Accidents are often unpredictable, and one of the most common types of accidents is a car crash. The emotional, physical, and financial toll that an auto accident puts on the victim and their family can be overwhelming. While nothing can make up for the emotional trauma that a victim suffers, a car insurance claim can provide the victim with compensation for damages, such as medical expenses and property loss. To learn more about the right way to handle everything in the aftermath of a car crash, you should connect with a San Antonio auto accident lawyer. They can simplify the process and guide you through all of the steps you need to take.
Insurance Claims Process for Car Accidents
- Seek medical attention for injuries: It is important to seek medical attention for any injuries immediately. If you do not attend to them quickly after being involved in an accident, the driver at fault may argue that you bear some responsibility for the severity of your injuries. Even if you do not have any immediate signs of severe damage, it is a good idea to have a doctor assess you, because some injuries can take longer to appear.
- Gather as much information at the accident scene as you can: It is essential to gather evidence at the accident site, if you are in the condition to do so. You can photograph the crash scene from a variety of perspectives, as well as any vehicle damage or physical injuries. You should also try to obtain contact information for witnesses who saw the accident happen or anyone else involved in the crash.
- Report the accident to your own insurer: You will need to report the accident to your insurance company as quickly as possible regardless of whether you plan to file a car accident insurance claim with your own insurance company or the negligent party’s insurer. It is also important to just stick to the facts when you talk to your insurance company.
- File an official report: If you are at the accident site, you should contact the police to file an official report. You can also speak to the paramedics and witnesses on the scene. When you file a claim, you can provide a copy of the official police report. This may be beneficial because it can speed their investigation, thus helping you receive money more quickly.
- Hire a legal professional: And last but not least, if you have suffered an injury in the crash, you should consider hiring a legal professional as soon as possible so that you can receive the proper assistance at every stage. Your lawyer can negotiate with the insurance company on your behalf to reach a reasonable settlement from your car accident insurance claim.
Information to Have on Hand When You File a Claim
Most major insurers allow you to file a claim in a number of different ways. You can call the insurance company soon after the accident occurs to speak to them about how to proceed. You can also file a claim through the insurance company’s mobile app, by email, or through the insurer’s online claims portal on its website.
By filing a claim through the app or online, you can also check on the status of your claim at any time, as well as view or upload documents as the process moves forward. Some of the things you may need to provide during the claims process include:
- A copy of the official police report from your accident. If you still do not have it, you can call the police department and request a copy.
- The insurance policy number and name for all drivers involved in the accident.
- The contact information for the passengers who were in your vehicle at the time of the accident.
- Documented evidence and clear pictures of the damage that your vehicle incurred.
- The contact information for a trusted repair shop for a second opinion on your damage estimate.
- Documentation of any accident-related bodily injuries, including your initial doctor/hospital visit, the results from that visit, and any other information that might be relevant to your case.
If you were involved in an auto accident that was not your fault, whether you may file a claim with the negligent party’s insurance company instead of your own insurance company can depend on the type of insurance you have and where you are located.
You may still have to pay a deductible to your insurance company until you can be reimbursed for your out-of-pocket expenses. It can be important to stay on top of the claims process to ensure that the insurance company fairly compensates you.
A lawyer with extensive experience handling car accident insurance claims can be valuable in these types of situations. Contact an attorney today to learn about the options available to you for pursuing the compensation that you deserve.
If your own insurance company cannot recover the cost of your deductible, you may be able to do it on your own. A reputable San Antonio personal injury attorney can provide you with guidance in such situations. To avoid any unnecessary stumbling blocks in the process, seeking representation from an experienced lawyer can be helpful and improve your chances of receiving compensation.