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How to File an Auto Accident Claim In states that have no-fault insurance, the insurer will pay for medical costs and lost wages regardless of who was at fault for an accident. They'll also want to gather evidence and read documents (photos witnesses' testimony, photos medical records, witness testimony, and expense reports). The amount of compensation you receive is dependent on the severity of injuries and expenses. This article will help you understand the steps involved in filing an auto accident claim. Report the Accident It is crucial to notify a car crash immediately. In many states, you'll need to do this to the local police department, county sheriff, state police or Department of Motor Vehicles. Photograph the scene of the accident if you are able to. You can use this to help you remember the incident and to file a claim for insurance. Photos are a great way to display specifics like skid marks and vehicle damage weather conditions, skid marks, and other important details. It is also important to obtain the information of the other driver, including their name, insurance provider and even their address. Also, you should request the driver's license and vehicle registration, if they are available. auto accident lawyer quincy should also write down what you saw, as well as what happened. Remember that memory isn't always reliable and if you don't note what happened and what happened, you could be responsible for damages or injuries that aren't obvious later. Additionally, if you fail to report the incident the insurance company could refuse to cover any damages caused by it. You can find out whether your policy requires an accident report by examining your policy or contact your agent. Get Medical Attention After a crash, you should seek medical attention and be examined to determine whether there are any injuries. Seeking medical attention as soon as possible can help you avoid any further issues and also make your claim stronger when it comes time to negotiate with the insurance company. If you can, it is best to go to the emergency room at a hospital after a car crash. Hospitals have access top-quality surgeons, doctors and medical supplies. It is often difficult for insurance companies and defense lawyers to downplay injuries sustained at hospitals. Car accidents can cause injuries ranging from minor bruising, up to serious internal injuries like paralysis or traumatic brain injury. Even if symptoms, such as stiffness and pain don't show up right away it is important to visit a doctor. These medical records will be crucial evidence to support your claim that you sustained injuries resulting from injury as a consequence of the crash. Our Denver car accident lawyers will utilize the medical records to create strong arguments to prove that the actions of the driver responsible for the accident caused your injuries and you are entitled to an adequate amount of compensation for the damages you sustained. Take Photos Photograph the scene of the accident as quickly as you can, and ideally before the police arrive. If you are able, capture all the damages to each vehicle from different vantage points. If you can, take photos of the vehicle in close-ups as well as other evidence (such broken glasses or airbags in use). If you can't get close-ups of the vehicles then place an object like an empty penny in the photo to give it scale. You can also snap pictures without or with a flash to reveal hidden details. It is also a good idea to photograph any injuries you suffered in the collision. Bruises, cuts and scrapes will fade with time, so your photos can be used as evidence of your injuries in the future. It's also an excellent idea to take pictures of other aspects which are relevant to the incident (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 Contacting your insurance company is vital, whether or not you plan to file a claim for a car accident. You may be required to file a claim under your policy, but even if you're not, your attorney will require the details of your losses in order to support your claim (such as repair costs and medical bills). In addition to collecting your own vehicle's information and identifying any other drivers involved in the crash In addition, you should gather any other relevant information you can at the scene, according to Luna. Ask to see 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 witnesses, get their names and phone numbers. It's essential to remain calm, even when the last thing you would like to do following an accident is to argue with insurance companies. If you're feeling emotional, any statements you make could be used against you later in the process. It is best to let an attorney handle the negotiations. They can make sure that you do not say anything that could be used against you later on. Contact an Attorney An experienced lawyer can assist you in navigating the insurance company and get a fair settlement. They will go over your medical bills and records and will frequently consult with a doctor to offer their opinion on the extent of your injuries. Insurance companies won't give you a fair amount in the event that they are not provided with accurate and complete evidence. You may be entitled non-economic damages, for example suffering and pain in addition to your economic losses. If the court concludes that the other driver was negligent, reckless or acted with a high degree of or recklessness it could award punitive damages. You'll need to notify the police if the person at responsible fled the scene. You should also request the crash report from the police station or online. You will need this to make a no-fault claim or a liability lawsuit. New York has very specific laws that govern automobile accidents. These rules are best explained by a knowledgeable attorney.