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How to Document a Motor Vehicle Claim A motor vehicle claim is the procedure of filing a claim with your insurance company following an accident This allows them to examine your coverage and decide the amount they will pay for any damages Youll need to file your claim as soon as you can after the incident You will need to have the police report as well as your insurance card or declaration pages What should you do after an accident Take photos and videos from different angles immediately after an accident to record the accident The scene may change quickly witnesses could leave and evidence could disappear If motor vehicle accident lawyer springfield record all drivers names and phone numbers addresses and insurance information Also make note of the year and make and model of each vehicle and any other important information such as damage and license plate numbers It is also helpful to ask each driver if theyre wearing seatbelts or if they had passengers and to note their gender and age In a lot of cases the injuries that result from motor vehicle accidents dont show up until just a few days following the accident It is essential to seek medical attention immediately even if it seems that you are not injured If you are able move the vehicle away from traffic to prevent further injury or damage Also put up flares or reflective emergency triangles to prevent other drivers from hitting them Inform the authorities if you can This is a must even if you believe it was not a big deal as the other driver could later 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 process of letting your insurer know about a loss and asking them to pay for it This could include paying for damages to a car or covering medical expenses due to an accident Be sure to collect all the relevant information prior to making your claim This includes the contact information for every person involved receipts for any damaged personal property as well as any medical bills Also you should have a copy of the accidents report and photos of any damages Your insurer will assign an adjuster to your claim who will act as the primary contact for your claim They will review all the details youve provided right after the accident and conduct their own investigation This will help them determine what caused the accident and determine who was responsible for the accident Once they have a full understanding of what happened your adjuster will inspect the damage to your vehicle You may be present at the inspection or you can give a list of repair estimates from local auto shops or contractors If the insurance company thinks that the damage to your vehicle is too costly to fix they will issue you a check for the value of your vehicle This will permit you to buy a new vehicle or use it to pay for the remaining loan or lease payment If you file a claim your insurance premiums could rise Do all you can to prove that the accident wasnt your fault Documenting the incident Documenting an accident is essential when youre involved Insurance companies are looking for documents to back up claims made by you or others In fact the evidence recorded and gathered can make or break a case Its important to have all the relevant information whether its photos of the scene at the accident witness statements or medical records showing consistent treatment Write down the license number and details of the driver at the time of the accident Write down the names and contact details of witnesses If possible try to take pictures or create diagrams of the accident scene This will help you understand what transpired on the scene of the crash including the reasons for it Documentation should also contain details about the accident This includes the place of the accident the direction of travel and any relevant landmarks It is crucial to provide a description of any injuries suffered as well Its also important to note any damage and how it occurred It is essential to record the accident because as time passes memories fade and stories change Its the best way to be able to tell the truth Even if youre at fault Documenting the facts will aid in determining the amount of liability that should be attributed to your account Get Assistance Once the police report is completed contact your insurance company as quickly as possible A lot of insurers allow you to make a claim through your tablet or phone You should also ask your insurance provider to send you a check for the value of your vehicle This will help you in the event that your vehicle is totaled and you are planning to purchase a brand new one If you still have an outstanding loan on your current vehicle it will be able to pay off the balance andor reduce your monthly payment Your representative will ask you a series of questions and will send you a document to fill out Its important to provide the information in a timely manner and to be honest at all times It could sour your case should you be found to have not provided accurate information If youve been injured in the accident schedule an appointment with a doctor immediately to ensure that any bones are placed correctly and that any other injuries are documented for the claim process The sooner you see a doctor the better also ensures that medical costs are covered by the accidents NoFault insurance Youll need to file a lawsuit when your insurance company denies your nofault claim or if you intend to pursue damages for pain and suffering or any other damages If you do this then its best to have an experienced lawyer by your side
