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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 crucial to know the procedure. An adjuster is sent by the insurance company to assess the damage to your vehicle. You don't have to be present when an adjuster looks over the damage to your vehicle, however you should bring along your policy and any relevant documentation. Take Pictures Have you ever watched an action-packed crime show where investigators capture every aspect, from footprints to chocolate wrappers thrown away? Apply the same method to your accident scene. It is important to capture as much of the incident as possible when it happens, so that you have evidence to support your case later. It is important to capture photos of both vehicles, however you should also take close-ups of the damaged parts. These photos can help insurance companies, as well as expert witnesses in determining the size of the various objects. In your photos, you should include references to points of reference, such as the location of stop signs or traffic lights. These can be used to determine the actions of the driver who was at fault that caused the accident. Take photos of other drivers and their passengers, as well as witnesses. You may be in a position to snap a photo of their license plate. Take pictures of emergency responders, their vehicles and any person who is placed on a gurney or into an ambulance. If your attorney or court has commanded you to, only provide the photos. Otherwise, motor vehicle accident law firm fort smith could unwittingly give evidence in support of your own claim. If you change the date on your photographs your insurance company may be skeptical about your claim. Seek Medical Attention When an accident occurs the first thing to take is to seek medical attention. This is not just for your health but also to ensure that any injuries are recorded. In many personal injury claims you will be seeking compensation for medical bills and other damages. This is why medical records are essential to the success of your claim. If there aren't any symptoms that you are able to identify it is important to make an appointment with your primary care physician or an emergency room. Your doctor will be able to provide you with a thorough medical examination and determine the extent of your injuries. They will also be able to provide you with the treatment that is needed. It is essential to follow the advice of your doctor regarding your treatment plan as it will help you recover faster and strengthen your case. This includes filling your prescriptions, using any over-the counter medication, participating in physical therapy, complying with instructions regarding time off from work, and attending follow-up appointments. During this process, it is crucial not to say anything that could be mistaken by an insurance adjuster. This is because insurance companies may attempt to discredit your injuries in order to deny your claim or lower the amount they'll pay you for your claim. It is important that you only talk to insurance adjusters with your attorney present. Contact an attorney The ability to access legal representation is critical for those injured. Attorneys can assist those who have been injured manage their stress and help them decide where to focus their energies. Attorneys can also weigh evidence and facts to determine if a case is worth fighting in court. The insurance business is, first and foremost, an organization and their mission is to get as much money from insureds as they can while paying out as little as they can (in the theory). If you are at the scene of an accident, it might be tempting to accept the low-ball offer at first since it appears to be the easiest decision to make. This is a mistake that can have disastrous consequences down the road. If you file an insurance claim, the insurance adjuster will be out to examine the damage to your car and will review receipts for personal property damage and medical bills. They may also interview witnesses and look over police reports. It is often helpful to get estimates on repairs from local contractors or auto shops before meeting with the adjuster so they know what to expect in terms of repairs. An experienced motor vehicle attorney can ensure that all the necessary information is included and that the correct documents are provided to the insurance company. They can offer advice and recommendations on how to handle a claims adjuster, how deal with a settlement, as well as what to do in the event that an insurance company is not responsive and is acting in a shady manner.