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Tips For Filing a Car Accident Claim In states where there is no nofault insurance you could be required to sue the driver at a small claims court You should think about hiring an experienced lawyer in the field prior to taking this step The insurance company of the other side will investigate your claim to determine liability for the collision and provide compensation for your injuries car damage and other losses including pain and suffering The process usually involves the following steps Gathering Information Take photos of the vehicles involved in the accident Include auto accident attorney lawrence or damage These photos can help to prove that the incident occurred as you have described Additionally take photographs of the scene including any skid marks or debris that are present It is also important to get the names addresses and telephone numbers of eyewitnesses if possible They may be able later to testify as to what happened and who is responsible In some instances eyewitness testimony is the most important evidence in a lawsuit Make note of the insurance details of everyone involved in the wreck You will need to know the name of the insurance company along with the policy number and contact details as well as the license plate number and drivers name It is important to get this information as soon as you can to avoid issues or confusion later on Documentation of medical bills and treatment can be extremely valuable for an insurance claim Keep receipts for prescription medicines and other costs caused by the accident This can be used to support the damages you claim If you are unable work due to an injury you must keep all the lost wages Filing the Claim It is recommended to make a claim as soon after the accident as soon if you can This will allow the insurance company to review your paperwork and get to work This will ensure that you meet the New York law deadlines for filing your claim When filing a car insurance claim it is necessary to provide details about the accident and any injuries that you sustained as a result The information you provide will be used to calculate your damages which could include compensation for medical expenses lost wages property damage as well as pain and suffering The insurance company will also need to determine fault when necessary It is helpful to have the final police report available for this purpose However it is crucial to remember that determining fault isnt always straightforward Even if you believe the crash was your fault in certain cases other factors could have contributed New York for example is a state that has a comparative negligence system This means that the amount of damages you incur is reduced by the percentage of your fault The insurance company will assign an adjuster for cases Its a good idea have your lawyer with you during your conversation with the adjuster Theyll be able to offer an objective perspective and help you negotiate an acceptable settlement If youre not able to agree on a settlement thats satisfactory you may have be in court to obtain the compensation you are entitled to Inspecting the damages The insurance company will want to visit the scene of the accident to examine the accident for themselves Theyll likely interview you as well as any other participants involved in the accident speak to eyewitnesses and look over your vehicle They will also look over your medical records your expenses and lost wages to obtain a more precise picture of the accidents impact on you While you are waiting for the police take photographs with your mobile phone This will allow you to document skid marks locations of both vehicles their extent of damage as well as the presence of any obstructions If its safe you can exchange insurance and contact information with other drivers involved in the crash Note down the names addresses phone number insurance companys policy number and drivers license information of each person Also note the vehicles make year year and license plate number In the heat of the situation it might be tempting to point the finger at another driver But this could backfire angry remarks can be used against you in court So keep your cool and do not admit to any fault or guilt at the scene of the incident If possible its a good idea to keep the names and contact numbers of any witnesses who witnessed the collision Negotiating the Settlement Negotiating the settlement of a car crash claim can be stressful and stressful especially when youre dealing with medical bills and lost wages Fortunately the process can be made easier by hiring a knowledgeable lawyer to negotiate with the insurance company on your behalf An attorney will be able to better comprehend the law calculate your total damages and understand what to expect during settlement negotiations with an insurance company The first step in the settlement process is writing an offer letter that contains your request for the amount you need to pay for your injuries and expenses Your attorney can help to 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 car and injuries that were particularly severe your lawyer will make mention of these during negotiations Your lawyer will remind the adjuster of your damages for pain and suffering These are based on emotional distress and mental agony youve suffered due to the accident Insurance companies will treat your claim more seriously if employ an attorney to negotiate for a settlement on behalf you They may also offer a greater settlement If the insurance company refuses to provide a fair settlement your attorney will start a lawsuit and represent you in court
