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How to Document a Motor Vehicle Claim A motor vehicle claim is the procedure of submitting a report with your insurance company following an accident. This report will allow them to access your coverage and determine how much they will pay for the damages. You must submit your claim as quickly as possible following the accident. You will need to have the police report and your insurance card as well as declaration pages. What to do after an accident? Take photos and videos from different angles immediately after an accident to document the accident. The scene can change rapidly witnesses may leave, and evidence could disappear. Then, get all the drivers' names address, numbers, and insurance information (and insurance policy numbers) If you are able to, get the insurance policy number. Note the year, model, and make of each vehicle, in addition to any other important information such a damage or license plate number. Asking each driver whether they were wearing seatbelts if passengers were riding along with them, and determining their age and gender is also helpful. In a lot of cases, injuries from motor vehicle accidents do not become apparent for several days following the accident. This is why it is vital to seek medical attention as soon as possible, even if think you've suffered any injuries. If you're able, move vehicles out of traffic to avoid further injury or damage. Also, set up flares or reflective emergency triangles to stop other drivers from hitting them. It is important to make a report to the police, if possible. Even if the accident appears minor, it is important to report it to police. The other driver could later claim that the accident never took place and their insurance company might not pay your claim. Getting Started A claim is the procedure by that you inform your insurer of a loss, and request that they pay it. This can include paying for damages to a vehicle or medical expenses from an accident. Make sure you have all the relevant information prior to filing your claim. This includes contact details for each person who was involved, receipts of any damaged personal property, as well as any medical bills. Also, you should have a copy of the accident report as well as photographs of any damages. Your insurer will assign an adjuster to your claim who will be the primary contact for your claim. They will go through all the information you provided right after the accident and conduct their own investigation. This will help them determine what caused the accident and who is at fault. Your adjuster will inspect your vehicle after they have understood the full extent of the damage. You can be present at the inspection, or provide a list of repair quotes from local auto shops or contractors. If the insurance company is of the opinion that the damage to your car is too costly to fix, they will send you an invoice for the value of your vehicle. This will let you purchase a replacement or use it to cover the remaining loan or lease payment. If you submit a claim, your insurance premiums could rise. Do everything you can to prove that the incident wasn't your fault. Documenting motor vehicle accident lawyer paterson Documenting an accident is essential when you're involved. Insurance companies are looking for evidence to support the claims you or the other party makes. In reality, the evidence that is collected and documented could determine the outcome of a case. It doesn't matter if it's photos of the scene of the accident, witness statements, or medical records showing consistency in treatment, it's important to have all of the information. Write down the license number, as well as vehicle details of the other driver at the time of the collision. Record the names and contact information of witnesses. If you can take pictures or draw a diagram to show the accident scene. This will allow you to see what happened at the scene of the crash, as well as what caused it. Documentation also includes details about the accident, including the location of the accident along with the direction of travel, as well as any landmarks or other relevant areas. It is essential to record the details of any injuries sustained in the accident, as well. It's also important to note any damage and how it occurred. It is crucial to document the accident because over time, memories fade and stories change. It's an excellent way to share the whole story. Even if you're the one to blame taking note of the facts can help determine how much liability is due to your account. Assistance After the police report has been submitted, get in touch with your insurance company as quickly as possible. Many insurance companies allow you to file a claim using an app for your phone or tablet. It is also a good idea to receive a check from your insurance company for the value of your vehicle. This will be helpful when you are planning to purchase an additional vehicle and your car is “totaled”. You can pay off your loan and/or reduce your monthly payment even if you have a debt on your vehicle. Your representative will ask you a series of questions and then send you a form to fill out. It's important to provide the information accurately and remain honest throughout the process. If you are found not to have provided precise information, it can hurt your case. If you are hurt by the accident, schedule an appointment with your physician right away to make sure that any bones are placed correctly and that any other injuries are documented for the claim process. By seeing your doctor as soon as possible you can ensure that your medical costs are covered by accident-related no-fault benefits. If your No-Fault claim gets denied by the insurance company, or if you'd like to pursue a liability claim for pain and suffering, or other damages, you will have to file a suit. If you decide to do this it's a good idea to have an experienced lawyer by your side.