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How to File a Motor Vehicle Claim You will need to file an insurance claim if your vehicle is damaged. It is important to understand the procedure. Insurance companies will send an adjuster to look over the damage to your vehicle. There is no requirement to be present when an adjuster inspects the damage to your vehicle, but you must bring along your insurance policy and any documentation that is relevant to it. Take Pictures Have you ever watched a show where investigators comb over every square inch of the scene, snapping every tiny detail, from footprints to discarded chocolate wrappers? Apply the same level of scrutiny to your accident scene. It is important to capture as much of the event as you can during the time it occurs so that you will have something concrete to prove your case later on. It is essential to take pictures of both vehicles, however you should also take closeups of the damaged parts. These photos can assist insurance companies and expert witnesses determine the size of specific objects, like skid marks. Photograph reference points, such as the location of traffic lights or stop signs in your photos. These can later be tied to the actions of the driver at fault that led to the crash. If you are able you can, take photos of other driver and their passengers as well as witnesses. You may be able to obtain a photo of their license plate. Also, take pictures of emergency responders and their vehicles. If anyone is put on a gurney, and then an ambulance, snap photos of them as well. Don't submit the pictures to the insurance company if you are instructed by your attorney or if ordered to do by the court. You could be knowingly giving evidence that is in opposition to your claim if you don't. For example, if you change the date stamp on your photos following the incident, it could make insurance companies doubt the legitimacy of your claim. Seek Medical Attention The first thing to do after an accident is to seek medical attention. motor vehicle accident attorney league city is not just for your health but also to ensure any injuries are documented. Many personal injury claims are based on seeking reimbursement for medical bills and other damages. Medical records are vital for your claim. If there aren't any symptoms you can observe it is important to make an appointment with your primary doctor or an emergency room. Your doctor will give you an evaluation of your injuries, and also perform an extensive medical examination. Furthermore they'll give you the needed treatment. Following your doctor's treatment program will allow you recover faster and make the case stronger. This includes filling your prescriptions, taking any non-prescription medicines, taking part in physical therapy, observing instructions regarding time off from work, and attending follow-up appointments. It is essential to avoid saying anything that an insurance adjuster may mistakenly interpret. The insurance company might try to discredit the damage you have suffered in order to reduce or deny the amount of compensation you receive. It is crucial to only speak to insurance adjusters with your attorney present. Contact an attorney Legal representation is essential for those injured. Attorneys can help them manage their stress and determine where to focus their energy. Additionally, attorneys can also weigh the facts and evidence of a case to determine whether it is worth fighting for in court. The insurance firm is first and foremost a business and their aim is to take as much money from insureds as they can, while making payments as minimal as they can (in theory). If you are at the scene of an accident, it can be tempting to take an offer that is low because it's the most convenient thing to do. This can have disastrous consequences in the future. If you file an insurance claim, the adjuster from your insurance company will come out to assess the damage to your car and will review receipts for personal property damage and medical bills. They may also interview witnesses and examine police records. It is usually helpful to obtain estimates for repairs from local contractors or auto shops prior to meeting with the adjuster so they're aware of what to anticipate when it comes to repairs. An experienced motor vehicle attorney can assure that all the required information is provided and that the right documents are provided to the insurance company. They can also provide advice and suggestions on how to handle an insurance adjuster, how to handle the settlement process and what to do when an insurance company doesn't respond or acting unethically.