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How to Document a Motor Vehicle Claim The process of filing an insurance claim following an accident is called a motor vehicle claim. This report will allow them to look into your insurance and determine the amount they will be liable for damages. You should make your claim as fast as you can after the accident. You will need to have the police report and your insurance card as well as declaration pages. What should you do after an accident? Immediately after a collision, capture photos and videos from different angles to document the accident. The scene could change rapidly, witnesses may leave and evidence may disappear. Then, get all the drivers names and addresses, as well as phone numbers and insurance details (and insurance policy numbers) if possible. Also, note the year, make and model of each vehicle and any other important information, such as damage and license plate numbers. Asking every driver if they were wearing seatbelts, if there were passengers with them, and determining their gender and age is also helpful. Many times, injuries sustained in motor vehicle accidents are not apparent until a day or two following the crash. It is essential to seek medical attention immediately even if you think that you're not injured. If you're able to move vehicles out of traffic to avoid any further injuries or damages. Also put up flares or reflective emergency triangles in order to deter other drivers from hitting them. motor vehicle accident attorneys grand rapids to the authorities if you can. It is crucial to report the incident even if it seems like it was minor, since the other driver could later deny the accident occurred and their insurance company could decline to pay for your claim. Getting Started A claim is the process by that you inform your insurer of a loss, and ask them for the cost. This could be the cost of repairs to a vehicle or medical expenses caused by an accident. Before you file a claim, make sure that you have all the necessary information to file your claim, including contact information for all those involved, receipts for personal property damaged and any medical bills. Also, you should have the accident report as well as photographs of any damage. Your insurance company will assign a claim adjuster, who will be the person responsible for your claim. They will review the information you have provided following the incident and conduct an investigation of their own. This will help them determine the cause of the accident as well as who is at fault. After they have a complete knowledge of what transpired, your adjuster will inspect the damage to your vehicle. You may be present during the inspection, or give a list of repair quotes from local auto repair shops or contractors. If the insurance company believes that the damage to your vehicle is too costly to fix they will send you an invoice for the value of your car. You can use the funds to buy a new car or to pay off your loan or lease. If you are able to file a claim insurance premiums could rise. Do everything you can to show that the incident wasn't your fault. Documenting the incident Documenting an accident is essential in the event that you're involved. Insurance companies will search for documentation to support claims made by you or others. In reality the evidence collected and documented can be the difference in most cases. It's essential to have all of the information whether it's photos of the scene of an accident and witness statements, or medical records showing consistent treatment. When you are investigating the collision, be certain to note the license number of the other driver and vehicle information. Also, take the names and contact numbers of any witnesses. If possible, try to capture photos or draw diagrams of the accident scene. This will help to show what happened at the site of the crash, and the reason for the crash. Documentation also contains details of the accident, including the exact location of the incident and the direction of travel, as well as any other relevant landmarks or areas. It is important to include a description of any injuries sustained as well. It's also important to note any damage and how it happened. Documenting the accident is essential because over time memories fade, and stories may change. It's a great way to tell the whole truth. Even if it's your fault having the facts documented will help in determining the extent of liability, if any, should be transferred to you. Finding Help Contact your insurance company as quickly as possible after the police report has been filed. A lot of insurers allow you to make a claim through your smartphone or tablet. It's recommended to get a check from your insurance company for the value of your vehicle. This will be helpful when you are planning to purchase an additional vehicle and your car is “totaled”. You can pay off your loan and/or lower your monthly payment in the event that you owe money on your vehicle. Your representative will ask a series of questions before sending you a document to fill out. It is essential to be truthful and precise when supplying information. If you are found not to have provided accurate information, it could hurt your case. If you've been injured during an accident, schedule an appointment with your doctor as soon as possible. This will ensure that broken bones are properly set and that all other injuries are documented. If you visit your doctor as soon as possible you can ensure that your medical expenses are covered by accident-related 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'll need to file a lawsuit. If you do this it's a good idea to have a seasoned lawyer by your side.