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How to File a Motor Vehicle Claim If your vehicle is damaged due to an accident, you'll need to submit an insurance claim. It is important to understand how this procedure works. Insurance companies will send an adjuster to look over your vehicle damage. It is not necessary to be present when an adjuster inspects your vehicle damage, but you must bring along your insurance policy and any other relevant documentation. Take Pictures Have you ever viewed an action-packed crime show where investigators capture every detail, from footprints to chocolate wrappers being thrown away? Apply the same method to your accident scene. It is important to capture as much of the event as you can as it occurs, so that you have something concrete to prove your case in the future. Photographs of the damage to both cars is a must, but also consider taking photos of the area that has been damaged. These photos can help insurance companies as well as expert witnesses in determining the size of the various objects. Photograph reference points, such as the location of traffic lights or stop signs, in your photographs. These could be later linked to the at-fault driver's actions that led to the crash. Take pictures of other drivers and their passengers, as well as any witnesses. motor vehicle accident lawyer redondo beach might be able to capture a photograph of their license plate. In addition, capture images of emergency responders and their vehicles. And if anyone is put on a gurney and then into an ambulance, snap an image of that as well. If your lawyer or court has ordered you to, only upload the photos. You could accidentally give evidence that is against your claim if you don't. If you change the date on your photographs the insurance company might be skeptical about your claim. Seek Medical Attention In the event of an accident, the first thing you have to do is seek medical attention. Not only is this crucial for your own health however, it also ensures that any injuries you may have are documented. In many personal injury cases, compensation is sought for medical bills and damages. This is why medical records are essential to the success of your claim. Even if there aren't any symptoms you can observe you should make an appointment to see your primary health care provider or an emergency room. Your doctor will be able to provide you with a full medical examination and determine the severity of your injuries. They will also be able provide you with the treatment you require. It is important to follow your doctor's recommendations regarding your treatment plan as this will help you recover faster and strengthen your case. This includes taking your prescriptions and any prescription or over-the-counter medications taking part in a physical therapy program, following orders regarding time off work, and completing any subsequent appointments. It is important to avoid saying anything that an insurance adjuster may mistakenly interpret. This is because the insurance company may attempt to discredit your injuries in order to deny your claim or lower the amount they will award you for your claim. It is essential that you only speak with insurance adjusters with your attorney present. Contact an attorney Legal representation is crucial for those injured. Attorneys can assist those who have been injured manage their stress and determine where they should concentrate their efforts. Attorneys can also weigh the facts and evidence of the case to determine if it's worth fighting in court. Insurance companies are businesses first and foremost. Their goal is to collect the highest amount of money from their insureds while paying out the least amount of money that is possible (in the sense of). If you're at the scene of an accident, it could be tempting to take the low-ball offer at first since it appears to be the easiest way to go. This can have disastrous consequences in the future. If you submit an insurance claim the insurance adjuster will come out to assess the damage to your vehicle and will look over receipts for personal property damage and medical bills. They may also interview witnesses and look over police reports. It is often helpful to get repair estimates from local auto shops or contractors before meeting with the adjuster so they are aware of what to expect in terms of repairs. An experienced motor vehicle lawyer can ensure that all required information is provided and that the correct documents are provided to the insurance company. The attorney can also give advice and suggestions about how to deal with an insurance adjuster, the best way to handle the settlement, and what to do when an insurance company is unresponsive or acting unethically.