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How to Document a Motor Vehicle Claim The procedure of filing an insurance claim following an accident is called a motor vehicle claim. The report will allow them to examine your coverage and decide the amount they will pay out for any damages. You'll need to make your claim as quickly as you can after the incident. Make sure you have an official copy of the police report along with your insurance card or declarations page. What to Do Following an Accident Immediately after a collision, immediately after a collision, take pictures and videos from different angles to capture the accident. The scene may change rapidly, witnesses may leave and evidence could vanish. Then, get all the drivers names, addresses, phone numbers and insurance information (and insurance policy numbers) If you are able to, get the insurance policy number. Also make note of the year and model and make of each vehicle, as well as any other important information such as damage and license plate numbers. Asking each driver whether they wore seatbelts, if passengers were riding along on the road, and identifying their gender and age is also useful. In many instances the injuries that result from motor vehicle accidents do not show up until a few days after the incident. It is essential to seek medical attention as soon as you can, even if it seems that you're not injured. If you are able, move the vehicle out of traffic to prevent further injury or damage. Set up flares and reflective emergency triangles as well to prevent other drivers from hitting you. Report the accident to the authorities if you are able to. It is essential to report the accident even if it seems like it was minor, because the other driver could later deny that the accident happened and their insurance company could deny your claim. Getting Started An insurance claim is the procedure of letting your insurance company know about a loss and asking them to pay for it. This may include paying for the damages to a vehicle or covering medical expenses from an accident. Be sure to gather all the relevant information prior to making your claim. This includes the contact information of each person affected, receipts for any damaged personal property and any medical bills. You should also have an official copy of the accident report and photos of any damages. Your insurance company will assign a claim adjuster who will be the person in charge of your claim. They will review all the details you've provided immediately after the accident, and conduct an investigation of their own. This will help them determine the reason for the accident, as well as determine who was responsible for the accident. After they have a complete understanding of what happened the adjuster will assess the damage to your vehicle. You may be present at the inspection, or you can give a list of repair estimates from local auto shops or contractors. If your insurance company believes that the damage to your vehicle is too expensive to repair the damage, they will issue you a check that is equal to the value of the vehicle. You can use the funds to purchase a new vehicle or to pay off your lease or loan. If you make a claim, your insurance premiums could rise. Do everything you can to show that the accident wasn't caused by you. Documenting the Incident Documenting an accident is essential when you're involved. Insurance companies will look for documents to back up claims made by you or others. Evidence that is gathered and documented can determine the majority of cases. It is crucial to have all of the information whether it's pictures of the scene at the accident and witness statements, or medical records proving consistent treatment. Note down the license number and information of the driver who was driving at the time of the collision. Also, take the names and contact information of witnesses. If you are able, capture photos or draw an image of the crash scene. This will help to show what transpired on the scene of the crash, and the reason for the crash. Documentation should also include details about the incident. This includes the location, the direction of travel and any relevant landmarks. Include the details of the injuries that were sustained. It's also crucial to note the extent of any damage that was sustained, and the way it was caused. It is essential to record the incident since memories may fade over time, and stories may change. motor vehicle accident law firm oakland 's an excellent way to share the whole truth. Even if it's your fault having the facts documented will assist in determining the amount of responsibility is to be given to you. Assistance Once the police report has been completed, contact your insurance company as quickly as possible. Many insurers allow you to file a claim using an app on your phone or tablet. You should also ask your insurance company to send you an estimate of the value of your vehicle. This will be helpful when you are planning to purchase a new car and your car is “totaled”. You can pay off your loan or reduce your monthly payment if you still owe money on your vehicle. Your representative will ask you questions and send you documents to complete. It is crucial to fill in accurate information and be honest at all times. If you are found not to have given accurate information, it may weaken your case. If you have been injured in an accident, you should make an appointment to see your doctor as soon as possible. This will ensure that any broken bones are properly set and that any other injuries are documented. Making an appointment with your doctor as soon as possible also ensures that your medical expenses are covered under the accident's No-Fault benefits. If your No-Fault claim gets denied by the insurance company, or you wish to pursue a liability claim for pain and suffering, or other damages, you will have to file a suit. If you do this it is advisable to have a knowledgeable lawyer by your side.