Unfortunately, there are over 6 million car accidents each year in the United States. It's no secret that a car accident injury can be overwhelming to deal with.
If someone has been involved in a car accident, it's important to know how to file a car accident claim to get the compensation they deserve. Here's a brief guide on how to get started with the claim filing process.
If a driver or any passengers have sustained injuries, seek medical attention immediately, even if they appear minor. Ensure that all necessary medical forms and documents are filled out and kept on record. This is essential information for filing a car accident claim, as they will need to prove the medical expenses they incurred.
Collect all evidence related to the crash, such as photos, police reports, contact information of witnesses, driver's license, and insurance information of the other party involved. This is also a good time to take notes about what happened in detail and keep track of all related expenses, such as car repairs and medical bills.
It also wouldn't be a bad idea to make a video or audio recording of witness testimony.
As soon as possible after the incident has occurred, the driver should contact their insurer to inform them of the accident. Supply them with all documentation collected, including pictures and detailed notes on what happened. They will then open a claim.
From here, they can help provide advice on how best to proceed with filing an insurance claim.
The insurance company will begin negotiating with the other party's insurer. They will come up with an agreed-upon settlement amount for damages incurred by both parties due to the accident (this doesn't include personal injury claims).
It may be best practice during this process to consult with an attorney who specializes in car accident cases. They can provide legal advice and representation in negotiations if need be.
Keep this in mind when moving forward. Navigating a car accident case is something that someone should never do on their own.
Once an agreement is reached between both insurers regarding the amount due, they will typically send out a release document that needs to be signed by both parties. This is usually done via mail or online, depending on each state's laws and regulations surrounding electronic signatures/notarization requirements, etc.
Once everything has been finalized, it’s just a matter of waiting for payment from the insurer or paying off deductibles/outstanding balances.
The longer someone waits, the lower chance they have of achieving the compensation they deserve. Be sure to keep the above information in mind on how to file a car accident claim in order to make the best decision.
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