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How to Document a Motor Vehicle Claim A motor vehicle claim is the procedure of submitting a report with your insurance company after an accident. This report will allow them to review your insurance coverage and determine the amount they will pay for damages. You must file your claim as quickly as you can following the accident. You will need to have the police report as well as your insurance card or declarations pages available. What to Do Following an Accident Photographs and videos should be taken from various angles following an accident to record the incident. The scene could change rapidly witnesses may leave, and evidence may disappear. If you are able, take note of all driver's names telephone numbers, addresses and insurance information. Also make note of the year and make and model of each vehicle and any other important details such as damage and license plate numbers. Asking each driver whether they wore seatbelts, if passengers were riding along with them, and noting their gender and age is also helpful. Often, injuries in motor vehicle accidents are not evident until a day or two after the accident. This is why it's important to seek medical attention as soon as possible even if think you've suffered any injuries. If you're able to remove vehicles from the way to avoid further injuries or damages. Set up flares and reflective emergency triangles as well to prevent other drivers from hitting you. Make sure you make a report to the police, if possible. Even if it appears to be minor, it's crucial to report it to police. The other driver could later deny that the accident occurred and their insurance company could refuse to pay your claim. Getting Started An insurance claim is the process of letting your insurer know about a loss and soliciting them to cover it. This can include paying for damage to a car or medical expenses caused by an accident. Be sure to gather all the relevant information prior to making your claim. This includes contact information for each person involved, receipts for any damaged personal property, and any medical bills. motor vehicle accident attorneys centennial should also have an original copy of the accident's report and photographs of any damages. Your insurer will assign a claim adjuster who will be the person responsible for your claim. They will scrutinize all the details you've gave them immediately following the accident, and conduct an investigation of their own. This will allow them to determine what caused the accident and who is responsible. Your adjuster will assess your vehicle once they've determined the extent of the damage. You may be present during the inspection, or you can give a list of repair estimates from local auto shops or contractors. If your insurance company is of the opinion that your car's damage is too costly to fix it will send you a check equivalent to the value of the car. You can use the money to purchase a new car or to pay off your loan or lease. Making a claim can increase your insurance premiums. increase, so it's vital to do everything you can to ensure that the incident was not your blame. Documenting the Incident Documenting the accident is vital in the event that you're involved. Insurance companies are looking for documentation which supports the claims you or other parties make. Evidence that is collected and documented can determine the majority of cases. In the event that it's photos of scene of the accident and witness statements or medical records that prove the same treatment, it's essential to have all of the information. When you are investigating the collision, be sure to write down the license number of the other driver as well as the details of the vehicle. Also, record the names and contact information of any witnesses. If you can, make photos or diagrams of the accident scene. This will help you comprehend what happened on the scene, as well as what caused the accident. The documentation also provides details about the accident, such as the location where it occurred along with the direction of travel, and any landmarks or other relevant areas. It's important to include a description of any injuries that were sustained in the accident, as well. It's also important to note any damage, and how it happened. Documenting the accident is essential because over time, memories fade, and stories may change. It's an excellent way to reveal the truth. Even if it's your fault, having the facts documented will assist in determining how much liability and responsibilities should be transferred to you. Assistance Contact your insurance company as quickly as possible after the police report has been filed. A lot of insurers allow you to submit a claim via your phone or tablet app. You should also request that your insurance company send you an invoice for the value of your car. This will help you in the event that your vehicle is “totaled” and you are planning to buy a new one. You can pay off your loan and/or lower your monthly payment when you still owe money on your vehicle. Your representative will ask you a series of questions and will send you a form to fill out. It's important to provide the information accurately and be honest at all times. It could hurt your case should you be found to have not provided accurate information. If you have been injured in an accident, make an appointment to see your doctor as soon as possible. This will ensure that any broken bones are properly set and that all other injuries are documented. Getting to the doctor soon also ensures that medical costs are covered by the accident's No-Fault benefits. If your No-Fault claim is rejected by the insurance company or you'd like to pursue a liability claim for the pain and suffering of others or any other damages, you'll have to file a suit. If you do this then it's best to have a seasoned lawyer by your side.