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How to File an Auto Accident Claim In states that have no-fault insurance, your insurance will cover medical expenses and lost wages regardless of who was at fault for an accident. They will also want to gather evidence and review documents (photos witness testimony, photographs, medical records, and expense reports). The amount you receive will depend on the severity of injuries and the amount of expenses. This article will help you understand the steps of filing an auto accident claim. Report the Accident If you're involved in a car accident It's essential to report the crash right immediately. In many states, you'll have make this report to the local police department, county sheriff, state police, or Department of Motor Vehicles. If possible, take pictures of the scene of the crash. This can help you remember the accident as well as to help with your insurance claim. For example, photos can show skid marks, vehicle damage, weather conditions and other important details. It's an excellent idea to obtain the other driver's details, including their name and insurance company. Also, you should request the driver's license and vehicle registration, if they are available. It is also essential to record your personal report of the incident in detail, including what you witnessed and what happened. If you don't record the incident, you could be held accountable for injuries or damages that later become apparent. In addition, if you do not report the incident, your insurance company may refuse to pay for any damage resulting from it. You can determine if your policy requires a report of an accident by looking up your policy, or contact your agent. Get Medical Attention After a crash, you must seek medical attention and be examined to determine if you are any injuries. You can avoid any future problems by visiting an expert as soon as possible. It will also help your case when you negotiate with the insurance company. auto accident lawyer kent is recommended to visit a hospital emergency room, should you be able to following a car crash. Hospitals have access surgeons, doctors, and medical supplies. It can be difficult for insurance companies and defense lawyers to deny injuries sustained in a hospital. Car accidents can result in injuries that range from minor bruising, up to severe internal injuries, such as the traumatic brain injury or paralysis. Even if symptoms, such as pain and stiffness, don't manifest right away, it's important to go visit a doctor. These records will be crucial in proving that you've suffered injuries related to the crash. Our Denver car accident lawyers will use these documents to build a solid case that the actions of the at-fault motorist caused your injuries, and that you deserve fair compensation for your injuries. Take Photos Take pictures of the scene of the accident as fast as possible, ideally before the police arrive. If possible, capture the damages to each vehicle from different angles. If you can, take close-up shots of the vehicles and other evidence (such broken glasses or airbags in use). If you aren't able to take close-ups of the vehicle, place an object like a penny inside the photo to give it some scale. You can also take photographs with or without flash to show hidden details. It is important to take photographs of any injuries you sustained during the accident. Bruises, cuts and scrapes will fade over time, so these photos will be a great proof of your injuries later. It is also recommended to snap pictures of other things that may be relevant to the accident (such as traffic signals, road signs weather conditions, road debris) because they will aid in forming a more clear picture of what happened. Contact Your Insurance Company Whether or not you plan to file a claim, you should contact your insurance company as quickly as possible. Your policy could require you to take this step, but even if it does not, your attorney will require documentation of your losses (like medical bills and repair costs) to back up your claims. Luna advises that you collect all relevant information regarding the scene. This includes the details about your vehicle as well as any other drivers involved. Make sure you get the insurance card of the other driver and ensure that you have their name as well as their address, phone number and car insurance information (company, policy number). If there are any witnesses, try to find their names and contact numbers as well. It's crucial to remain calm, even while the last thing you'd like to do after an accident is to fight with insurance companies. If you're emotionally charged the statements you make could be used against you later on in the process. This is why it's best to have an attorney manage negotiations. They will be able to ensure that you don't say anything that could be later used against you. Contact an attorney An experienced lawyer can assist you in negotiations with the insurance company to obtain an equitable settlement. They will go through all of your medical records and bills and consult with doctors to determine the full extent and the severity of your injuries. Insurance companies won't offer the appropriate amount if they have not been supplied with full and accurate documents. In addition to pursuing your economic losses, which include 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 acted with gross negligence or recklessness it could award punitive damages. You must inform the police if the driver at blame fled the scene. You can also get an original copy of the crash report at the police station or online. This is required to bring a lawsuit or a no-fault case. New York has very specific rules that govern automobile accidents. These rules are best explained by an experienced attorney.