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You'll need to make an insurance claim if your vehicle is damaged. It is important to know how this procedure is carried out.
Insurance companies will send an adjuster to inspect the damage to your vehicle. You don't have to be present when an adjuster looks over your vehicle damage, but you should bring along your policy as well as any relevant documentation.
Take Pictures
Ever watch a crime show where investigators comb over every square inch of the scene, photographing every little detail from footprints to discarded chocolate wrappers? You should apply the same level focus when looking at your accident scene. It is important to capture as much of the incident as you can when it happens so that you will have evidence to support your case in the future.
Getting pictures of the damage to both cars is a must however, you should also consider taking close-ups of the areas damaged. These photos will help insurance companies and also expert witnesses to determine the size of different objects. In your photos, be sure to include some reference points, like the location of stop signs or traffic lights. These can be used to determine the actions of the driver at fault that caused the accident.
If you can, take photos of the other driver and their passengers and witnesses. You might be in a position to take a picture of their license plate. Also, take pictures of emergency responders and their vehicles, and if anyone is put on a gurney, and then an ambulance, take pictures of them as well.
Only submit the photos to the insurance company only if instructed by your attorney or ordered to do by the court. You could accidentally provide evidence that is against your claim if you don't. For instance, if you change the date stamp on your photos after the accident, it could cause insurance companies to doubt the legitimacy of your claim.
Seek Medical Attention
The first thing to do following an accident is to seek medical attention. Not only is this crucial for your own health however, it also ensures that any injuries you have are documented. Many personal injury cases involve seeking compensation for motor vehicle accident lawsuits medical bills as well as other damages. This is why medical records are essential to the success of your claim.
Even if you are not experiencing any signs, you should take a visit to your primary care doctor or an emergency room. Your doctor will be able provide you with a full medical assessment and will determine the severity of your injuries. They will also to give you the appropriate treatment.
It is crucial to adhere to the recommendations of your doctor about the treatment plan you are on as this will allow you to recover faster and help strengthen your case. This includes taking your prescriptions as well as any prescription or over-the-counter medications and participating in a physical therapy program taking the time off as directed by your doctor, work, and attending subsequent appointments.
It is important to stay clear of saying anything that an insurance adjuster might mistakenly interpret. This is because the insurance company might attempt to discredit your injury in order to make your claim untrue or reduce the amount of money they'll award you for your claim. It is important that you only speak to insurance adjusters with your attorney present.
Contact an attorney
The ability to access legal representation is crucial for those injured. Lawyers can assist injured parties deal with their stress and determine where they should concentrate their energy. Attorneys are also able to weigh the evidence and motor vehicle accident lawsuits facts to determine the merits of a case and whether it is worth fighting in court.
The insurance company is primarily an enterprise and their objective is to make as much money out of insureds as they can while making payments as minimal as possible (in the sense of). It may be tempting, if you're at the scene of an incident to accept a low-ball settlement offer as it's the simplest thing to do. This can have disastrous consequences in the future.
When you make an insurance claim the adjuster from your insurance company will come out to assess the damage to your vehicle and review receipts for personal property damages and medical bills. They may also interview witnesses and look over police reports. It is a good idea to get repair estimates from local auto shops or contractors prior to meeting with the adjuster, so they are aware of what to expect when it comes to repairs.
An experienced motor vehicle accidents vehicle accident attorney will ensure that all the required information is provided in a timely manner and that the proper documents are presented to an insurance company. He or she can provide advice and recommendations on how to handle the claims adjuster, on how to handle a settlement, and what to do in the event that an insurance company is unresponsive or acting in a way that is unethical.
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