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Tips For Filing a Car Accident ClaimIn states with no-fault insurance you could have to sue the driver in a small claims court. Before you do this it is recommended to consult an experienced attorney for accidents.The insurance company of the other party will investigate your claim and determine liability for the collision. They will then award you compensation for your injuries and car damage, as well as damages such as pain and suffering. The process usually involves the following steps:Gathering InformationIf you are able to do this at the scene of the crash while it is still safe you should take photos of all the vehicles involved in the crash including the damage, as well as any injuries that may have occurred. These photos will help establish that the incident occurred in the manner you described it. Additionally, take photographs of the scene including any skid marks or debris that may be present.It is also important to get the names, addresses and phone numbers of eyewitnesses, if possible. They may be able to provide evidence later on as to what caused the accident and who was at fault. In certain instances eyewitness testimony may be the most valuable piece of evidence in the case.Get auto accident attorney laguna niguel of everyone who were involved in the accident. You'll need to know the name of the insurance company along with the policy number and contact details along with the license plate number and driver's name. These details should be obtained as soon as you can to avoid doubts or disputes later.Documentation of medical bills and treatment could be extremely helpful for a claim. Maintaining receipts for prescription pain medications and other expenses incurred as a result of the crash could be helpful in proving claims for damages in the claim. Also, if you are unable to work due to your injuries, it's crucial to keep the track of your wages lost.Filing the ClaimIt is recommended to file a claim as soon after the accident as possible should you be able to. This gives the insurance company an chance to review all of your documents and then get to work. It also ensures that your claim is in compliance with the deadlines stipulated by New York law.When filing an insurance claim for a car it is necessary to provide details about the accident, as well as any injuries that you sustained due to it. The information you provide will be used to calculate damages, including compensation for medical expenses lost wages, damage to property and pain and discomfort.The insurance company may also need to determine fault, should it be necessary. The final police report may serve as a reference point. It is essential to remember that determining who is to blame isn't always an easy task. In some cases even if you believe the crash was your fault, other factors may have contributed to the crash. For instance, New York is a state with a comparative fault meaning that your damages will be reduced by the percentage of fault you have.The insurance company will assign an adjuster to your case. It is important to have your attorney present when you meet with the adjuster. They'll be able to offer an objective viewpoint and assist you negotiate a fair settlement. If you are unable to reach a settlement that is acceptable, you may have to take your case to court to get the money you are entitled to.Inspecting the damageThe insurance company will need to visit the scene of the accident to examine the accident for themselves. They'll probably question you and the other people involved in the accident, talk to eyewitnesses and look at your vehicles. They will also review your medical records, expenses and lost wages to gain a better understanding of the impact that the accident had on you.While you wait for police to arrive at the scene You can take photos using your mobile phone. This will allow you to record the skid marks and damage on both vehicles and the exact location of the vehicles.If you are sure, you can exchange insurance and contact information with other drivers involved in the crash. Note down each person's name address, phone number, address and insurance company, policy numbers and driver's licence information. Also note the car's make, year and license plate number.It's tempting to point fingers at another driver in the heat of the moment but this could be a backfire. Keep your cool and don't acknowledge fault or guilt. If you can, it's a good idea to also collect the names and telephone numbers of any witnesses who witnessed the collision.Negotiating the SettlementNegotiating a settlement for an accident in the car can be difficult, especially if you are faced with medical bills and lost income. Fortunately the process can be made easier by hiring a knowledgeable lawyer to negotiate all negotiations with the insurance company on your behalf. An lawyer will have a better understanding of the law and the method of calculating your total damages and losses and what to expect from an insurance company during settlement negotiations.The first step in the settlement process is to write your demand letter, which includes your demand for the amount you require to cover your injuries and expenses. Your lawyer can assist you to compile this information and include any other documentation that supports your request. If you submitted photos of your vehicle or injuries that were particularly severe to the insurance adjuster, your lawyer would mention them during negotiations. Your lawyer will remind the adjuster of the damages you suffered due to pain and suffering. These are based on the emotional stress and mental agony you have suffered as a result of the accident.If you employ a lawyer to negotiate a settlement on behalf of you Insurance companies take claims much more seriously and generally offer higher settlements. If the insurance company refuses to provide a fair settlement, your attorney will make a claim and represent you in court.