Accidents can happen when we least expect them and dealing with the aftermath can be quite stressful. If you find yourself in a situation where you need to file an accident claim, it is essential to navigate the process to ensure that you receive the compensation that you deserve.
Understanding the key steps involved can make a huge difference in the outcome of your claim, be it a car accident, a workplace incident, or any other mishap.
So, here we’ve listed a few tips for you to help you file your claim.
Tips for Filing an Accident Claim
If you’ve been involved in a car accident and suffered significant injuries or damage to your car, you’ll need to file an insurance claim to recover your losses. We spoke to the team at FletcherLawUSA.com, and here are some important tips they shared to help you file your insurance claim successfully.
1. Call the Police if Necessary
If someone was hurt or property was damaged in an accident, don’t hesitate to call 911 and get help! While you don’t necessarily require a police report to make an accident claim, it can help strengthen your case. A police report will paint a more legitimate picture of what happened in an accident that can make your insurance claim process easy.
2. Get Medical Attention
In many cases, people involved in an accident usually feel fine immediately after the incident and then start feeling intense pain a few hours or days later. So, consulting a doctor right after the accident is essential to ensure no hidden injuries. You also need to ensure that you don’t face any medical negligence.
Your doctor will also document your injuries and treatments provided for your insurance company to use when processing your claim.
3. Contact Your Insurance Company
Once you ensure everyone involved in the incident is safe, contact your insurance agent and inquire about what you’ll need to file your accident claim. Your insurance agent knows everything required in the claim process and will give you the direction you need. Assuming you’re involved in a car accident and were not at fault, you’ll need to file a claim with your insurance company and keep the other driver’s insurance agency in the loop.
Document Everything and Exchange Information
You must document everything from the accident scene and collect information from the parties involved. In case of a car accident, make sure you get the following:
- Insurance policy numbers of the vehicles involved
- Name, address, and telephone numbers of the other driver(s), plus a photo of their driver’s license
- Year, model, make, and license plate numbers of the vehicles involved
- Pictures of the accident scene from all sides and angles
- Records or notes of any conversations you had with those involved in the accident
If you suffered any injuries and received medical attention, document all the physician reports and medical bills you received for treating accident-related injuries. Also, hold on to any other expenses you incurred and evidence of property damage.
5. File Your Claim As Soon As Possible
Depending on your type of insurance policy, you may have as little as 30 days or even up to three years to file your insurance claim. Once you get a good grasp of the damage done, you should file your accident claim as soon as possible.
You’ll have to provide basic details, such as the time and location of the accident, the contact information of everyone involved, and a clear description of what happened. You may also need to give an estimated cost of your damages from the accident.
Always Consult an Experienced Attorney!
When filing your accident claim, avoid signing documents you don’t understand. It’s always best to seek the assistance of a skilled personal injury attorney to ensure your rights are protected. And since you may need to learn the seriousness of your damages or whether you’re at fault, hiring an attorney is always helpful. A competent accident attorney will fight for you and ensure you get the best settlement for your accident claim.