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How to Document a Motor Vehicle Claim A motor vehicle claim is the procedure of submitting a report with your insurance company after an accident. The report will enable them to review your insurance coverage and determine how much they will pay for damages. You should make your claim as fast as you can following the accident. You'll need the police report along with your insurance card or declarations pages readily available. What should you do after an accident Photographs and videos should be taken from different angles after an accident to record the accident. The scene can change quickly, witnesses may leave and evidence could disappear. If possible, collect all driver's names as well as their phone numbers, addresses, and insurance information. Also make note of the year and make and model of each vehicle as well as other important information, such as damage and license plate numbers. Asking every driver if they were wearing seatbelts and whether there were any passengers riding with them, and noting their age and gender is also helpful. Most injuries from motor vehicle accidents don't become apparent until a day or two after the collision. This is why it is vital to seek medical attention as soon as possible even if you do not think you've suffered any injuries. If you can, get the vehicle out of traffic to prevent further injury or damage. Also install flares or reflective emergency triangles to stop other drivers from hitting them. Make sure motor vehicle accident law firm bethlehem inform the police, if possible. Even if the accident seems minor, it's essential to report it to police. The other driver could later deny that the incident occurred and their insurance company might not pay your claim. Getting Started An insurance claim is the procedure of letting your insurance company be aware of a loss and asking them to compensate for it. This may include paying for damages to a car or a medical expense in the event of an accident. Before you file a claim, make sure you have all the information you require, including contact information for everyone involved, receipts for damaged personal property and any medical bills. You should also have the accident report along with photographs of any damage. Your insurer will assign an adjuster for your case who will be the quarterback of your claim. They will examine all the details you've provided right after the accident, and conduct an investigation of their own. This will help them determine the cause of the accident and who is responsible. Once they have a clear understanding of what happened the adjuster will then inspect the damage to your vehicle. You can either be present during the inspection, or you can give them an estimate for repairs from local contractors or auto shops. If your insurance company is of the opinion that your car's damage is too costly to fix it will send you a check equivalent to the value of the vehicle. You can use the funds to purchase a new car or to pay off your loan or lease. If you are able to file a claim insurance rates could increase. Do everything you can to show that the accident wasn't caused by you. Documenting the Incident Documenting an accident is crucial when you're involved. Insurance companies are seeking evidence to support the claims you or the other party makes. In fact the evidence taken and documented can make or break most cases. It doesn't matter if it's photos of the scene of the accident, witness statements, or medical records that prove the same treatment, it's essential to have all of the information. At the time of the collision, be sure to note down the other driver's license number as well as the details of the vehicle. Also, take the names and contact information of witnesses. If possible, try to take pictures or create a diagram of the accident scene. This will help you understand what happened on the scene, and what caused the accident. Documentation should also contain information regarding the incident. This includes the location, the direction of travel and any relevant landmarks. Include an explanation of the injuries suffered. It's also crucial to note the severity of any damage, and the way it was caused. It is essential to record the incident because memories can fade over time and stories can change. It's the best way to tell the truth. Even if you're at fault recording the facts will help determine the amount of responsibility that is due to your account. Getting Help After the police report has been filed, contact your insurance company as soon as you can. Many insurance companies allow you to make a claim through an app for your tablet or phone. It is also advisable to ask your insurance company to send you a check for the value of your vehicle. This will assist you when your car is “totaled” and you plan to buy a new one. You can pay off your loan and/or reduce your monthly payment in the event that you owe money on your vehicle. Your representative will ask you a series of questions and will send you a form to fill in. It is crucial to fill in the information accurately and to be honest at all times. If you are found to not have given accurate information, it could be detrimental to your case. If you are hurt during the accident, set an appointment with your physician right away to make sure that the bones are set correctly and that any other injuries are documented to aid in the claim process. By seeing your doctor as soon as possible, you can also ensure that your medical costs are covered by accident-related no-fault benefits. You'll have to file a lawsuit in the event that your insurance company rejects your claim for no fault, or if you want to pursue damages for pain and suffering, or any other damages. If you do this it is advisable to have a knowledgeable lawyer on your side.