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How to File a Motor Vehicle Claim You will need to file an insurance claim if your vehicle has been damaged. It is important to know how this procedure operates. Insurance companies will send an adjuster to inspect your vehicle damage. There is no requirement to be present when an adjuster checks the damage to your vehicle. However, you must bring along your insurance policy as well as any relevant documentation. Take Photos Have you ever seen a crime-show where the investigators go through every square inch of the scene, taking photos of every tiny detail, from footprints to discarded chocolate wrappers? Apply the same level of examination when examining your accident scene. It is important to take note as much as possible of the incident when it occurs, so you can be able to prove your case later on. It is essential to take photos of both cars, but you should also think about taking photographs of the damaged parts. These photos can help insurance companies, as well as expert witnesses as they determine the dimensions of various objects. Record reference points, such as the location of traffic lights or stop signs in your photographs. These can be used to determine the actions of the driver at blame for the crash. Take pictures of other drivers and their passengers as well as any witnesses. motor vehicle accident law firm lincoln may be able to take a picture of their license plate. Photograph emergency responders, their vehicles, and anyone who is put on a gurney and/or an ambulance. If your attorney or the court has ordered you to submit photos, only provide the photos. You could be knowingly giving evidence that is in opposition to your claim if you do not. If you change the date on your photos, the insurance company may doubt your claim. Seek Medical Attention The first thing you should do following an accident is to seek medical attention. This is not only for your health but also to ensure that any injuries are documented. Many personal injury lawsuits involve seeking reimbursement for medical expenses and other damages. This is why medical records are vital to the success of your claim. Even if you're not noticing any obvious signs, you should take a visit to your primary physician or an emergency room. Your doctor will be able provide you with a full medical evaluation and assess the severity of your injuries. Additionally, they will be able to provide you with the necessary treatment. Follow the doctor's treatment plan will help you recover faster and help strengthen your case. This includes filling your prescriptions, taking any of the over-the-counter medication, participating in physical therapy, complying with instructions on time off of work and attending follow-up appointments. It is crucial to avoid saying anything that an insurance adjuster might miss-interpret. This is because the insurance company could attempt to deny your injuries in an effort to deny your claim or lower the amount of money they'll pay you for your claim. This is the reason it is advised that you do not speak with any adjusters from insurance companies unless you have an attorney present. Contact an attorney Legal representation is crucial for injured parties. Lawyers can assist them in managing their stress and understand where to focus their energy. Attorneys are also able to weigh evidence and facts to determine whether a case is worthy of fighting in court. Insurance companies are businesses first and foremost. Their objective is to collect the maximum money from their insureds while paying the lowest amount of money that is possible (in theory). If you are at the scene of an accident, it might be tempting to take a lowball offer early on because it's the simplest option. This is a mistake that can cause a lot of damage down the road. When you submit an insurance claim, the insurance adjuster will come out to assess the damage to your car and review receipts for personal property damages and medical bills. They might also question witnesses and review police reports. It is a good idea to obtain estimates for repairs from local auto shops or contractors before meeting with the adjuster so that they know what to expect when it comes time to repairs. An experienced motor vehicle attorney can assure that all required information is provided and that the correct documents are provided to the insurance company. The attorney can also provide advice and recommendations about how to deal with an insurance adjuster, how to manage the settlement process and what to do when an insurance company doesn't respond or is acting unprofessionally.