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How to File an Auto Accident Claim In states that have no fault, your insurance company will cover medical expenses and lost wages, regardless of who was at fault for the incident. They'll also want to review documents and gather evidence (photos, witness testimony medical records and expense reports). The amount you receive depends on the severity of injuries and the amount of expenses. This article will guide you through the steps required to file an auto accident claim. Report the Accident If you're involved in a car accident it is crucial to report the accident away. In many states, you'll need make this report to the local police department or county sheriff, state police, or Department of Motor Vehicles. If possible, take pictures of the scene. This can aid in remembering the accident and also to support your insurance claim. For instance, photos can show skid marks, damage to vehicles as well as weather conditions and other important details. It is also important to obtain the details of the other driver, for instance their name, insurance provider and even their address. Also, auto accident law firm boulder should request their driver's license and car registration, if possible. It is also important to record what you saw and what happened. If you don't record what happened, you may be held liable for injuries or damage that later becomes apparent. If you do not notify your insurance company, they may refuse to cover any damages that result from the accident. Review your policy or call your agent to find out if you need to file an accident report. Seek medical attention One of the first things you need do following a car collision is to seek medical attention and be examined for injuries. You can prevent future complications by seeing a doctor as quickly as possible. It can also strengthen your case when you negotiate with the insurance company. If you can, try to go to the emergency room of a hospital following an 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 minimize the severity of injuries that are treated at hospitals. Injuries in car accidents can range from bruising to severe internal injuries, like traumatic brain injury and paralysis. Even if certain symptoms, such as stiffness or pain, don't appear immediately it's essential to see a physician anyway. These records will be crucial in proving you've suffered injuries as a result of the crash. Our Denver car accident lawyers will utilize these records to establish a convincing case that the actions of the at-fault driver caused your injuries and that you should be awarded fair compensation for your injuries. Take Pictures Photograph the scene of the accident as fast as you can, ideally before the police arrive. If you're able capture images of the damage on each vehicle from various angles. If you're able, snap photos of the vehicle in close-ups as well as other evidence (such shattered glasses or airbags deployed). If you're not able to get closeups, try placing objects, like coins, into the picture to see how it scales. It is also helpful to take pictures with and without a flash, because different lighting conditions can reveal hidden details. It is also a good idea to photograph any injuries you may have sustained during the crash. Scrapes, bruises and cuts will fade with time, and the photos will serve as valuable evidence of your injuries in the future. Also, it's recommended to take pictures of as many other relevant details about the accident as you can (such as road signs, traffic lights or weather conditions, as well as road debris) because these details could help paint a more complete image of what transpired. Contact Your Insurance Company No matter if you're planning to file a claim, it's crucial to contact your insurance company as soon as you can. Your policy could require you to take this step, but even if it does not, your attorney will require records of your losses (like medical charges and repair costs) to prove your claim. In addition to obtaining your vehicle's information and identifying any other drivers involved in the incident You should also gather any other relevant information at the scene, suggests Luna. Inquire about the insurance card of the driver who was involved in the accident and ensure that you have their name, address, contact number, and details about their car insurance (company or policy numbers). If there are witnesses, try to obtain their names and contact numbers as well. It's crucial to remain calm even although the last thing you would want to do after an accident is argue with insurance companies. The statements you make when emotions are high could be used against you in the future. This is the reason it's recommended to hire an attorney to manage negotiations. They can make sure you don't say anything that can later be used against you. Contact an attorney An experienced attorney can help you in negotiations with the insurance company in order to get an equitable settlement. They will go through all of your medical records and bills, and talk to doctors to determine the full extent and extent of your injuries. Insurance companies are not able to give you a fair amount if they aren't provided with complete and accurate evidence. You may be entitled non-economic damages like suffering and pain, in addition to your economic losses. If the court concludes that the other driver acted with gross negligence or recklessness it could decide to award punitive damages. You should notify the police if the motorist at blame fled the scene. You can also get an original copy of the crash report from the police station or online. You will need this to make a no-fault claim or a liability lawsuit. New York has very specific laws governing auto accidents. These laws are best explained by a knowledgeable attorney.