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How to File a Motor Vehicle Claim If your vehicle is damaged by an accident, it is necessary to file an insurance claim. It is important to understand how this process works. Insurance companies will send an adjuster to inspect the damage to your vehicle. It's not required to be present during the inspection, but it is recommended to bring your insurance policy along with any other relevant documentation. Take Photos Have you ever seen any crime show in which the investigators photograph every detail, from footprints to chocolate wrappers that are thrown away? Apply the same level of focus when looking at your accident scene. It is essential to keep as much as possible of the incident as it happens, so you can show your case later. Taking photos of the damage to both cars is a must however, you should also consider taking close-ups of the damaged areas. These can help insurance companies and expert witnesses to determine the size of specific objects, such as skid marks. Capture reference points, like the location of traffic lights or stop signs, in your photographs. These can later be tied to the actions of the driver at fault which led to the crash. Take photos of other drivers and their passengers, as well as any witnesses. You may be able to take a picture of their license plate. Photograph emergency responders, their vehicles, and any person who is placed on a gurney, or into an ambulance. Don't submit the pictures to the insurance company when you are instructed by your attorney or ordered to do so by a court. You could unknowingly be giving evidence that is against your claim if you do not. For instance, if you alter the date stamp on your photos after the incident, it may cause the insurance company to question the legitimacy of your claim. Seek Medical Attention When an accident occurs, the first thing you need to do is seek medical attention. Not only is this crucial for your own health however, it also ensures that any injuries you have are documented. In many personal injury cases you will be seeking compensation for medical expenses and damages. This is why medical records are essential to the success of your claim. Even if you're not experiencing any noticeable symptoms, you should make an appointment with your primary doctor or an emergency room. Your doctor will give you an evaluation of your injuries and conduct an extensive medical examination. In addition they will be able to give you the needed treatment. It is important to follow the advice of your doctor regarding your treatment plan, as this will help you recover faster and help strengthen your case. This includes taking your prescriptions and any other medications available over the counter and participating in a physical therapy program, taking the time off as directed by your doctor, work, and attending subsequent appointments. In this process, it is important not to say anything that could be incorrectly interpreted by an adjuster from the insurance company. This is because the insurance company might attempt to deny your injuries in an effort to make your claim untrue or reduce the amount of money they'll pay you for your claim. This is why it is suggested that you not speak to any insurance adjusters unless you have an attorney present with you. Contact an attorney Legal representation is crucial for injured parties. Attorneys can assist those who have been injured reduce stress and know where to concentrate their energy. Attorneys can also evaluate the evidence and facts of an incident to determine if it is worth fighting in court. Insurance companies are businesses first and foremost. Their aim is to get the maximum amount of money from their insureds, while paying out the least amount of money (in theory). If you are in the midst of an accident, it can be tempting to accept a lowball offer early on because it's the most convenient option. motor vehicle accident attorneys pennsylvania could lead to disastrous consequences in the future. If you submit an insurance claim, the insurance adjuster will come out to examine the damage to your car and will review receipts for personal property damages and medical bills. They will probably also interview witnesses and review police reports. It is often helpful to get estimates on repairs from local contractors or auto shops prior to meeting with the adjuster so they are aware of what to expect in terms of repairs. An experienced motor vehicle accident attorney can ensure that all information required is provided promptly and that the right documents are provided to an insurance company. He or she can provide advice and suggestions on how to deal with an insurance adjuster, how to deal with a settlement and what to do when an insurance company is unresponsive or is acting unprofessionally.