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If your vehicle is damaged due to an accident, it is necessary to make an insurance claim. It is important to understand how this procedure operates.
Insurance companies will send an adjuster to inspect your vehicle damage. You don't have to be present when an adjuster examines the damage to your vehicle, but you must bring along your insurance policy and any relevant documentation.
Take Photos
Have you ever watched a crime series where the investigators take photographs of every detail from footprints to chocolate wrappers that are thrown away? Make use of the same level focus when looking at your accident scene. It is essential to record as much of the incident during the time it occurs, so that you have something tangible to prove your case in the future.
It is important to take photos of both cars, but you should also consider taking pictures of the damaged components. These photos can assist insurance companies and expert witnesses to determine the size of specific objects, like skid marks. In your photos, be sure to include important points of reference such as the location of stop signs or traffic lights. These could later be connected to the actions of the driver at fault that caused the crash.
Take pictures of other drivers and their passengers as well as any witnesses. You may be able to snap a photo of their license plate. Also, take pictures of emergency responders and Vimeo their vehicles. If anyone is put on a gurney and into an ambulance, take pictures of them as well.
Don't submit the pictures to the insurance company only when directed by your attorney or if you are required to do so by a court. In other words, you could accidentally be proving your own claim. If you change the date on your photos the insurance company might be skeptical about your claim.
Seek Medical Attention
The first thing you need to do after an accident is to seek medical attention. This is not only for your health, but as a way to ensure that any injuries are recorded. In many personal injury lawsuits you will be seeking compensation for medical expenses and other damages. Medical records are essential to your claim.
Even if there are no symptoms that you can notice it is important to make an appointment to see your primary care physician or an emergency room. Your doctor can provide you with an evaluation of your injuries, and also perform an exhaustive medical assessment. They can also provide you with the necessary treatment.
It is crucial to follow the recommendations of your doctor about your treatment plan as this will help you recover quicker and strengthen your case. This includes taking your prescribed medication and any prescription or over-the-counter medications and participating in an exercise program, following the instructions regarding time off work, and attending subsequent appointments.
During this process, you must be careful. It is crucial not to say anything that could be incorrectly interpreted by an adjuster from the insurance company. This is because insurance companies may attempt to deny your injuries in an effort to reject your claim or decrease the amount of money they'll give you in your claim. This is why it is recommended to not talk to any insurance adjusters unless you have an attorney present.
Contact an attorney
Accessing legal representation is essential for injured parties. Attorneys can help injured parties deal with their stress and determine where they should focus their energy. Attorneys can also weigh evidence and facts to determine whether a case is worth fighting in court.
The insurance business is, first and foremost, an organization, and their goal is to take as much money from insureds as they can, while paying out as little as they can (in theory). It may be tempting, when at the scene of an incident to accept a low-ball settlement because it's the easiest thing to accomplish. This is a mistake that could have disastrous consequences down the road.
When you make an insurance claim the insurance adjuster will be out to evaluate the damage to your car and will review receipts for personal property damage and medical bills. They may also speak with witnesses and examine police records. It is helpful to get estimates on repairs from local auto shops or contractors before meeting with the adjuster, so that they know what to anticipate when it comes to repairs.
An experienced motor vehicle accident lawyer can make sure that all information required is included promptly and that the correct documents are handed over to an insurance company. They can offer advice and make recommendations regarding how to deal with an adjuster for claims, how to deal with a settlement, as well as what to do in the event that an insurance company is unresponsive or acting in a way that is unethical.
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