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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 following an accident The report will allow them to examine your coverage and decide the amount they will pay out for damages You must make your claim as soon as possible following the accident motor vehicle accident law firm muncie will need to have the police report and your insurance card as well as declaration pages What to do following an Accident As soon as you notice a collision capture photos and videos from different angles to capture the accident The scene could change rapidly witnesses may leave and evidence may disappear Then collect all the drivers names and addresses as well as phone numbers and insurance information and insurance policy numbers if possible Also make note of the year and model and make of each car along with any other important information such as damage and license plate numbers Asking each driver whether they were wearing seatbelts if they had passengers along on the road and identifying their gender and age is also useful Most injuries from motor vehicle accidents dont become evident until a day or two after the accident It is crucial to seek medical attention as soon as you can even if you think that youre not hurt If youre able move vehicles out of traffic to avoid any further damage or injuries Also install flares or reflective emergency triangles to keep other drivers from hitting them Report the accident to authorities if you can It is crucial to report the incident even if you believe it was minor because the other driver could claim that the accident was not their fault and their insurance company could refuse to pay your claim Getting Started An insurance claim is the procedure of letting your insurance company know about a loss and asking them to compensate for it This may include paying for damage to a car or medical expenses that result from an accident Before you file your claim make sure you have all the information you require to file your claim including contact information for all those involved receipts for damaged personal property and any medical bills You should also have the accident report as well as photographs of any damage Your insurer will assign a claim adjuster who will be the person in charge of your claim They will examine all the information you provided right after the accident and conduct their own investigation This will help them determine the cause of the accident and who was at fault Once they have an complete knowledge of what transpired the adjuster will examine the damage to your vehicle You may be present during the inspection or you can give a list of repair estimates from local auto repair shops or contractors If the insurance company decides that your cars damage is too expensive to repair the damage they will issue you a check that is equal to the value of the car You can use the funds to purchase a brand new car or to pay off your loan or lease Making a claim can increase your insurance premiums rise so its important that you do everything you can to ensure that the accident wasnt your fault Documenting the Incident If youre involved in a collision documenting the accident is essential Insurance companies are seeking evidence which supports the claims you or other parties make In fact the evidence taken and documented can determine the outcome of a case In the event that its photos of scene of the accident and witness statements or medical records showing the same treatment its essential to have all the details When you are investigating the accident be sure to note down the license number of the other driver as well as the details of the vehicle Also record the names and contact details of any witnesses If you are able take pictures or draw a diagram to illustrate the scene of the accident This will help you to comprehend what happened on the scene and what caused the accident The documentation also provides details about the incident including the location of the accident the direction of travel as well as any landmarks or other pertinent areas It is important to provide a description of any injuries that were sustained in the accident as well Its also important to note any damage and how it occurred It is important to document the incident as memories may fade over time and stories may change Its the best way to reveal the truth Even if its your fault taking note of the facts can help determine the amount of responsibility that should be assigned to your account Finding Help Once the police report is completed contact your insurance company as soon as you can A lot of insurers let you make a claim by using an app for your tablet or phone It is also advisable to ask your insurance provider to send you an amount for the value of your vehicle This will help you if your vehicle is considered totaled and you plan to purchase a new vehicle You can pay off your loan andor reduce your monthly payments when you still owe money on your vehicle Your representative will ask you questions and provide you with documents to complete It is important to always be honest and exact in the information you provide If you are found to not have given precise information it can make your case more difficult If you are hurt in the accident schedule an appointment with a doctor right away to make sure that any bones are set correctly and that any other injuries are documented for the claim process Making an appointment with your doctor as soon as possible will ensure that your medical costs are covered by the accidents No Fault benefits Youll have to file a suit in the event that your insurance provider denies your nofault claim or if you want to seek compensation for pain and suffering or any other damages If you decide to file a lawsuit then its best to have a seasoned lawyer by your side
