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In states with no-fault insurance, your insurance will pay for medical costs and lost wages regardless of who was at fault for the accident. They'll also want to collect evidence and look over documents (photos witnesses' testimony, photos, medical records, and expense reports).
The amount of compensation that you receive depends on the severity of your injuries as well as the cost of your injuries. This article will walk you through the steps to file an auto accident claim.
Report the Accident
It's important that you report a car crash as soon as you can. In many states, you'll need to do this to the local police department or county sheriff, state police or Department of Motor Vehicles.
Take photos of the scene of the accident, if you are able to. This can help you remember what happened and could be useful for your insurance claim. For instance, pictures can show skid marks, damage to vehicles or weather conditions, among other important details.
You should also get the details of the other driver, including their name and insurance provider. If possible, you should also request a copy of their driver's licence and car registration.
It's also important to record your personal account of the accident, including what you saw and what transpired. If you don't record what happened, you may be held accountable for injuries or damage that later becomes apparent. If you don't notify your insurance company, they may refuse to cover any damages that result from the incident. You can determine if your policy requires a report of an accident by examining your policy or by contacting your agent.
Get Medical Attention
One of the first things you should do after a car accident is seek medical attention to be examined for injuries. You can avoid future complications by visiting a doctor as quickly as you can. This can also help your case when you negotiate with the insurer.
If possible, it's best to visit a emergency room at a hospital after an accident. Hospitals have access to top-quality surgeons, doctors, and medical supplies. It can be difficult for insurance companies and defense lawyers to downplay injuries treated at hospitals.
Injuries from car accidents can range from bruising and tearing to severe internal injuries, such as brain injuries that are traumatic and even paralysis. Even if some symptoms, like pain and stiffness, don't show up right away it is important to for a medical appointment. The medical records will serve as essential evidence to prove your claim that you sustained injuries resulting from injury as a consequence of the crash.
Our Denver car accident lawyers will use these records to prove that the actions of the driver at fault caused your injuries, and that you deserve fair damages for your injuries.
Take Photos
Photograph the accident scene as soon as you can, ideally before the police arrive. If you're able capture images of the damage to each vehicle from different angles. If you're able, snap close-up photos of vehicles and Vimeo other evidence (such broken glasses or deployed airbags). If you aren't able to take close-ups of the vehicle you can place an object like a penny inside the photo to give it some scale. It's also helpful to take pictures with and without flash as different lighting conditions could reveal hidden details.
You should also take pictures of any injuries you have suffered in the accident. The pictures will be valuable evidence later on. Cuts and bruises will fade with time. Also, it's recommended to take pictures of any other pertinent details of the incident as you can (such as traffic signals, street signs and weather conditions, as well road debris) These details can help paint a more detailed picture of what happened.
Contact Your Insurance Company
Contacting your insurance company is vital regardless of whether or not plan to file a claim after an dalton auto accident attorney accident. You may be required to do so under your policy, but even if not an attorney, you will need documents detailing your losses to back up your claim (such as repair and medical bills).
Luna says that you should collect all relevant information on 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 as well as the details of their car insurance (company or policy number). If witnesses are present, take their names and contact numbers.
The last thing you want to do after a car crash is argue with insurance companies it is vital to remain calm. If you are emotional, any statements you make could be used against you later in the process. It is best to have an attorney manage the negotiations. They can ensure that you don't say anything that could later be used against you.
Contact an Attorney
An experienced attorney can help you in negotiations with the insurance company to secure a fair settlement. They will go over the medical bills and records and frequently consult with a physician to provide an opinion as to the full extent of your injuries. If you do not provide them with complete and accurate documents, they won't give you a fair value.
In addition to pursuing economic losses, like 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 gross negligence or recklessness, the court may award additional compensation, referred to as punitive damages.
You will need to inform the police if the person at the fault fled the scene. You should also request a copy of the crash report from the precinct or online. This will be needed to bring a lawsuit or a no-fault lawsuit. New York has specific laws that regulate auto accidents. An experienced attorney can explain these rules.
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