How to File a Motor Vehicle Claim

If your vehicle is damaged in an accident, you will submit an insurance claim. It is important to understand the process.

An adjuster will be arranged by the insurance company to look over the damage to your vehicle. You don't always have to be present when an adjuster checks the damage to your vehicle, however you should bring along your policy and any relevant documentation.

Take Pictures

Have you ever watched a show where the investigators go through every square inch of the scene, taking photos of the tiniest of details, from footprints to discarded chocolate wrappers? Apply that same scrutiny to your accident scene. It is important to capture as much of the incident when it happens, so that you have something concrete to prove your case later.

Photographs of the damage to both vehicles is a must and you should consider taking close-ups of the damaged areas. They can help insurance companies and expert witnesses to determine the size of objects, including skid marks. Record reference points, such as the location of traffic lights or stop signs in your photos. These could later be connected to the at-fault driver's actions that caused the crash.

If you're able to, take photos of the other driver and their passengers, as well as any witnesses. You may be in a position to snap a photo of their license plate. Additionally, take photos of emergency responders and their vehicles. Lastly, if anyone is put on a gurney and then into an ambulance, snap a picture of that as well.

Do not submit the photos to the insurance company only when instructed by your attorney or ordered to do this by the court. You could accidentally give evidence that is against your claim if you do not. If you alter the date on your photos, the insurance company may be skeptical about your claim.

Seek medical attention

The first thing you should do following an accident is to seek medical attention. This is not only for your health, but as a way to ensure that any injuries are documented. A lot of personal injury claims require compensation for medical bills as well as other damages. This is why medical records are crucial to the success of your claim.

Even if you don't notice any signs that you could notice it is important to make an appointment with your primary medical doctor motor vehicle Accident attorneys or an emergency room. Your doctor will be able give you a complete medical assessment and will determine the severity of your injuries. Furthermore they'll be able to provide you with the necessary treatment.

Follow the doctor's treatment plan will allow you to recover faster and strengthen the case. This includes taking your prescribed medication and any over-the counter medications as well as participating in a physical therapy program, complying with the doctor's orders regarding time off work, and completing any subsequent appointments.

During this process, it is important not to say anything that could be mistaken by an insurance adjuster. The insurance company might try to discredit the damage that you've sustained in order to deny or reduce your compensation. It is important that you only speak to insurance adjusters with your attorney present.

Contact an attorney

Accessing legal representation is critical for injured parties. Attorneys can help injured parties manage their stress and determine where they should focus their energies. Attorneys can also evaluate the evidence and facts to determine the merits of a case and whether it is worth fighting in court.

The insurance firm is first and foremost a business, and their goal is to make as much money out of insureds as they can, while paying as little as possible (in the theory). If you're in the midst of an accident, it could be tempting to accept the low-ball offer at first because it seems the easiest way to go. This is a mistake that could cause a lot of damage later on.

When you submit a claim to your insurance company an adjuster will be sent at your home to assess the damage done to your vehicle. They will also look over the receipts for medical bills and personal property damages. They may also speak with witnesses and review records from the police. Before meeting with an adjuster, it is recommended to get repair estimates from local auto repair shops or contractors. This will let them understand what to expect with regards to repairs.

An experienced motor vehicle accident law firms vehicle accident attorneys (the advantage) vehicle lawyer can ensure that all the necessary information is in place and the right documents are provided to the insurance company. The attorney can also offer advice and suggestions on how to deal with an insurance adjuster, how to manage the settlement process and what to do when an insurance provider is not responsive or is acting in a way that is unethical.