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Tips For Filing a Car Accident Claim

In states with no-fault insurance you may have to sue the driver at a small claims court. Before you take this action it is recommended to consult an experienced accident lawyer.

The insurance company for the other party will investigate your claim to determine the liability for the collision and compensate you for your injuries, car damage and other losses, such as pain and suffering. The process usually involves the following steps:

Gathering Information

If you're able to do this at the scene of the crash while it is safe you should take photos of all the vehicles involved in the crash including the damage as well as any injuries that were sustained. These photographs will verify that the accident occurred in the manner you described. Also, take pictures of the accident scene itself, including any skid marks or debris that are visible.

If possible, it is important to obtain the names, addresses and phone numbers of eyewitnesses. They might be able later to testify as to what transpired and who was accountable. In some cases eyewitness testimony is the most reliable evidence in a lawsuit.

Make note of the insurance details of all those involved in the wreck. You'll need to know the name of the insurance company, the policy number, and contact details along with the license plate number and driver's name. In the event that you can get this information as quickly as possible can avoid disputes or confusion later on.

Documentation of medical bills and treatment can also be very valuable for the purpose of submitting a claim. In keeping receipts for prescription painkillers and auto accident law Firm other expenses caused by the crash could be helpful in proving the damages outlined in the claim. If you are disabled from work because of your injuries, it is important to keep records of the wages you lost.

Claim Form

It is recommended that you make a claim as soon after the incident as you can should you be able to. This gives the insurance company an chance to review all of your documents and begin work. It will also ensure that your claim will be processed within the deadlines stipulated by New York law.

You'll need to provide specifics about the accident including any injuries you may have sustained. The information you provide will be used to calculate damages, including compensation for medical expenses, lost wages, property damage as well as pain and discomfort.

If needed the insurance company will need to determine who is to blame. It is beneficial to have the final police report to aid in this process. However it is important to remember that determining fault isn't always easy. Even if you believe the accident was your fault in certain circumstances, other factors could have contributed. For example, New York is a state with a comparative fault, which means that your damages will be diminished by the percentage of fault you have.

The insurance company will assign an adjuster to your case. It's recommended to have your lawyer with you while you speak with the adjuster. They'll give you an objective view and help you negotiate a fair settlement. If you are unable to reach an acceptable settlement, it could be necessary to go to trial to get the money you're due.

Inspecting for Damages

They'll want to visit the scene of the accident to witness the scene for themselves. They'll probably question you and the other people involved in the Auto accident law firm, talk with witnesses and inspect your vehicles. They will also review your medical records, expenses and lost wages in order to get a clearer picture of the effect that the accident had on you.

While you wait for the police to arrive at the scene Take pictures with your cell phone. This will help document skid marks, the locations of both vehicles and the extent of damage, and the presence of any obstructions.

If it's safe, you can exchange insurance and contact information with the other drivers involved in the auto accident attorney. Note down the names, addresses, phone number, insurance company's policy number, and driver's license information of each driver. Also note the car's make year, year and license plate number.

It's tempting to point fingers at another driver in the heat of the moment but this could end up backfiring. Keep your cool and avoid admitting fault or guilt. It is also an excellent idea to collect the names and contact numbers of witnesses who witnessed the collision, if possible.

Negotiating the Settlement

Negotiating the settlement of a car accident claim can be difficult and frustrating, especially when you're faced with the cost of medical bills and lost wages. Fortunately the process can be expedited by hiring an experienced lawyer to negotiate all negotiations with the insurance company on your behalf. An attorney can better understand the law, calculate your total damages, and know what to expect during settlement negotiations with an insurance company.

The first step is to write a demand letter that includes the amount you want to pay for your medical expenses and other injuries. Your attorney can assist you in compiling the information, and also include any other relevant documents to support the request. If you sent photos of your vehicle or injuries that were especially severe to the insurance adjuster, your lawyer would be sure to mention them during negotiations. Your attorney will remind the adjuster of your pain and suffering damages. These are based on emotional distress and mental agony you've suffered as a result of the accident.

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