An auto accident can happen to anyone at any time of day. Chances are, you will experience one if you already haven't. When or if it does happen to you, it is important to know what to do during the claims process. During the claims process, you will take steps to prove your innocence if you were not at fault. You will also provide proof of your injuries and losses. The following are some crucial steps in making an insurance claim for an auto accident:
Take Photographic Evidence
If you are able to do so, take as many pictures of the scene as you can. The photos will help paint the picture of how the accident occurred. They provide a way for the insurer to see a visual of the accident scene, such as where the vehicles are located, the damage that was done, and the placement of the people involved.
Seek Emergency Medical Assistance
If the police are called to your accident, request to have emergency medical assistance on the scene, even you do not really have any pain. Chances are, you are going to feel some pain once the excitement of the accident wears off. Not only will getting immediate medical help get you on top of the pain, but it also serves as additional evidence for your accident claim.
File Your Claim As Soon As Possible
One mistake you do not want to make is waiting too long to file your claim with the negligent party's insurer. It is best to do so within the first few days after the accident. In many cases, an insurer will only allow a certain number of days to pass before they will deny your claim.
Follow Medical Treatment Plans
After seeing the doctor, you must follow through with the treatment he or she recommends. Even if you do not feel as though you need further treatment, do it anyway. The pattern of you having treatment not only will help you recover, but it demonstrates that you were at least moderately injured. Not following doctor's orders will make it seem like you are not as hurt as you actually are.
One thing the insurer will want to try is a quick settlement. Do not feel forced to settle, as you will only have one opportunity. It is best to work with an attorney, such as from James Munafo & Associates PC, to make sure you can get everything you need in order to make yourself whole after a car accident.