, if don't report the accident, your insurance company may not cover any damages that result from it. Review your policy or call your agent to inquire the requirements for filing an accident report. Get Medical Attention After a car crash, you should seek medical treatment and be examined to determine if there are any injuries. Making an appointment with a doctor as quickly as possible will allow you to avoid any further issues and also make your claim stronger when it's time to negotiate with the insurance company. It is recommended to visit an emergency room at a hospital, if at all possible after a car accident. This is because hospitals have access to the highest quality physicians, surgeons and medical equipment. It can be challenging for insurance companies and defense lawyers to downplay injuries sustained at the hospital. Injuries from car accidents can range from minor bruising up to severe internal injuries, including the traumatic brain injury and paralysis. Even if you don't experience any initial symptoms, such as pain or stiffness it is essential to consult a physician. These records will be crucial in proving you've sustained injuries in connection with the crash. Our Denver car accident lawyers will use the medical records to create strong arguments to prove that the at-fault driver's actions caused your injuries and you deserve an adequate amount of compensation for the damages you sustained. Take Pictures Photograph the scene of the accident as fast as you can, but ideally before the police arrive. If you are able, capture all the damage to each vehicle from different vantage points. It is also essential to take close-up photographs of the vehicles as well as any other evidence that is crucial (such as shattered glass or airbags that have been deployed) when you are able to do this. If you are unable to get close-ups of the vehicle put an object, such as an empty penny in the photo to give it scale. You can also capture photos with or without flash to reveal more details. Also, you should take photographs of any injuries you suffered during the accident. These photos will provide valuable evidence later on. Bruises and cuts will fade with time. It is also important to capture all other relevant details of the accident as you can (such as street signs, traffic lights or weather conditions, as well as road debris) because these details could help paint a more complete picture of what happened. Contact Your Insurance Company If you're planning to file a claim, you should contact your insurance company as quickly as possible. Your policy may require you to do this, and even in the event that it does not, your attorney may need records of your losses (like medical charges and repair costs) to support your claims. Luna says that you should take all relevant information from the scene. This includes the information about your vehicle and any other drivers involved. Inquire about the insurance card of the other driver and ensure you have their name and the address, number, and details regarding their car insurance (company, policy numbers). If there are witnesses, get their names and contact numbers. While the most unintentional thing you'll ever do after a car accident is argue with insurance companies it is essential to remain calm. Any statements you make while you're feeling emotional could be used against you in the future. It is best to have an attorney handle the negotiations. They can ensure that you don't mention something that could later be used against you. Contact an attorney An experienced attorney can assist you in dealing with the insurance company and obtain an equitable settlement. They will look over your medical records and bills, and often consult with a medical professional to offer their opinion as to the full extent of your injuries. Insurance companies are not able to give you fair value if they have not been supplied with full and accurate evidence. In addition to pursuing your economic losses, including medical bills and lost wages, you may be entitled to non-economic damages for pain and suffering. If a court decides that the other driver acted with gross negligence, recklessness or malice or recklessness, it may award punitive damages. If the driver at fault fled the scene, you will need to report that to the police. You can also obtain an original copy of the crash report from the police precinct or online. You'll need it to submit a no-fault claim, or a liability lawsuit. New York has specific laws that regulate automobile accidents. An experienced lawyer can explain these rules.