Tips For Filing a Car Accident Claim

In states where there is no no-fault insurance you could be required to sue the driver in a small claims court. You should consider hiring an experienced accident lawyer before making this decision.

The insurer of the other party will examine your claim and determine liability for the collision. They will then award compensation for your injuries and vehicle damages as well as damages such as pain and suffering. The process typically involves the following steps.

Gathering Information

Photograph the vehicles involved in the collision. Include any damage and injuries. These photos will help verify that the accident occurred in the manner you described it. Also, take pictures of the accident scene itself including any skid marks or debris that are visible.

If you can, it is essential to get the names, addresses and phone numbers from eyewitnesses. They could be able provide evidence later on as to what caused the accident and who was at fault. In certain cases eyewitness testimony is the most important evidence in a case.

Make note of the insurance details of all the parties involved in the wreck. You'll need the name of the insurance company and the policy number and the contact information as well as the license plate number and driver's name. These details should be obtained immediately to avoid any confusion or disputes later on.

Documentation of medical expenses and treatment is also very useful for a claim. In keeping receipts for prescription pain medication and other expenses related to the accident could help support claims for damages in the claim. Also, if you are disabled from work because of injuries, it's essential to keep the track of your wages lost.

Filing the Claim

If you are able to file a claim you should make your claim as soon as you can following the auto accident law firm. This gives the insurance company an opportunity to go through all of your paperwork and get to work. It also ensures that your claim is in compliance with the deadlines set by New York law.

You'll need to give details about the auto accident Law firms and any injuries you sustained. The information you provide will be used to calculate your damages which may include compensation for medical bills, lost wages, property damage, and pain and suffering.

If it is necessary the insurance company will need to determine who is at fault. The final police report can be useful for this. It is important to keep in mind that determining the cause of the crash isn't always a simple task. Even if you believe the accident was your fault in certain cases, other factors may have contributed. For example, New York is a comparative fault state, which means that your damages will be reduced based on your percentage of fault.

The insurance company will assign an adjuster for case. It's a good idea to bring your lawyer along when you speak to the adjuster. They can provide an impartial view and assist you negotiate a fair settlement. If you're unable reach a settlement that is satisfactory, you may have be in court to get the money you deserve.

Examining the damage

They will want to visit the accident scene to see the scene for themselves. They'll likely speak with you and the other parties involved in the crash and talk to witnesses and examine your vehicles. They will also examine your medical records, expenses, and lost wages to have a better understanding of the impact of the crash on you.

While you are waiting for the police to arrive, snap pictures with your phone. This will allow you to record skid marks, the location of both cars and their degree of damage, as well as the presence of any obstructions.

If it's safe you can exchange insurance and contact information with the other drivers involved in the accident. Note down each person's name, address, telephone number and the insurance company's policy numbers, and driver's license information. Note the car's make year, model and license plate number.

It may be tempting to blame another driver in the heat of the moment, but this can backfire. Angry remarks could be used against you in court So, keep your cool and do not admit to any guilt or blame at the scene of the accident. It is also a good idea to gather the names and contact numbers of witnesses who witnessed the accident, if they are able to.

Negotiating the Settlement

Negotiating a settlement for a car accident can be difficult, especially if you have to deal with medical bills and lost income. Hiring an experienced lawyer to negotiate on your behalf with the insurance company could make the process easier. An attorney will be able to better comprehend the law, calculate the total amount of damages you have suffered and be aware of what to expect during settlement negotiations with an insurance company.

The first step is to write an official letter of demand that includes the amount you need to pay for your medical expenses and other injuries. Your lawyer can assist you compile this information and include any other relevant documents that support your request. For example, if you have provided the insurance adjuster with photographs of your vehicle and injuries that were particularly serious, your lawyer will mention the photos during negotiations. Your lawyer will remind the adjuster of your pain and suffering damages. These are based on emotional distress and mental pain you've suffered due to the accident.

Insurance companies will consider your claim more seriously if you employ an attorney to negotiate a settlement on behalf of you. They will also give you a higher settlement. If the insurance company refuses to offer a fair settlement, your attorney will start a lawsuit and advocate for you in court.