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How to Document a Motor Vehicle Claim
A motor vehicle claim is the process of submitting a claim with your insurance company after an accident. This report allows them to check your coverage and determine the amount they'll pay for damages.
You must make your claim as fast as possible following the accident. Make sure you have copies of the police report as well as your insurance card or declarations page available.
What to Do Following an Accident
Make videos and photos from different angles after an accident to document the accident. The scene may change quickly witnesses could leave, and evidence may vanish.
If you are able, take note of all drivers' names telephone numbers, addresses and insurance information. Note the year, model, and make of each vehicle, and any other vital information such as damage or license plate number.
Asking each driver if they were wearing seatbelts, if they had passengers along on the road, and identifying their gender and age is also helpful. In a majority of cases injuries caused by motor vehicle accidents do not become apparent for several days following the accident. This is why it is vital to seek medical attention promptly, even if you do not think you've suffered any injuries.
If you are able, move the vehicle out of traffic to prevent further injury or damage. Set up flares and reflective emergency triangles as well to stop other motorists from hitting you.
Report the accident to authorities if you are able to. Even if the accident seems minor, it's important not to fail to notify the police. The other driver could later claim that the accident never happened and their insurance company might not pay your claim.
Getting Started
An insurance claim is the process of letting your insurer that you have suffered a loss and soliciting them to cover it. This could mean the cost of repairs to a vehicle or medical expenses caused by an accident.
Before filing your claim, make sure that you have all of the necessary information, including contact information for everyone involved, any receipts for damaged personal property and any medical bills. Also, motor vehicle accident lawyer antioch should have the accident report, as well as photographs of any damage.
Your insurer will assign an adjuster for your case who will act as the head of your claim. They will review the documents you submitted as soon as they have learned of the incident and conduct their own investigation. This will enable them to determine what caused the accident and determine who was responsible.
Once they have a clear knowledge of what transpired the adjuster will examine the damage to your vehicle. You can be present at the inspection, or provide a list with repair estimates from local auto repair shops or contractors.
If your insurance company thinks that the damage to your vehicle is too costly to repair it will mail you a payment equal to the value of the car. You can use the money to purchase a new vehicle or to pay off your loan or lease. The filing of a claim could cause your insurance rates to increase, which is why it is important that you do everything you can to make sure the accident wasn't your responsibility.
Documenting the incident
If you're involved in a crash, recording the incident is essential. Insurance companies are seeking evidence that can support the claims you or others make. In reality the evidence taken and documented can determine the outcome of a case. It doesn't matter if it's photos of the scene of the accident as well as witness statements, or medical records that prove consistent treatment, it's vital to have all of the details.
When you are investigating the accident, be sure to write down the other driver's license number and vehicle information. Also, take the names and contact information of any witnesses. If you can take photographs or sketch a diagram of the scene of the accident. This will help you to understand what happened on the scene, and what caused the accident.
Documentation also includes details about the accident, such as the exact location of the incident and the direction of travel, and any other landmarks or areas. It is crucial to provide a description of any injuries sustained in the accident, as well. It is also important to record the extent of any damage that was sustained, and how it was caused. It is crucial to document the accident because over time memories fade and stories change. It's the best method to tell the truth. Even if it's your fault recording the facts will aid in determining the amount of liability that is due to your account.
Finding Help
Once the police report has been completed, contact your insurance company as soon as you can. Many insurers now let you file a claim from your smartphone or tablet. You should also ask your insurance provider to send you an estimate of the value of your car. This can be useful when you are planning to purchase a new vehicle and your current car is "totaled". You can pay off your loan and/or reduce your monthly payments in the event that you owe money on your vehicle.
Your representative will ask a series questions and send you a document to fill out. It is crucial to be honest and accurate when you provide information. It could weaken your case if you are found to have not provided accurate information.
If you've been injured by the accident, schedule an appointment with your physician right away to make sure that your bones are set correctly and that any other injuries are recorded to aid in the claim process. If you visit your doctor as soon as possible, you can also ensure that your medical costs are covered by accident-related benefits that are no fault.
You will need to file a suit if your insurance company declines your no-fault claim or if you plan to pursue damages for pain and suffering, or any other damages. If you decide to do this it is advisable to have an experienced lawyer by your side.