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Tips For Filing a Car Accident Claim In states that have not adopted nofault insurance you might need to sue the other driver in small claims court You should consider retaining an experienced accident lawyer prior to making this decision The insurance company of the other party will investigate your claim to determine liability for the collision and pay compensation for your injuries car damage and other losses such as pain and suffering The process typically involves the following steps Gathering Information Take photos of the vehicles involved in the crash Include any injuries or damage Photographs can be used to prove that the incident took place as youve described In addition take pictures of the scene including any skid marks or debris that are visible It is also important to collect the names addresses and telephone numbers of eyewitnesses when possible They may be able later to testify about the circumstances surrounding the incident and who was accountable In certain cases eyewitness testimony is the most valuable evidence in the course of a lawsuit Make note of the insurance details of all parties involved in the wreck Youll need to know the name of the insurance company along with the policy number and the contact information as well as the license plate number and drivers name In the event that you can get this information as quickly as you can will help avoid disputes or confusion later on Documentation of medical expenses and treatment is also very useful to support claims Keep receipts for prescription medicines and other expenses that were caused by the accident This can help in proving the damages you claim If youre unable to work due to injury you should keep the record of any wages lost Filing the Claim If youre able to do so it is recommended to file your claim as soon as possible following the incident This will allow the insurer to review your documents and get to work It will also ensure that your claim is in compliance with the deadlines set by New York law When filing an insurance claim for a car youll need to provide details about the accident and any injuries you suffered due to it The information you provide will be used to calculate damages including reimbursement for medical expenses lost wages property damage as well as discomfort and pain The insurance company will also have to determine fault if necessary The final police report can be helpful for this It is crucial to keep in mind that determining who is to blame isnt always an easy task Even if you believe the crash was your fault in some cases other factors could have contributed New York for example is a state in which there has a relative negligence system which means your damages are reduced according to the percentage of your fault The insurance company will assign an adjuster to your case Its recommended to bring your lawyer along when you speak to the adjuster Theyll provide an objective perspective and help you negotiate a fair settlement If you are unable to reach a satisfactory settlement it might be necessary to go to court to secure the compensation youre entitled to Inspecting Damages Theyll want to visit the scene of the accident to see the scene Theyll likely interview you and other parties involved in the collision talk to witnesses and inspect your vehicles They will also examine your medical records your expenses and lost wages to provide a clear picture of how the accident affected you While you wait for the police to arrive take pictures using your mobile phone This will allow you to document skid marks the locations of both cars and their extent of damage as well as the presence of any obstructions In auto accident attorney springfield should make sure to exchange contact information and insurance details with the other drivers involved in the accident if it is safe to do so Jot down each persons name address phone number address and insurance company policy numbers and drivers licence information Note the vehicles model year model and license plate It may be tempting to blame another driver in the heat of the moment but this could be a backfire Keep your cool and dont admit fault or guilt If possible its a good idea also to collect the names and contact numbers of any eyewitnesses that witnessed the collision Negotiating the Settlement Negotiating the settlement of a car accident claim can be stressful and frustrating especially when youre facing expenses for medical treatment and lost wages Engaging an experienced lawyer to negotiate on behalf of you with the insurance company could make the process easier An attorney can better comprehend the law calculate your total damages and understand what to anticipate during settlement negotiations with an insurance company The first step is writing a demand letter that includes the amount you require to pay for your injuries and expenses Your attorney can assist you in compiling this information and include any documents to support your demand If you submitted photos of your vehicle or injuries that were particularly serious to the insurance adjuster your lawyer would mention them during negotiations In addition your attorney will remind the adjuster of your pain and damages which are based on the mental and emotional anguish you have suffered because of the accident If you engage a lawyer to negotiate a settlement on your behalf insurance companies treat claims with greater care and generally offer higher settlements If the insurance company refuses to offer an acceptable settlement your lawyer will start a lawsuit and advocate for you in court
