Auto Accident Claim

Are you among the more than 5 million people in the United States who get into an automotive accident every year?

If so, you and the other driver involved need to take action to protect yourselves legally and financially.

Every state has different rules and regulations when it comes to file an auto accident claim. Knowing how the process works and what you can expect will help you navigate it successfully.

Use the information below to learn how the process works.

File an Auto Accident Claim: The Basics

If you have been in an auto accident case, the first thing you should do is call your insurance company to report the accident.

They will then ask you for some basic information about what happened and will assign you a claim number. Once you have it you will need to provide your insurance company with a copy of the police report and any other documentation you have related to the accident.

Your insurance company will then investigate the accident and determine who was at fault. If they determine that you were not at fault, they will contact the other driver’s insurance company to begin the process of getting your repairs paid for.

Gather the Necessary Documentation

This includes a copy of the police report if one was filed; photos of the damage to your vehicle; and any medical reports or bills related to injuries you or your passengers sustained.

You should also keep track of any repair estimates, as well as any missed work days and associated lost wages. Once you have all this documentation, you can start the claims process with your insurance company.

Submit Your Claim to the Insurance Company

It is very important to submit your claim to the insurance company as soon as possible after an accident. The insurance company will need to investigate the accident and determine who was at fault.

They will also need to determine how much money you are entitled to. If you delay submitting your claim filing deadline, the insurance company may deny your claim.

Handle a Denied Claim

Check the denial letter to see why the claim was denied. If it is for a technical reason, such as a missing signature, you can often resubmit the claim with the required information and get it paid.

If the denial is for a more substantive reason, such as a treatment being denied as not medically necessary, you can appeal the decision. The company should have a process for appeals, and if you follow it, you may be able to get the treatment covered. 

Obtain A Settlement

The best way to obtain a settlement from an auto accident claim is to consult and view your options for an experienced personal injury attorney. An attorney will be able to help you collect the necessary evidence to prove your case and will be able to negotiate with the insurance company on your behalf.

It will also be able to file a lawsuit on your behalf if the insurance company does not offer a fair settlement.

Fight For What’s Right

If you’ve been in a car accident, you may be wondering how to file an auto accident claim. This guide will walk you through everything you need to know, from gathering evidence to dealing with insurance companies. After reading this guide, you’ll know exactly what to do if you ever find yourself in this situation.

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