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Car Accident Personal Injury Insurance Claims

Updated on April 13, 2015

Reacting to Road Accident

In the event that you are involved in a can accident, the first thing that you need to do is consult s car accident attorney or lawyer. Each year, people continue being involved in car accidents either through collisions or rolling resulting into property or personal injuries. In most cases, these results in filing claims for injuries and damages with your local insurance company or that of the other motorist.
Road accidents are different and so are the car accident personal injury insurance claims. This means that there are universal procedures that are taken to ensure that the proper and appropriate compensation is done for any form of damages or loss incurred. Below is am overview of the steps to take in the unfortunate event that you are involved in a car accident.

At the Accident Scene

The basic rule is to make sure you and your passengers are safe as well as those in the other car as well. Before anything else, call or request those who are able to call the local paramedics. People do not have to appear injured however minor the accident may appear.

Physical, Psychological and Internal Injuries

There are three types of car personal injuries which are critical; physical, psychological and internal. Since you might be in shock or traumatized, you might not be able to make sound judgment. Calling the paramedics is good not only for health reasons for you and other victims but for a successful filling of your car accident personal injury insurance claims and ensuring everyone is accorded sound medical care promptly.
While at the accident scene, call the police however minor the accident may appear. The police officers will make a report indicating the time it occurred, record statements of victim and witnesses if any. This helps in ascertaining which motorist was at fault using set legal procedures. This makes it easy when it comes to making your car accident personal injury insurance claims.

Exchange Documents

In order to make it easier for follow up, it is important to get the name, address, driving license details and the insurance details of the other driver and car respectively. In addition, you need to get the address and other relevant information of any willing witnesses at the accident scene.

Scene of Accident Photographs

It is advisable to take photos of the accident should you have a camera with you. Photographs provide the best evidence. Key areas of taking snaps include not limited to the involved vehicles, road sign location, any visible skid marks as well as impact resulting debris. Sometimes, weather conditions contribute to road accidents thus if there is something to note about it, include it as part of the evidence. Lastly, avoid making any utterances that might be used against you in court.

Seeking Medical Care

Once done with the scene of the accident, you need to seek medical care promptly and be checked for any form of injuries. Give a detailed account of the accident. Once examined, follow through your medication and attend to all appointments as advised by the medical specialist. Additionally keep all the records including any expenses incurred since these help during your car accident personal injury insurance claims process. On the other hand, note any symptoms, pains and continuing medication. Any successful claim will be as a result of well kept documents that show relevance to your condition and the accident.

Handling the Insurance Company

Contacting the insurer ad soon as is possible to report the accident is advisable. Once reported, you get assigned with a claim number and a claims adjuster to help you with the entire claims process. You are required to provide a detailed account of the accident which the insurance service provider documents. On the other hand, the service provider will assess any damages on your car and determine if it ca be repaired or written off. Most insurance companies will provide you with a car to use and the expenses paid for by the victim at fault insurer later. You or your insurance company should notify the other cars' insurer and this needs to be handled professionally. Be careful when providing your medical information; this should be confidential and you might require a lawyer's advice.

Hire a Personal Injury Attorney

Dealing with insurance companies can be a tricky affair. Once you have been involved in a car accident providing the necessary documents might require the use of a lawyer's services. The law practitioner will assist you in assembling the necessary documents which helps in the claim settlement process. It is the responsibility of the attorney to commence and complete the fact finding and raise the right compensation demands on your behalf. This way your car accident personal injury insurance claims will be settled fast and diligently.


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