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How to File a Motor Vehicle Claim

If your vehicle is damaged by an accident, it is necessary to file an insurance claim. It is important to be aware of the process.

An adjuster will be dispatched by the insurance company to inspect your vehicle damage. You don't have 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 any crime show in which the investigators document every single detail from footprints to chocolate wrappers that are thrown away? Apply the same level of examination when examining your accident scene. It is important to capture as much of the incident as you can when it happens, so that you have evidence to prove your case in the future.

Photographs of the damage to both vehicles is a must, but also consider taking close-ups of the areas damaged. These photos can assist insurance companies, as well as expert witnesses in determining the size of different objects. Capture reference points, like the location of traffic lights or stop signs in your photos. These can be used to determine the actions of the driver at fault for the accident.

If you can capture photos of the other driver and their passengers, and witnesses. You might be able to take a picture of their license plate. Additionally, you can take pictures of emergency responders and their vehicles, and if anyone is put on a gurney and then into an ambulance, snap a picture of that as well.

Make sure to submit the photos to the insurance company only if you are instructed by your attorney or if you are required to do so by a court. Otherwise, you could unwittingly be proving your own claim. For instance, if you alter the date stamp on your photos following the accident, it could cause the insurance company to question the legitimacy of your claim.

Seek Medical Attention

The first thing to do following an accident is to seek medical attention. This is not just for your health, but also to ensure that any injuries are recorded. In many personal injury cases the plaintiff seeks compensation for medical expenses and damages. This is why medical records are vital to the success of your claim.

Even if  motor vehicle accident attorney miami gardens 're not displaying any noticeable signs, you should make an appointment with your primary care physician or an emergency room. Your doctor can provide you with an evaluation of your injuries, and also perform an extensive medical examination. Furthermore, they will be able to provide you with the appropriate treatment.

Following your doctor's treatment program will allow you to recover faster and help strengthen your case. This includes taking your prescriptions and any other medications available over the counter taking part in the physical therapy program, complying with the doctor's orders regarding time off work, and completing any subsequent appointments.

During this process, you must be careful. It is vital not to say anything that could be incorrectly interpreted by an adjuster from the insurance company. This is because insurance companies may attempt to discredit your injuries in an effort to make your claim untrue or reduce the amount of money they'll award you for your claim. This is why it is recommended that you not speak to any insurance adjusters unless you have an attorney present.

Contact an attorney

Legal representation is crucial for those injured. Lawyers can assist them in managing their stress and understand how to channel their energy. Attorneys are also able to weigh 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 most money from their insureds while paying out the least amount of money they can (in the theory). If you are in the midst of an accident, it can be tempting to take a lowball offer early on since it appears to be the easiest decision to make. This could lead to disastrous consequences in the future.

If you submit an insurance claim the insurance adjuster will be out to assess the damage to your car and review receipts for personal property damages and medical bills. They may also interview witnesses and review police reports. Before meeting with an adjuster it is beneficial to obtain repair estimates from local auto repair shops or contractors. This will let them know what they can expect for repairs.

An experienced motor vehicle attorney can ensure that all the necessary information is in place and the right documents are provided to the insurance company. They can offer advice and provide suggestions on how to handle the claims adjuster, on how to handle a settlement, and what to do in the event that an insurance company is not responsive and is acting in a shady manner.