With motor vehicle insurance premiums increasing, it is important that you understand precisely how to lodge a successful claim should you be involved in an accident. It is always everyone's hope that there will be no incident to warrant claims on insurance - that is staying free of accidents. All the same, it is very important to know how to win when making auto accident personal injury claims as you never know when an accident will occur. This article presents some very important steps that you need to follow to ensure a win or success in lodging your auto accident personal injury claims.
Get all the pertinent information
If your car has been involved in accident, do not be tempted to drive from the scene. Instead, you should ensure that your car is safe and well protected. If the car is in the middle of the road, you should pull over. Let some body help you if you are injured hence you cannot do this yourself. If the accident is significantly serious of you or somebody else is injured, you should inform the police as this will be helpful should there be any legal follow-up after the incident.
It is important to exchange information with any other person involved. Therefore, you should give your name, location address, contact information as well as the name of your insurance company and make sure that you get similar information from the other person or people. It is also worthwhile to make a note of the car model and make as well as the car's registration number.
Witnesses at the scene are also deemed to hold vital information about the accident, so it is important to take their details too. A word of caution is that whatever you do at the scene of the accident, you should offer to compensate any other drivers as this would invalidate your claim. However, if the other driver admits liability, you should note this down.
Take a photograph of the scene
Auto accident personal injury claims are well supported by photographic evidence. Use your mobile or camera to take shot of the accident scene. If you are not in a position to do this yourself, you should request someone to assist you. The photos should be taken at many angles as possible as this could be more evidence that you indeed deserve the compensation from your insurer.
Report the matter
You should report the misfortune to your car insurer as soon as it is possible. The earlier you file your report, the faster the insurance company will take on the matter to investigate the validity of your claim. Insurance companies usually have a set of rules that they follow when handing auto accident personal injury claims. You should acquaint yourself with the details so that you will be an informed and active participant when it comes to settling the claim. The insurance company will case its decision on the evidence you present regarding the accident, hence it is important to ensure that you provide as much of this as described in the first two steps above. Typically, insurance claims adjusters do not have a legal background, so you should feel free to present questions in areas that you do not understand and expect straightforward answers free of legal jargon.
Get an attorney if need be
If you cannot come to an agreement with your insurer, you need to hire personal injury attorney. However, it is important to note that if you work with an attorney, your final compensation may be reduced after paying the legal fees.