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How to File a Motor Vehicle Claim If your vehicle is damaged in an accident youll submit an insurance claim It is essential to understand the process Insurance companies will send an adjuster to inspect your vehicle damage Its not always necessary to attend the inspection but you must bring your insurance policy along with any other relevant documentation Take Pictures Ever watch a crime show where investigators comb over every square inch of the scene and take photos of the tiniest detailfrom footprints to chocolate wrappers that have been tossed away Apply the same level of scrutiny to your accident scene It is crucial to keep as much information as you can about the incident at the time it occurs so you can be able to prove your case later on It is crucial to capture photos of both vehicles however you should also think about taking photographs of the damaged parts These photos can aid insurance companies as well as expert witnesses in determining the size of the various objects Take pictures of reference points for example the location of traffic lights or stop signs in your photos These can be used to determine the actions of the driver at blame for the crash If you can take pictures of the other driver and their passengers and witnesses You may be able to capture a photograph of their license plate Also take pictures of emergency responders and their vehicles and if you are placed on a gurney and then an ambulance snap a picture of that as well Do not submit the photos to the insurance company only when instructed by your attorney or required to do this by the court You could be knowingly giving evidence that is in opposition to your claim if you do not For instance if it is changed the date stamp on your photos after the incident it may make insurance companies doubt the validity of your claim Seek medical attention The first thing to do after an accident is to seek medical attention Not only is this important for your own health however it also ensures that any injuries you may have are documented A lot of personal injury claims involve seeking reimbursement for medical expenses and other damages This is why medical records are vital to the success of your claim Even if you are not experiencing any symptoms you should take a visit to your primary physician or an emergency room Your doctor can give you an evaluation of your injuries and perform a complete medical evaluation Furthermore they will be able to provide you with the necessary treatment Following the treatment plan of your doctor will help you to recover faster and strengthen the case This includes filling your prescriptions taking any overthecounter medicines taking part in physical therapy complying with orders about time off of work and attending followup appointments In this case it is crucial not to say anything that could be mistaken by an insurance adjuster This is because the insurance company could try to discredit your injuries in order to deny your claim or reduce the amount theyll pay you for your claim This is why it is recommended to not talk to any insurance adjusters unless you have an attorney present with you Contact an attorney Legal representation is crucial for those injured Attorneys can help them manage their stress and understand what they should be focusing on Attorneys are also able to weigh evidence and facts to determine the merits of a case and whether it is worth fighting in court Insurance companies are primarily businesses Their mission is to collect the most money from their insureds while giving out the least amount of money that is possible in the theory If you are at the scene of an accident it could be tempting to take the lowball offer at first because its the most convenient way to go This is a mistake that can have disastrous consequences later on When motor vehicle accident lawyer irvine file a claim with your insurance company an adjuster will come to your home to evaluate the damage to your vehicle They will also look over receipts for medical bills as well as personal property damages They may also interview witnesses and look over police reports It is usually helpful to obtain estimates for repairs from local contractors or auto shops before meeting with the adjuster so that they know what to expect when it comes to repairs An experienced motor vehicle lawyer can ensure that all required information is provided and that the proper documents are given to the insurance company He or she can provide advice and make recommendations on how to deal with the claims adjuster on how to handle a settlement and what to do if an insurance company is not responsive and is acting in a shady manner
