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In states with no-fault insurances, your insurer will pay for medical costs and lost wages regardless of who was at fault for the accident. They'll also be looking over documents and gather evidence (photos witnesses' statements, medical records and expense reports).
The amount of compensation that you receive will depend on the extent of your injuries and expenses. This article will walk you through the steps required to file an auto accident claim.
Report the Accident
If you're involved in a car crash It's essential to report the crash right away. In many states, this will be handled by local police, county sheriffs, state police or Department of Motor Vehicles.
If possible, take pictures of the scene of the crash. This can help you remember the incident as well as to help with your insurance claim. For instance, pictures can show skid marks, damage to vehicles or weather conditions, among other important details.
It's an excellent idea to collect the information of the other driver including their name as well as the insurance company. You should also ask for the driver's license and vehicle registration, if they are available.
It is important to note down what you saw and what transpired. Remember that memory is not reliable and if you fail to document what occurred and what happened, you could be at fault for any damages or injuries that are not evident later on. In addition, if do not report the accident the insurance company could refuse to pay for any damage that result from it. Review your policy or call your agent to inquire the requirements for filing an accident report.
Get Medical Attention
Following a car accident, you should seek medical treatment and be examined to determine if there are any injuries. You can prevent future complications by visiting your doctor as soon as you can. It could also help your case when negotiating with the insurer.
It is recommended to visit an emergency room in a hospital in the event that it is possible, after a car accident. This is because hospitals have access to most highly skilled surgeons, doctors, and medical supplies. It can be difficult for insurance companies and defense attorneys to minimize the severity of injuries that are treated at a hospital.
Injuries in car accidents can range from bruising to severe internal injuries, such as paralysis and brain trauma. Even if certain symptoms, like stiffness and pain don't show up immediately, it's important to go visit a doctor. These records will be vital in proving that you've suffered injuries resulting from the crash.
Our Denver car accident lawyers will use these medical records to construct a strong case showing that the driver at fault caused your injuries and you are entitled to fair compensation for your losses.
Take Pictures
Take pictures of the scene of the accident as soon as you can, ideally before the police arrive. If you can take pictures of the damage to each vehicle from different angles. If you are able to, take close-up shots of the vehicles and other evidence (such shattered glasses or airbags in use). If you're not able to take closeups, try placing an object, such as coins, into the picture for scale. You can also snap pictures without or with flash to show hidden details.
It is also important to take photos of any injuries you sustained during the accident. Scrapes, bruises and cuts will fade over time, so these photos will be a great proof of your injuries in the future. Additionally, it is recommended to take pictures of as many other pertinent details about the accident as you can (such as road signs, traffic lights and weather conditions, as well road debris) because these details could help paint a more detailed image of what transpired.
Contact Your Insurance Company
Contacting your insurance company is essential regardless of whether or not intend to file a claim for an auto accident. You may be required to do so under your policy, but even if you're not, your attorney will require the details of your losses in order to back up your claim (such as repairs and medical bills).
Luna says that you should collect all relevant information regarding the scene. This includes the information about your vehicle and any other drivers involved. Request to see the insurance card of the other driver and ensure you have their name address, number, and address and car insurance information (company and policy number). If witnesses are present, take their names and numbers.
While the first thing you'll want to do after a car crash is to argue with insurance companies It is crucial to remain calm. Any statements you make while emotions are high could be used against you later on. It's best to let an attorney handle the negotiations. They will be able to make sure that you don't say anything that could be later used against you.
Contact an attorney
An experienced attorney can assist you in navigating the insurance company to get an appropriate settlement. They will go through all medical records and bills and consult with doctors to determine the totality and the severity of your injuries. If you do not provide them with complete and accurate documentation, they will not give you a fair estimate.
You may be entitled to non-economic damages, like suffering and pain, in addition to the economic loss. If the other driver was found to have acted with a degree of gross negligence or recklessness, the court may award additional compensation, which is known as punitive damages.
If the at-fault driver fled the scene, you will have to report it to the police. Also, you should get the crash report from the police station or online. This is required to make a no-fault claim or a liability lawsuit. New York has very specific laws governing auto accidents and these rules are best explained by an experienced attorney.
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