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Tips For Filing a Car Accident Claim In states where there is no no-fault insurance you could be required to sue the driver in a small claims court. You should think about hiring an experienced accident lawyer before making this decision. The other party's insurer will investigate your claim and determine the liability for the collision. They will then award compensation for your injuries and car damages as well as losses such a pain and suffering. The process usually involves the following steps. Gathering Information Take photographs of the cars involved in the crash. Include any injuries and damages. Taking these photographs could help to prove that the crash occurred as you have described. Photograph the scene of the accident, including any skidmarks, debris or skid marks. It is also essential to collect the names, addresses, and telephone numbers of eyewitnesses, when possible. They might later be able to provide evidence about the circumstances surrounding the incident and who is responsible. In some instances, eyewitness testimony is the most important evidence in a lawsuit. Note down the insurance information of all parties involved. You will need to know the name of the insurance company along with the policy number and the contact information as well as the license plate number and driver's name. It is important to get this information immediately to avoid confusion or disputes later. Documentation of medical treatment and expenses can be helpful to a claim as well. Keeping receipts for prescription pain medication and other expenses that result from the accident could help support claims for damages in the claim. In addition, if you're in a position of being unable to work because of your injuries, it is vital that you keep records of the wages you lost. Claim Form If you have the ability to file a claim it is recommended to submit your claim as quickly as possible following the accident. This allows the insurer to review your documents and begin working. This will ensure that you meet the New York law deadlines for filing your claim. In order to file an insurance claim for your car, you'll need to provide details about the accident as well as any injuries you sustained as a result. The information you provide will be used to calculate damages. This includes compensation for medical expenses loss of wages, damage to property and discomfort and pain. The insurance company will also be required to determine the source of fault, if necessary. The final police report may serve as a reference point. However it is important to keep in mind that determining fault is not always easy. Even if you believe the accident was your fault in a few instances, other factors could have contributed. New York, for example is a state that has a comparative negligence system, meaning your damages are reduced by the proportion of your fault. The insurance company will assign an adjuster to your case. It is recommended to bring your attorney present when you talk to the adjuster. They'll give you an objective viewpoint and assist you negotiate an acceptable settlement. If you're unable to find a solution that is acceptable, you might have to go to court in order to get the money you are entitled to. Inspecting the damages The insurance company will need to visit the scene of the crash to observe the accident for themselves. They will likely interview you and other people involved in the accident as well as interview witnesses and examine your vehicles. They will also look over your medical records, expenses and lost wages in order to have a better understanding of the impact of the crash on you. While auto accident lawyer boise city wait for the police to arrive Take pictures with your cell phone. This will allow you to record the damage and skid marks on both vehicles, as well as the exact location of the cars. During this time it is recommended to share contact and insurance information with other drivers involved in the accident, if it is safe to do so. Note down the name, address, phone number, insurance company's policy number, and driver's license information of each person. Note the make year, make, and license plate number. In the midst of the circumstances, it could be tempting to blame the other driver. However, this could backfire. Angry remarks can be used against you in court Be calm and do not admit to any guilt or blame at the scene of the incident. If you are able, it's a good idea to keep the names and numbers of any witnesses who witnessed the collision. Negotiating the Settlement Negotiating a settlement for a car accident is stressful, especially when you have to deal with medical bills and lost income. Employing an experienced attorney to negotiate on your behalf with the insurance company can accelerate the process. An attorney will have a greater knowledge of the law and how to calculate your total damages and losses and what to expect from an insurance company during settlement negotiations. The first step is to compose an official letter of demand that includes the amount you require to cover your expenses and injuries. Your attorney can help in compiling this information and include any relevant documents to support your request. For instance, if you provided the insurance adjuster with photos of your car and injuries that were particularly strong, your lawyer will mention these during negotiations. Additionally, your lawyer will remind the adjuster of your suffering and damages that are based upon the mental and emotional anxiety you've endured as a result of the accident. Insurance companies will treat your claim more seriously if you hire an attorney to negotiate for a settlement on behalf you. They will also offer a higher settlement. Your lawyer will pursue a lawsuit if an insurance company refuses to offer a fair settlement.