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How to File a Motor Vehicle Claim If your vehicle is damaged in an accident you will submit an insurance claim It is important to understand the procedure Insurance companies will send an adjuster who will inspect your vehicle damage There is no requirement to be present when an adjuster inspects the damage to your vehicle However you should bring along your policy and any other relevant documentation Take Pictures Have you ever watched a show where investigators comb over every square inch of the scene and take photos of every little detail from footprints to chocolate wrappers that have been tossed away Apply the same level of scrutiny when examining the scene of your accident It is crucial to keep the fullest extent of the incident at the time it occurs so you can prove your case later It is essential to take photos of both vehicles however you should also think about taking pictures of the damaged components These can assist insurance firms and expert witnesses assess the size of certain objects including skid marks In your photographs include important points of reference such as the location of stop signs or traffic lights They can later be linked to the atfault drivers actions that led to the crash motor vehicle accident law firm laguna niguel and their passengers as well as witnesses You may be able to get a photo of their license plate Photograph emergency responders their vehicles and anyone who is seated on a gurney andor an ambulance Dont submit the pictures to the insurance company when requested by your attorney or if you are required to do so by a court You could accidentally provide evidence that is against your claim if you dont If you change the date on your photos the insurance company could doubt your claim Seek Medical Attention The first thing you should do after an accident is to seek medical attention This is not just for your health but also to ensure that any injuries are documented In many personal injury claims compensation is sought for medical expenses and damages Medical records are vital to the claim Even if there are no symptoms that you are able to identify it is important to make an appointment with your primary doctor or an emergency room Your doctor will be able to provide you with a thorough medical evaluation and assess the severity of your injuries They can also to give you the treatment that is needed It is crucial to follow the advice of your physician regarding your treatment plan since this will allow you to recover quicker and strengthen your case This includes taking your prescriptions and any prescription medications that are available as well as participating in a physical therapy program complying with the doctors orders regarding time off work and attending any subsequent appointments It is important to stay clear of saying anything that an insurance adjuster may mistakenly interpret This is because the insurance company could attempt to discredit your injuries in an effort to make your claim untrue or reduce the amount they will award you for your claim It is crucial that you only talk to adjusters with your attorney present Contact an Attorney Legal representation is crucial for those who have been injured Lawyers can help injured people deal with their stress and help them decide where to concentrate their efforts Attorneys can also consider evidence and facts to determine whether a case is worthy of fighting in court Insurance companies are businesses first and foremost Their aim is to get the maximum amount of money from their insureds while making the smallest amount of money in the theory It may be tempting when at the scene of an incident to accept a lowball settlement offer as its the easiest thing to accomplish This is a mistake that can result in devastating consequences in the future If you submit a claim to your insurance company an adjuster will be sent to your home to evaluate the damage done to your vehicle They will also examine receipts for medical bills as well as personal property damages They may also interview witnesses and read police reports Before meeting with an adjuster it is helpful to obtain estimates for repairs from local auto shops or contractors This will allow them to be aware of what to expect with regards to repairs An experienced motor vehicle attorney can ensure that all the required information is provided and that the proper documents are given to the insurance company He or she can offer advice and make recommendations on how to deal with the claims adjuster how to you should handle a settlement and what to do in the event of an insurance provider being unresponsive and acting unethically