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How to File a Motor Vehicle Claim You will need to submit an insurance claim if your vehicle is damaged. It is crucial to know the process. An adjuster will be sent by the insurance company to look over the damage to your vehicle. It's not necessary to attend the inspection, but you must bring your policy and any other documentation that is relevant. Take Photos Have you ever seen one of the crime shows where investigators photograph every aspect, from footprints to chocolate wrappers, and then throw them away? Apply that same scrutiny to your accident scene. It is important to capture as much of the incident when it happens so that you will have evidence to prove your case later on. It is essential to take pictures of both cars, but you should also consider taking close-ups of the damaged parts. These can help insurance companies and expert witnesses to determine the size of certain objects, like skid marks. Record reference points, such as the location of traffic lights or stop signs, in your photographs. These can be used to determine the actions of the driver who was at fault that caused the accident. Take photos of other drivers and their passengers as well as witnesses. You may be in a position to take a picture of their license plate. Take photos of emergency responders, their vehicles and anyone who is put on a gurney or into an ambulance. Don't submit the pictures to the insurance company only if you are instructed by your attorney or ordered to do so by a court. In other words, you could accidentally give evidence in support of your own claim. For instance, if it is changed the date stamp on your photos after the incident, it may cause insurance companies to doubt the validity of your claim. Seek Medical Attention In the event of an accident the first thing you have to do is seek medical attention. This is not only for your health, but also to ensure that any injuries are recorded. Many personal injury lawsuits involve seeking reimbursement for medical expenses and other damages. Medical records are vital for your claim. Even if there aren't any symptoms you can observe it is important to make an appointment to see your primary medical doctor or an emergency room. Your doctor will be able offer you a full medical assessment and will determine the extent of your injuries. Additionally motor vehicle accident attorney lewisville 'll be able give you the needed treatment. It is crucial to adhere to the advice of your physician regarding your treatment plan as it will help you recuperate faster and improve your case. This includes filling your prescriptions, using any over-the counter medication, participating in physical therapy, following instructions about when you can take time off of work, and attending follow-up appointments. It is crucial to avoid saying anything that an insurance adjuster might mistakenly interpret. This is because the insurance company could try to discredit your injuries in an effort to reject your claim or decrease the amount they will award you for your claim. This is the reason it is advised to not talk with any insurance adjusters unless you have an attorney present with you. Contact an attorney Accessing legal representation is essential for those who have suffered. Attorneys can help them manage their stress and know the best way to direct their energies. Attorneys can also evaluate evidence and facts to determine if a case is worth fighting in court. Insurance companies are businesses first and foremost. Their goal is to collect the maximum money from their insureds while paying out the least amount of money that is possible (in the theory). If you are in the midst of an accident, it could be tempting to accept the low-ball offer at first because it's the simplest decision to make. This can have disastrous consequences in the future. If you make an insurance claim the insurance adjuster will be out to evaluate the damage to your car and review receipts for personal property damage and medical bills. They may also speak with witnesses and look over police records. It is usually helpful to get estimates on repairs from local contractors or auto shops before meeting with the adjuster, so that they know what to expect in terms of repairs. An experienced motor vehicle accident attorney can make sure that all necessary information is included in a timely manner and that the proper documents are provided to an insurance company. He or she can give advice and suggestions about how to handle an insurance adjuster, the best way to handle the settlement, and what to do when an insurance company is unresponsive or is acting unprofessionally.