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In states that have no-fault insurances, your insurer will pay for medical expenses and lost wages, regardless of who is at fault for the accident. They'll also want to collect evidence and look over documents (photos, witness testimonies medical records, as well as expense reports).
The amount of compensation that you receive is contingent on the severity of your injuries and the cost of your injuries. This article will guide you through the steps required to file an auto accident claim.
Report the Accident
It's essential to notify a car crash as soon as you can. In many states, you'll have submit the report to the local police department or county sheriff, the state police or Department of motor Vehicle Vehicles.
If you can, snap photos of the crash scene. This can help you recall what happened, and it could be useful for your insurance claim. For instance, photos could show skid marks, damage to vehicles or weather conditions, among other important details.
You should also collect the information of the other driver, like their name and insurance provider. If possible, you should also ask to see their driver's license and car registration.
It is also essential to record your personal report of the incident as well as what you saw and what happened. Remember, memory is unreliable and if you don't note what happened, you could be accountable for damages or injuries that aren't evident later on. In addition, if do not report the incident your insurance company could refuse to pay for any damage that result from it. Go through your policy, or contact your agent to inquire if you need to file an accident report.
Get Medical Attention
One of the first things you need do following a car collision is seek medical attention to be assessed for injuries. Making an appointment with a doctor as quickly as you can will help avoid any further complications and also increase your claim when it comes time to negotiate with the insurance company.
It is recommended to visit a hospital emergency room, in the event that it is possible following a car crash. This is because hospitals have access to the top surgeons, doctors, and medical supplies. Insurance companies and defense lawyers might find it difficult to limit the severity of injuries that are treated in the hospital.
Car accidents can result in injuries that range from minor bruising, up to severe internal injuries like the traumatic brain injury or paralysis. Even if you do not feel any symptoms initially in the form of pain or stiffness it is essential to see a doctor. The medical records will serve as critical evidence in proving your claim that you suffered injuries resulting from injury as a consequence of the crash.
Our Denver car accident lawyers will make use of the medical records to create a strong case showing that the negligence of the driver who was at fault for the crash caused your injuries and you are entitled to fair compensation for your losses.
Take Pictures
Take pictures of the scene of the accident as quickly as you can, ideally before the police arrive. If you can, take photos of all the damages to each vehicle from various vantage points. It is also important to take close-up pictures of the vehicles and any other critical evidence (such as broken glass or airbags deployed) in the event that you are able to do this. If you're unable get close-ups, consider placing objects, like a coin, in the picture to see how it scales. It's also helpful to take pictures with and without flash as different lighting conditions may reveal some hidden details.
It's also recommended to capture the injuries you sustained during the collision. Cuts, bruises and scrapes will fade with time, so these photos can serve as a valuable proof of your injuries later. It's also a good idea to take pictures of other details that are relevant to the accident (such as traffic signals, road signs weather conditions, road debris) because they will help you get a better understanding of what happened.
Contact Your Insurance Company
Contacting your insurance company is important, whether or not you intend to file a claim in the event of an auto accident. Your policy may require you make this call, and even in the event that it isn't, your attorney will require proof of your losses (like medical expenses and repair costs) to prove your claims.
In addition to collecting your own vehicle's information and identifying any other drivers involved in the accident, you should also collect any other relevant information you can at the scene, suggests Luna. Ask to see the insurance card of the other driver and ensure that you have their name, address, phone number, and car insurance details (company and policy number). If there are any witnesses, try to get their names and contact numbers too.
While the first thing you'll want to do after a car accident is argue with insurance companies It is crucial to remain calm. If you're emotionally charged, any statements you make can be used against you later on in the process. It is best to let an attorney manage the negotiations. They can ensure that you don't say something 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 look over all of your medical records and bills and consult with doctors to determine the full extent and severity of your injuries. Insurance companies won't offer the appropriate amount if they have not been supplied with full and accurate documents.
You could be entitled to non-economic damages, like pain and suffering, in addition to the economic losses. If the court concludes that the other driver acted with gross negligence or recklessness, it may award punitive damages.
If the at-fault driver fled the scene, you will have to report it to the police. You can also request a copy of a crash report at the police station or online. This is needed to file a lawsuit or a no fault case. New York has specific laws that govern auto accident lawsuits accidents. An experienced attorney can explain these rules.
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