How to File a Motor Vehicle Claim
If your vehicle is damaged in an accident, you'll submit an insurance claim. It is important to be aware of the process.
Insurance companies will send an adjuster to look over your vehicle damage. It's not always mandatory to be present at the inspection, but you should bring your insurance policy along with any other documentation that is relevant.
Take Photos
Have you ever watched a crime drama where the investigators go through every square inch of the scene, photographing the tiniest detail--from footprints to chocolate wrappers that have been tossed away? You should apply the same level examination when examining your accident scene. It is essential to record as much of the incident in the event of an accident to ensure that you have evidence to prove your case later.
It is important to capture photos of both cars, but you should also take closeups of the damaged parts. These can assist insurance firms and expert witnesses assess the size of objects, like skid marks. Take pictures of reference points, for example the location of traffic lights or stop signs, in your photographs. These could later be connected to the actions of the driver at fault which led to the crash.
Photograph the other drivers and their passengers, as well as any witnesses. motor vehicle accident lawsuit sterling heights might be in a position to take a photo of their license plate. Take photos of emergency responders, their vehicles, and any person who is placed on a gurney or in an ambulance.
If your attorney or court has ordered you to submit photos, only upload the photos. You could accidentally give evidence that is in opposition to your claim if you don't. If you alter the date on your photos your insurance company may be skeptical about your claim.
Seek medical attention
In the event of an accident the first thing you need to take is to seek medical attention. This is not just important for your own health but also to ensure that any injuries you have are documented. In many personal injury cases, compensation is sought for medical expenses and other damages. Medical records are crucial to your claim.
Even if there are no symptoms you can observe then you should schedule an appointment to see your primary doctor or an emergency room. Your doctor will provide you with a thorough medical assessment and will determine the extent of your injuries. They will also to provide you with the appropriate treatment.
Following your doctor's treatment plan will help you recover quicker and improve the condition. This includes taking your prescriptions as well as any over-the counter medications and participating in the physical therapy program, following the instructions regarding time off work, and attending subsequent appointments.
In this process, it is vital not to say anything that could be mistaken by an insurance adjuster. The insurance company could try to deny the injuries that you've sustained in order to reduce or deny your compensation. This is why it is suggested to not speak to any insurance adjusters unless you have your attorney present with you.
Contact an Attorney
Legal representation is essential for injured parties. Attorneys can help them manage their stress and determine where to focus their energy. Attorneys can also consider evidence and facts to determine whether a case is worth fighting in court.
Insurance companies are businesses first and foremost. Their aim is to get the maximum amount of money from their insureds while making the smallest amount of money (in theory). It can be tempting, if you're on the scene of an incident to accept a lower settlement offer as it's the simplest way to go. This can have disastrous consequences in the future.
When you make a claim with your insurance company, an adjuster will come to your home to evaluate the damage done to your vehicle. They will also review receipts for medical bills and personal property damage. They will also likely interview witnesses and examine police records. Before meeting with an adjuster, it is beneficial to obtain repair estimates from local auto shops or contractors. This will help them be aware of what they can expect from repairs.
An experienced motor vehicle accident attorney will ensure that all required information is provided in a timely manner and that the proper documents are submitted to an insurance company. He or she can also provide advice and suggestions on how to deal with an insurance adjuster, how to deal with the settlement, and what to do when an insurance company is not responsive or is acting unprofessionally.