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How to File a Motor Vehicle Claim You'll need to file an insurance claim in the event that your vehicle has been damaged. It's important to understand how this procedure works. Insurance companies will send an adjuster who will inspect the damage to your vehicle. It's not always mandatory to be present at the inspection, however you should bring your insurance policy along with any other relevant documentation. Take Pictures Have you ever seen a crime series where the investigators photograph every detail from footprints to chocolate wrappers thrown away? Make use of the same level attention when looking over your accident scene. It is crucial to record as much of the incident during the time it occurs so that you can have something concrete to prove your case later. Taking photos of the damage to both vehicles is essential however, you should also think about taking close-ups of the areas damaged. These can assist insurance companies and experts determine the size of certain objects, such as skid marks. Photograph reference points, such as the location of traffic lights or stop signs, in your photos. These can later be tied to the actions of the driver at fault that caused the crash. Photograph the other drivers and their passengers as well as any witnesses. You might be able to get a photo of their license plate. In motor vehicle accident lawyer oakland , capture images of emergency responders and their vehicles. If someone is placed on a gurney or in an ambulance, snap an image of that as well. If your lawyer or court has ordered you to, only upload the photos. If you do not, you could be providing evidence against your own claim. For instance, if it is changed the date stamp on your photos after the accident, it could cause insurance companies to doubt the validity of your claim. Seek medical attention The first thing you need to do after an accident is to seek medical attention. This is not only for your health but also to ensure any injuries are documented. In many personal injury cases you will be seeking compensation for medical expenses and damages. Medical records are essential to 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 provide you with an evaluation of your injuries, and also perform an exhaustive medical assessment. They will also to provide you with the treatment that is needed. Follow the doctor's treatment plan will allow you to recover faster and make the case stronger. This includes filling your prescriptions, taking any non-prescription medication, participating in physical therapy, following orders about time off of work, and attending follow-up appointments. It is crucial to avoid saying anything that an insurance adjuster might miss-interpret. The insurance company may try to discredit the damage you've suffered to reduce or deny the amount of compensation you receive. This is the reason it is advised that you do not speak to any insurance adjuster unless you have an attorney present with you. Contact an attorney Legal representation is crucial for those who have been injured. Attorneys can help injured parties manage their stress and help them decide where to concentrate their energy. Attorneys can also weigh the facts and evidence of the case to determine if it's worth fighting in court. The insurance company is first and foremost a business and their aim is to get as much money from insureds as they can, while making payments as minimal as possible (in the sense of). It may be tempting, when in the middle of an incident to accept a low-ball settlement because it's the simplest thing to do. It could result in disastrous consequences in the future. If you file a claim with your insurance company, an adjuster will come to your home to evaluate the damage caused to your vehicle. They will also examine receipts for medical bills, as well as personal property damage. They may also interview witnesses and look over police records. Before meeting with an adjuster, it is helpful to obtain estimates for repairs from local auto repair shops or contractors. This will help them understand what they can expect for repairs. An experienced motor vehicle attorney can ensure that all the required information is in place and the correct documents are presented to the insurance company. He or she can provide advice and provide suggestions on how to handle a claims adjuster, how you should handle a settlement, and what to do in the event of an insurance provider being unresponsive or acting in a way that is unethical.