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How to File an Auto Accident Claim In states that have no-fault insurance, your insurer will pay for medical costs and lost wages regardless of who's at fault for an accident. They'll also be looking to collect evidence and look over documents (photos, witness testimonies medical records, as well as expense reports). The amount of compensation you receive will depend on the extent of your injuries and the cost of your injuries. This article will guide you through the steps to making a claim in the event of an auto accident. Report the Accident If you're involved in a car crash it is crucial to report the crash right away. In many states, this will be done by the local police or county sheriffs, state police, or Department of Motor Vehicles. Photograph the accident scene if you can. This can aid in remembering the accident and for your insurance claim. Photos are a great way to display specifics like skid marks, vehicle damage weather conditions, skid marks, and other important information. It's an excellent idea to collect the other driver's details including their name as well as the insurance company. Also, you should request their driver's licence and car registration, if it is possible. It is important to note down what you saw, as well as what happened. Remember, memory isn't reliable and if you fail to record what happened, you could be accountable for damages or injuries that are not apparent later on. If you don't inform your insurance company, they could decline to pay for damages resulting from the accident. You can determine if your policy requires a report of an accident by reviewing your policy or calling your agent. Seek medical attention One of the first things you need do following a car crash is seek medical attention to be assessed for injuries. Making an appointment with a doctor as quickly as you can is a good way to avoid any further issues and can increase your claim when it's time to negotiate with the insurance company. If you can, it is best to visit a emergency room in a hospital after an accident. Hospitals have access to top-quality surgeons, doctors and medical equipment. Insurance companies and defense lawyers might have a difficult time trying to minimize the damage caused by hospitals. Injuries from car accidents can range from bruising to severe internal injuries, including the traumatic brain injury and paralysis. Even if you don't experience any symptoms initially like discomfort or stiffness, it is important to consult a physician. These records are crucial in proving that you have sustained injuries in connection with the crash. Our Denver car accident attorneys will utilize these records to build a solid case that the actions of the at-fault motorist caused your injuries and that you are entitled to fair compensation for your injuries. Take Pictures Take photos of the scene of the accident as quickly as you can, and ideally before police arrive. If you are able, capture all the damage to the vehicle from various vantage points. It is also crucial to capture closeup photos of the vehicle and any other evidence of importance (such as broken glass or airbags that have been deployed) in the event that you are able to do this. If you are unable to get close-ups of the vehicle you can place an object like an empty penny in the photo to give it a sense of scale. It's also helpful to capture photos using and without flash because different lighting conditions can reveal the hidden details. It's also an excellent idea to document any injuries you may have sustained during the collision. Bruises, cuts and scrapes will fade with time, so these photos can be used as evidence of your injuries later. It is also an excellent idea to record as many other pertinent details of the incident as you can (such as road signs, traffic lights or weather conditions, as well as road debris) These details can aid in constructing a more precise image of what transpired. Contact Your Insurance Company Whether or not you plan to file a claim, it's important to contact your insurance company as soon as possible. Your policy might require you to take this step, but even if it does not, your attorney may require documentation of your losses (like medical bills and repair costs) to support your claims. Luna says that you should collect all relevant information regarding the scene. This includes the information about your vehicle and any other drivers involved. Ask to see the insurance card of the other driver and ensure you have their name address, telephone number, address and car insurance information (company and policy number). If there are witnesses, collect their names and numbers. It's essential to remain calm even while the last thing you would like to do after an accident in the car is to fight with insurance companies. Any statements you make when you're feeling emotional could be used against you in the future. auto accident attorney parma is the reason it's recommended to hire an attorney to take over negotiations. They will be able to make sure you don't say anything that could be later used against you. Contact an attorney An experienced lawyer can help you navigate the insurance company and obtain an equitable settlement. They will review your medical bills and records and will often consult with a medical professional to provide their opinion on the extent of your injuries. Insurance companies are not able to give you a fair amount in the event that they are not given complete and accurate evidence. In addition to pursuing economic losses, including medical bills and lost wages, you may also be entitled to non-economic damages for pain and suffering. If the other driver was found to have acted with a degree of gross recklessness or negligence the court can award additional compensation, known as punitive damages. You will need to inform the police if the motorist at responsible fled the scene. You should also request an original crash report from the precinct or online. You'll need this to file 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.