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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 after an accident This report allows them to examine your coverage and decide the amount they will pay out for damages You must file your claim as quickly as you can following the incident Be sure to have a copy of the police investigation report as well as your insurance card or declarations page available What to do after an Accident Following a collision take photos and videos at different angles to document the accident The scene may change quickly witnesses may leave and evidence could disappear If possible collect all drivers names as well as their phone numbers addresses and insurance information Also keep track of the year model and make of each vehicle as well as any other important details such as damage and license plate numbers It is also helpful to ask every driver if theyre wearing seatbelts or had passengers and also note their gender and age In many instances the injuries that result from motor vehicle accidents do not become apparent for some days after the incident It is crucial to seek medical attention immediately even if you think that you are not injured If you are able to move the vehicle away from traffic to avoid further damage or injury Also make sure you have flares and reflective emergency triangles in order to deter other drivers from hitting them Ensure that you report the accident to the police if possible Even if it appears minor it is important not to fail to notify the police The other driver could later deny that the collision took place and their insurance company could refuse to pay your claim Getting Started A claim is the process by which you inform your insurer of a loss and ask them for it This could include paying for damage to a car or a medical expense due to an accident Be sure to gather all the necessary information before filing your claim This includes the contact information of each person involved receipts for damaged personal property as well as any medical bills Also you should have the accident report as well as photos of any damage Your insurer will assign an adjuster to your claim who will serve as the head of your claim They will review the information you have gave them immediately following the accident and conduct their own investigation This will allow them to determine what caused the accident and who was at fault After they have a complete knowledge of what transpired your adjuster will inspect the damage to your vehicle You may be present at the inspection or you can provide a list with repair estimates from local auto repair shops or contractors If the insurance company decides that the damage to your vehicle is too costly to repair it will send you a payment equal to the value of the car You can use the money to buy a new car or to pay off your loan or lease If you submit a claim your insurance rates could rise Do everything you can to prove that the accident wasnt caused by you Documenting the incident If youre involved in a collision documenting the incident is critical Insurance companies will search for evidence to back up claims made by you or others In fact the evidence that is recorded and gathered can make or break a case Whether its pictures of the scene of the accident or witness statements or medical records that show the same treatment its essential to have all of the details When you are investigating the accident be sure to record the drivers license number and vehicle information Also take the names and contact details of any witnesses If possible take pictures or create diagrams of the accident scene This will help in describing what transpired at the scene of the crash as well as the reasons for it Documentation should also contain details regarding the incident This includes the location the direction of travel and any pertinent landmarks Include a description of the injuries sustained Its also crucial to note the severity of any damage and the way it was caused It is important to document the incident because memories can fade over time and stories may change Its the best way to tell the truth Even if youre not at fault Documenting the facts will aid in determining the amount of liability that is due to your account Assistance Contact your insurance company as soon as you can after the police report has been filed Many insurers are now letting you make a claim through your smartphone or tablet You should also ask your insurance company to send you a check for the value of your vehicle This can be useful if you plan to buy a new car and your current car is totaled If you still have an outstanding loan on your current vehicle this will help pay off the balance andor lower your monthly payment Your representative will ask you several questions and send you documents to complete It is important to provide the information accurately and be honest at all times If you are found not to have provided accurate information it could make your case more difficult If you are hurt during the accident set an appointment with a doctor right away to make sure that your bones are set correctly and that any other injuries are recorded to aid in the claim process If you visit your doctor as soon as possible you can also be sure that your medical expenses are covered by nofault insurance for accidents If motor vehicle accident lawsuit lake charles Fault claim is rejected by the insurance company or youd like to pursue a liability claim for suffering and pain or other damages you will have to file a lawsuit If you decide to do this its a good idea to have a seasoned lawyer on your side
