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In states with no-fault insurance, your insurer will cover medical expenses as well as lost wages regardless of who's at fault for the accident. They'll also be looking over documents and gather evidence (photos, witness testimony, medical records and expense reports).
The amount of compensation that you receive is contingent on the extent of your injuries and expenses. This article will walk you through the steps to filing a claim for Auto accidents compensation from an auto accident.
Report the Accident
If you're involved in a car crash it's crucial to report the accident immediately. In many states, you'll need make this report to the local police department or county sheriff, the state police, or Department of Motor Vehicles.
If you can, snap photos of the crash scene. This will help you remember the details of what happened, and can be helpful for your insurance claim. For instance, pictures can show skid marks, vehicle damage as well as weather conditions and other important details.
You should also obtain the information of the other driver, for instance their name, insurance provider and even their address. If you can, also request to see the driver's licence and vehicle registration.
It is important to note down what you saw, as well as the events that occurred. Remember that memory isn't always reliable and if you don't write down what happened and what happened, you could be responsible for damages or injuries that aren't evident later on. If you do not report the incident, your insurance company may refuse to pay for any damage that result from it. You should check your policy or talk to your agent to inquire the requirements for filing an accident report.
Get Medical Attention
After a crash, you must seek medical care and be examined to determine whether there are any injuries. A visit to a doctor as soon as possible can help you avoid any further complications and can make your claim stronger when it comes time to negotiate with the insurance company.
It is best to visit a hospital emergency room, should you be able to, after a car accident. This is because hospitals have access to the most highly skilled surgeons, doctors, and medical supplies. It is often difficult for insurance companies and defense lawyers to downplay injuries sustained in the hospital.
Injuries sustained in car accidents could range from minor bruising up to severe internal injuries, including paralysis and brain trauma. Even if you don't experience any symptoms initially such as pain or stiffness it is crucial to see a doctor. These medical records will be crucial evidence to support your claim that you sustained injury-related injuries as a result of the crash.
Our Denver car accident lawyers will use these records to present a convincing argument that the actions of the at-fault driver caused your injuries and that you are entitled to fair damages for your injuries.
Take Photos
Take pictures of the accident scene as soon as you can, ideally before the police arrive. If you can take pictures of the damaged vehicle from different angles. If you can, take close-up shots of the vehicles and other evidence (such broken glasses or airbags deployed). If you can't get closeups of the vehicles then place an object like an empty penny in the photo to give it scale. It's also helpful to take photos with and without flash as different lighting conditions could reveal the hidden details.
It is important to take photographs of any injuries you suffered from the accident. The scrapes, scratches and bruises will fade with time, so these photos can be used as evidence of your injuries in the future. Additionally, it is recommended to take pictures of all other relevant details of the incident as possible (such as road signs, traffic lights, weather conditions and road debris) in order to help paint a more detailed picture of what happened.
Contact Your Insurance Company
No matter if you're planning to file a car accident claim, it's crucial to contact your insurance company as soon as you can. Your policy may require you to make this call, and even if it does not, your attorney will require documentation of your losses (like medical expenses and repair costs) to prove your claim.
Besides getting your own vehicle's information and identifying the other drivers involved in the incident, you should also collect any other relevant information you can at the scene, says Luna. You should ask for the other driver's insurance card and make sure you have their name address, number, and address and car insurance information (company and policy number). If there are witnesses, you should try to get their names and contact details too.
While the most unintentional thing you'll ever do after a car accident is to argue with insurance companies it is essential to remain calm. If you are emotional, any statements you make can 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 with navigating the insurance company and negotiate an appropriate settlement. They will go over your medical bills and other records and will often consult with a physician to provide an opinion as to the full extent of your injuries. Insurance companies won't offer the appropriate amount if they have not been provided with complete and accurate documentation.
You could be entitled to non-economic damages, like suffering and pain in addition to the economic losses. If the other driver was found to have acted with a degree of gross recklessness or negligence the court can award additional compensation, which is known as punitive damages.
If the driver at fault fled the scene, you will be required to report the incident to the police. You can also get an exact copy of a crash report at the police precinct or online. You'll need it to file a no fault claim or a liability lawsuit. New York has very specific laws governing auto accidents and these rules are best explained by a knowledgeable attorney.
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