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How to Document a Motor Vehicle Claim A motor vehicle claim is the process of filing a report with your insurance company after an accident. This allows them to check your coverage and determine the amount they'll pay for damages. You'll want to file your claim as soon as you can after the accident. Be sure to have an original copy of the police investigation report as well as your insurance card or declarations page. What do you do after an accident Photographs and videos should be taken from various angles right after an accident to document the accident. The scene can change rapidly witnesses may leave and evidence could disappear. If you can, gather the names of drivers telephone numbers, addresses, and insurance information. Note the year, model, and make of each vehicle, in addition to any other important information such damaged or license plate number. Asking each driver whether they were wearing seatbelts, if they had passengers along who were in the vehicle, and noting their gender and age is also useful. In a lot of cases, injuries from motor vehicle accidents do not become apparent for several days following the accident. This is why it's important to seek medical attention promptly, even if you don't believe you have any injuries. If you're able to, move vehicles out of traffic to prevent additional damage or injuries. Also install flares or reflective emergency triangles to stop other drivers from hitting them. Ensure that you make a report to the police, if possible. Even if it appears minor, it's important to report the incident to police. The other driver could later deny that the accident occurred and their insurance provider could refuse to pay your claim. Getting Started An insurance claim is the procedure of letting your insurance company know about a loss and asking them to pay for it. This may include paying for the damages to a vehicle or covering medical expenses due to an accident. Make sure you have all the information you need prior to making your claim. This includes the contact information for every person affected, receipts for any damaged personal property, as well as any medical bills. Also, you should have the accident report along with photographs of any damage. Your insurer will assign an adjuster to your case who will be the head of your claim. They will review the information you have provided following the incident and conduct their own investigation. This will allow them to determine the cause of the accident and the person responsible for the accident. Once they have an complete understanding of what happened the adjuster will assess the damage to your vehicle. You can either be present during the inspection or you can provide them with the repair estimates from local contractors or auto shops. If the insurance company believes that the damage to your vehicle is too costly to fix the damage, they will mail you a check for the value of your vehicle. This will allow you to buy a new vehicle or use it to pay for the remaining lease or loan payments. If you file a claim, your insurance rates could increase. Do all you can to prove that the incident wasn't your fault. Documenting the incident If you're involved in a collision, documenting the incident is essential. Insurance companies are looking for documentation that can support the claims you or others make. In reality the evidence collected and documented could make or break most cases. If it's photographs of the scene of the accident and witness statements or medical records that demonstrate consistent treatment, it's crucial to have all this details. Note down the license number as well as the vehicle information of the driver who was driving at the time of the collision. Also, keep track of the names and contact information of any witnesses. If possible, capture photos or draw an image of the crash scene. This will allow you to see what transpired at the scene of the crash, and what caused it. The documentation also provides details about the incident, including the location of the accident, the direction of travel, as well as any landmarks or other relevant areas. It is crucial to include a description of any injuries that were sustained in the accident, as well. It's also important to note any damage and how it happened. It is important to document the incident as memories may fade with time and stories may change. It's an excellent way to share the whole truth. Even if you're the one to blame, documenting the facts will help determine the amount of responsibility that should be assigned to your account. Get Assistance Once the police investigation has been filed, you must contact your insurance company as quickly as you can. Many insurers allow you to make a claim through an app for your smartphone or tablet. It is also advisable to ask your insurance company to send you an amount for the value of your vehicle. This is useful should you decide to purchase a new car and your current car is “totaled”. If you have an outstanding loan on your current vehicle this will help pay off the balance and/or reduce your monthly payment. Your representative will ask a series questions and send you a document to fill out. It is important to always be truthful and accurate when supplying information. This could make your case less strong in the event that you are found to have not provided accurate information. If motor vehicle accident law firm santa fe 've been injured by the accident, schedule an appointment with your physician right away to make sure that your bones are set correctly and that any other injuries are recorded for the claim process. Getting to the doctor soon will ensure that your medical expenses are covered under the No-Fault benefits of the accident. If your No-Fault claim is denied by the insurance company or if you'd like to pursue a liability claim for pain and suffering, or other damages, you will be required to file a lawsuit. It is best to hire an experienced attorney on your side should you decide to pursue this.