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How to File an Auto Accident Claim In states where there is no fault your insurance company will pay for medical expenses and lost wages regardless of who was at fault for the accident. They'll also need to look over documents and gather evidence (photos witnesses' testimony medical records, and expense reports). The amount you receive will depend on the severity of injuries and expenses. This article will walk you through the steps to filing an auto accident claim. Report the Accident It's essential to notify a car crash as soon as possible. In many states, you'll have to report the incident to the local police department county sheriff, state police, or Department of Motor Vehicles. If you can, snap photos of the scene of the crash. This can help you recall what happened and can be useful in your insurance claim. For example, photos can show skid marks, vehicle damage as well as weather conditions and other important details. It's also a good idea to get the other driver's details including their name as well as the insurance company. You should also request their driver's licence and car registration, if they are available. It's also crucial to record your own report of the incident in detail, including what you witnessed and what happened. If you don't document what happened, you could be held responsible for injuries or damages that are later discovered. If you fail to notify your insurance company, they may refuse to pay for any damages that result from the incident. You can find out whether your policy requires an accident report by examining your policy or by contacting your agent. Get auto accident attorneys newport news of the first things you need do following a car collision is to seek medical attention and be examined for injuries. You can prevent future complications by visiting the doctor as soon as possible. It will also help your case when negotiating with the insurer. If possible, it's best to visit a emergency room at a hospital after a car crash. Hospitals have access surgeons, doctors, and medical equipment. It can be challenging for insurance companies and defense attorneys to deny injuries sustained in the hospital. Injuries from car accidents can range from bruising and tearing to severe internal injuries like brain injuries that are traumatic and even paralysis. Even if you don't experience any symptoms initially in the form of stiffness or pain it is crucial to see a physician. These records are crucial in proving that you have suffered injuries as a result of the crash. Our Denver car accident lawyers will use these records to present a convincing argument that the actions of the driver at fault caused your injuries and that you are entitled to fair damages for your injuries. Take Pictures Photograph the site of the accident as fast as possible, but ideally before police arrive. If possible, capture the damaged vehicles from various vantage points. It is also important to get close-up images of the vehicles and any other evidence that could be crucial (such as shattered glass or airbags deployed) in the event that you are able to do so. If you are unable to get close-ups of your vehicle put an object, such as a penny inside the photo to give it a scale. It's also beneficial to capture photos using and without a flash, as different lighting conditions could reveal some hidden details. It is also an excellent idea to document any injuries you sustained in the accident. The photographs will be useful evidence later on. Cuts and bruises will fade with time. Also, it's an excellent idea to record any other pertinent details of the accident as possible (such as street signs, traffic lights and weather conditions, as well road debris) because these details could aid in creating a more detailed picture of what transpired. Contact Your Insurance Company If you are planning to file a car accident claim, it's crucial to contact your insurance company as soon as possible. You might be required to file a claim by your policy, but even if you're not the case, your lawyer will need documents detailing your losses to back up your claim (such as medical bills and repair expenses). Apart from obtaining your car's information and identifying any other drivers involved in the collision In addition, you should gather any other relevant information that you can find at the scene, suggests Luna. Ask to see the insurance card of the other driver and make sure that you have their name, address, telephone number and details regarding their car insurance (company or policy numbers). If witnesses are present, obtain their names and numbers. It's important to stay calm even when the last thing you would like to do after an accident in the car is to argue with insurance companies. If you're emotional the statements you make could be used against you later in the process. It is best to let an attorney handle the negotiations. They will be able to ensure that you don't mention anything that could be later used against you. Contact an attorney An experienced lawyer can assist you in negotiations with the insurance company in order to get a fair settlement. They will examine the medical bills and records, and often consult with a doctor to offer their opinion regarding the extent of your injuries. If you do not provide them with accurate and complete evidence, they will not give you a fair value. In addition to pursuing your economic losses, such as medical bills and lost wages, you may be entitled to non-economic damages for pain and suffering. If the other driver was found to have acted with a degree of gross inattention or recklessness and the court awards additional compensation, also known as punitive damages. If the at-fault driver fled the scene, you will have to report it to the police. You can also get a copy of a crash report at the police precinct or online. This is required to make a no-fault claim or a liability lawsuit. New York has specific laws that govern automobile accidents. An experienced attorney can explain these rules.