When you’re putting together a damage claim following a car crash, you want to be sure that you’re doing everything you can to protect your rights to compensation. Submitting a car accident claim can be a very fact-orientated process. Since the insurance adjuster was not present at the time of the auto accident, he or she will need all of the documents possible in order to evaluate your claim. Some of the car accident demand letters SERNA & ASSOCIATES PLLC has prepared have been more than a thousand pages long. This is due to the extensive medical records of our clients accumulated. Other times, insurance companies have done their due diligence into investigating the accident. So documentation is minimal. But one thing you need to keep in mind is that your attorney will need to examine all relevant documents. This helps assess your case and determine how much compensation you are entitled to.
When it comes time to settle your claim, you most likely have finished treating the injuries you suffered from the accident or are at least close to it. At that point, a demand package outlining the car accident, and your claims will need to be submitted to the insurance company. You will need to document the circumstances surrounding your car accident. As well as, your injuries and property damages as well as all medical treatments. This can get longer depending on where you sought treatment. Medical records and associated bills are also expensive and time-consuming to obtain.
Before you move forward with the process, the following are some of the documents you will want to have to in order to pursue the most favorable outcome possible:
The Negligent Party’s Information
There is a reason you collect certain bits of information following a car accident, including the negligent driver’s contact information, their insurance information, and the license plate number. These can all go a long way in understanding what their policy covers and how you may pursue compensation.
These documents should be submitted with your claim so your insurance company and legal team can pursue further action. Without this information, you may not be able to seek legal action against the right party.
If any emergency responders came to the scene of your accident, then there should be an accident report available within a few days after the accident. Police reports have crucial information surrounding the accident and your claim. They include information such as date, time, and location of the accident, witness statements provided to emergency responders, and a diagram of the accident. Another piece of information, and maybe the most important, as mentioned above, is the responsible driver’s insurance information. Witness Statements
Witness statements are often provided in the police accident report. Such statements can also be taken by insurance companies. As well as by witnesses to the accident themselves. Sometimes our clients will have recorded statements on their cell phones. Any witness statements, no matter how provided, are very helpful. They can help determine who was at fault for the car accident.
Photographs allow a visual understanding of the accident and may provide information that is not placed in the written documents. They can be taken by people involved in the accident, emergency responders, tow truck drivers, insurance companies, or the body shop where the car was repaired. Also, if you are ok and able, they can be taken by you. It’s ideal to get several different angles of the accident as well as the background.
Many times, we are left with narratives and statements about the accident. Often, we are without pictures that can show us the scene immediately after the car accident occurred. It is important to have photographs of the damage to the vehicles, your injuries, and the entire scene of the accident. Visuals always help not only your attorney understand the facts surrounding the accident, but they will help the insurance adjuster evaluate your claim. Learn more about getting photographic evidence.
The more detailed your medical records are the better it is for your car accident injury claim. Your medical records should indicate that you suffered harm as a direct cause of the car accident. They should also show that you continually sought treatment for your car accident injuries. Medical records can be lengthy. Especially if you sought treatment for a long time and/or went to numerous medical providers for treatment. They are also expensive to retrieve. However, medical records are a necessity when it comes time to submit your car accident claim. This helps to properly evaluate your car accident claim. The responsible insurance company will want to see all of the medical treatments you sought.
Medical bills show how much your injuries, pain, and suffering cost you. If you sought medical treatment after a car accident, keep a complete list of all the providers you saw. You should also keep track of as many receipts or bills you accumulate throughout your treatment. Medical bills help show the responsible party’s insurance company how much medical reimbursement and damages you deserve from your car accident injuries.
Auto Insurance Policy
Your attorney will especially want to review your car insurance policy, particularly if you have to make an uninsured or underinsured motorist claim on your own insurance. Your policy will show how much coverage you have if you make such a claim. Additionally, it will also show any exclusions (and there will be several!). You may also be stuck with bad faith insurance. Some of SERNA & ASSOCIATES PLLC clients have been in the situation where the responsible party did not have insurance or did not have enough insurance to cover the clients’ injuries. However, we were able to successfully recover the appropriate amount of compensation through our clients’ insurance.
Health Insurance Card
Your health insurance has likely been paying for your medical bills related to your car accident injuries. Your attorney will need your health insurance card to collect information about your plan. This helps them discuss your medical bills with your auto insurance company.
Work Schedule For Missed Time
If you had to take time away from work due to your car accident, document the days you missed and how much money you lost out on. You can recoup these damages when settling your car accident injury claim. The responsible party’s insurance company will want proof that you had to miss work. The best thing you can do is have your work supervisor outline the days missed. Additionally, to give an estimate of how much it cost you in lost wages. Your Car Accident Records
Having all of the above important documentation is critical when filing the claim. These documents provide the essential medical and accident reports, facts, and information that support your claim regarding the other party’s negligence and the severity of your injuries.
Serna & Associates PLLC understands just how to use your evidence to help you understand what rights and options you have moving forward. We can explain the potential compensation you may be able to recover. As well as, how we can hold the negligent party accountable.
Serna & Associates PLLC Law Firm has the experience, professional expertise, and necessary dedication you need to move forward with confidence.