No matter how careful you are on the road, car accidents can happen to anyone. When they do, making an insurance claim is necessary in order to get your vehicle repaired and receive compensation for medical bills or other damages. Before filing a car accident claim, it’s important to understand the process and what information is needed for a successful outcome.
Most states require you to notify the police when a car accident occurs, and it’s important that you also document the scene with photos or videos. You should also collect contact information for witnesses who have seen what happened. It can be helpful to create a file folder for all of your documents related to the accident and keep track of any medical treatments you receive. You can also access some important information on the Houston traffic collision report online to make things easier on your case.
Here are some things you should know before filing a car accident claim:
This is the first and most important step in the claims process. Be sure to exchange contact information, including names, addresses, phone numbers, insurance policy numbers, and license plate numbers, with anyone who was involved in the accident. Keep reading to learn more.
- Document Details of Accident: Write down any details you remember about the accident, including location, weather conditions, and speed limits. If possible, take photos or videos to document the scene. Make sure to capture pictures of both vehicles’ license plates and the damage done to your car.
- Collect Evidence (Photos, Witnesses, etc.): If there were any witnesses to the accident, be sure to get their contact information. You can use witness testimony if needed during a dispute. Also, if you have an onboard camera in your car, collect that footage as well.
- Obtain a Copy of the Police Report: Police reports provide necessary information about the accident, including a description of what happened and contact information for any witnesses. Make sure to get a copy from the police as soon as possible.
- Get Medical Treatment: It’s important to document any medical treatments you receive after an accident. Even if you don’t think your injuries are serious, keep track of any doctor’s visits or treatments in case you need to file a claim later.
File a Claim With Your Insurance Company
Contact your insurance company as soon as possible after an accident. Give them the details of what happened and provide any necessary documentation. Stay in contact with the claims adjuster throughout the process to ensure everything goes smoothly.
Obtain a Lawyer (Optional)
If you’re involved in a serious accident and the insurance company is not offering a fair settlement. In that case, you may want to consider obtaining an attorney—research attorneys specializing in car accident cases and discuss your claim with them before making a decision.
Once you have collected all the necessary information, the next step is to file an insurance claim with your car insurance provider. Each insurer has a different set of rules and requirements, so be sure to check with your provider for specific instructions. In most cases, you will need to provide documentation of the accident and any related medical bills or property damage.