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How to File a Motor Vehicle Claim

If your vehicle is damaged by an accident, you will submit an insurance claim. It is important to understand the process.





Insurance companies will send an adjuster to look over the damage to your vehicle. It's not always mandatory to be present at the inspection, but you must bring your policy and any other relevant documentation.

Take Pictures

Have you ever seen a crime-show where investigators comb over every square inch of the scene and take photos of every little detail from footprints to chocolate wrappers that have been tossed away? Use the same level of focus when looking at your accident scene. It is crucial to record as much of the incident in the event of an accident to ensure that you have something concrete to prove your case in the future.

Photographs of the damage to both vehicles is essential however, you should also think about taking photographs of the areas that have been damaged. They can help insurance companies and expert witnesses determine the size of objects, such as skid marks. Take motor vehicle accident attorney brockton 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 who was at blame for the crash.

Photograph the other drivers and their passengers, as well as witnesses. You may be able obtain a photo of their license plate. Take photos of emergency responders, their vehicles, and anyone who is seated on a gurney, or into an ambulance.

Don't submit the pictures to the insurance company if directed by your attorney or if ordered to do so by the court. If you do not, you could be providing evidence against your own claim. If you alter the date on your photos the insurance company might be skeptical about your claim.

Seek medical attention

When you're involved in an accident, the first thing you need to get medical attention. This is not only important for your own health but also to ensure that any injuries you may have are documented. In many personal injury claims you will be seeking compensation for medical expenses and damages. This is why medical records are vital to the success of your claim.

Even if you're not displaying any noticeable symptoms, you should make an appointment with your primary physician or an emergency room. Your doctor will be able offer you a full medical evaluation and assess the severity of your injuries. Furthermore they'll offer you the proper treatment.

It is important to follow the recommendations of your doctor about the treatment plan you are on as it will help you recuperate faster and improve your case. This includes taking your prescriptions and any prescription or over-the-counter medications and participating in the physical therapy program, complying with the doctor's orders regarding time off work, and completing any subsequent appointments.

During this process, it is essential not to mention anything that could be incorrectly interpreted by an adjuster from the insurance company. This is because insurance companies may try to discredit your injuries in an effort to make your claim untrue or reduce the amount they'll give you in your claim. It is important that you only speak with insurance adjusters with your attorney present.

Contact an attorney

Legal representation is essential for injured parties. Lawyers can assist them in managing their stress and know what they should be focusing on. Attorneys can also evaluate the evidence and facts to determine the merits of a case and whether it is worth fighting in court.

The insurance firm is first and foremost an enterprise and their objective is to make as much money out of insureds as they can while paying as little as they can (in theory). It may be tempting, when you are on the scene of an incident to accept a flimsy settlement offer because it is the easiest thing to accomplish. This is a mistake that can cause a lot of damage down the road.

When you submit a claim to your insurance company an adjuster will be sent to your residence to assess the damage to your vehicle. They will also go over receipts for medical bills as well as personal property damages. They will probably also interview witnesses and look over police reports. It is helpful to get repair estimates from local auto shops or contractors prior to meeting with the adjuster, so that they know what to expect when it comes to repairs.

An experienced motor vehicle accident lawyer will ensure that all required information is included promptly and that the right documents are handed over to an insurance company. He or she can offer advice and suggestions on how to deal with an insurance adjuster, how to manage a settlement and what to do when an insurance company doesn't respond or is acting unprofessionally.