Tips For Filing a Car Accident Claim

In states that have not adopted no-fault insurance, you might be required to file a lawsuit against the other driver in a small claims court. Before taking this step you should speak with an experienced attorney for accidents.

The insurance company of the other party will investigate your claim and determine the liability for the collision. They will then award compensation for your injuries and vehicle damage, and also for expenses such as pain and suffering. The process usually involves the following steps.

Gathering Information

If you're able to do so at the scene of the collision while you are still in a safe place to do so, take pictures of all vehicles involved in the accident including the damage, as well as any injuries sustained. Taking these photographs could help to prove that the incident occurred as you've described. Photograph the site of the Auto accident lawsuits, including any skidmarks or debris.

It is also vital to collect the names, addresses, and telephone numbers of witnesses, if possible. They may be able testify later as to what caused the accident and who was at fault. In some cases eyewitness testimony could be the most valuable piece of evidence in the case.

Make note of the insurance details of all those involved in the wreck. You will need to know the name of the insurance company and the policy number and the contact information along with the license plate number and driver's name. This information should be obtained as soon as you can to avoid confusion or disputes later.

Documentation of medical bills and treatment is also very useful in an insurance claim. Maintaining receipts for prescription pain medication and other expenses related to the crash could be helpful in proving the damages claimed in the claim. Also, Auto Accident Lawsuits if you are in a position of being unable to work because of your injuries, it's essential to keep records of the wages you lost.

Claim Form

If you're able to file a claim it's recommended to make your claim as soon as you can following the accident. This allows the insurance company to review your claim and get started. This ensures that you're in compliance with the New York law deadlines for filing your claim.

When filing a car insurance claim, you'll need to provide details about the accident as well as any injuries you suffered as a result. The information you provide will be used to calculate your damages, which could include compensation for medical bills, lost wages property damage, and the pain and suffering.

If it is necessary the insurance company will have to determine who is at fault. It is helpful to have the final police report to assist in this. However it is essential to remember that determining fault isn't always easy. In some instances even if you believe the accident was your fault, other factors could have contributed to the accident. For instance, New York is a comparative fault state which means that your damages will be reduced by your percentage of fault.

The insurance company will assign an adjuster for case. It's recommended to have your lawyer with you when you speak to the adjuster. They'll give you an objective perspective and help you negotiate an acceptable settlement. If you're unable to find a solution that is acceptable, you may have to take your case to court to obtain the compensation you are entitled to.

Examining the Damages

The insurance company will visit the scene of the accident to examine the accident for themselves. They'll likely interview you and any other participants in the accident, talk to eyewitnesses and look at your vehicles. They will also review your medical records, your expenses and lost wages to get an understanding of how the auto accident attorneys affected you.

While you wait for the police to arrive, take photographs with your mobile phone. This will help document skid marks, the location of both cars, the severity of damage, and the presence of any obstructions.

If you are sure, you can exchange insurance and contact information with the other drivers involved in the crash. Note down the name, address, telephone number, insurance company, policy number, and driver's licence information for each person. Note the car's make year, model and license plate.

In the midst of the situation, it might be tempting to blame another driver. But, this could backfire. Keep your cool and don't acknowledge fault or guilt. It is also an excellent idea to collect the names and telephone numbers of eyewitnesses who witnessed the collision, if you can.

Negotiating the Settlement

The process of negotiating the settlement of a car crash claim can be stressful and a bit frustrating, especially when you're dealing with the cost of medical bills and lost wages. Hiring an experienced lawyer to negotiate on behalf of you with the insurance company can speed up the process. An attorney will have a better knowledge of the law and how to calculate your total loss and damages and what to expect from an insurance company in settlement negotiations.

The first step is to compose an official letter of demand that includes the amount you want to pay for your injuries and expenses. Your attorney can help in compiling this information, and include any documents to support your demand. If you provided photos of your car or injuries that were particularly serious to the insurance adjuster, your lawyer will mention them during negotiations. Additionally, your lawyer will remind the adjuster of your pain and suffering damages which are based on the emotional distress and mental anguish you have suffered because of the accident.

Insurance companies will take your claim more seriously if you employ an attorney to negotiate an agreement on behalf of you. They will also offer a greater settlement. Your lawyer can start a lawsuit if the insurance company refuses a fair settlement.