An accident is really horrific when it is an auto accident or car accident. This type of accident not only damages a car but also brings untold sufferings for the injury. Surely you bought insurance for your car and personal injury as there are so many ways to get cheap car insurance for young drivers and low income individuals. But the main fact is you need to know how to get the most money from a car accident.
After a car accident, it is often seen that people make many mistakes which make the claim process so difficult. In that case, people having insurance policy are paid less as compensation amount or the insurance company pay a little amount of money. Surely you want to get fair and most money from a car accident. You may get some ideas from this article on how to get the most money from a car accident. So you can read some points here to be careful in case you face any accident.
Content Outline
Be There As Long As The Police Report
An accident has occurred where you are injured and your car is also damaged by the accident. It is important to stay in the spot as the police will be there soon. The police will investigate the accident and make a report. This report is the details of the accident.
However you are not at fault and the police will make a report on this case. In case you escape from the spot, this case will be difficult to get fair amount of the compensation. You can also help police make report. You can explain the case from the start to end. More importantly the police will take statements from the eye witnesses who can provide accurate information because negligent car may falsify the case and make you guilty of this accident. In this case, your presence there is important to prove that you are not at fault and will help you get high amount of insurance.
Before the arrival of the police, it is also better to make a report own self like road condition, the weather and the true scenario of the traffic condition which may be a reason of your car accident.
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Take Photos of the Whole Scenario
Proof and evidence is important in terms of insurance. The insurance is not going to support your verbal speech. They want to get exact information on true facts. True facts may be more powerful when you show them with any picture or video. Surely you have a smart phone and you use it in the event of an accident.
You take picture of your damaged part of the car, your injury areas and full picture of the place to make sure the accident is true. Additionally you may try to take picture of the eye witness close to your damaged car and get their statement to make it true. It is so important to take picture of the injury part of your body in case you have got an injury due to an accident.
Document The Accident
As you faced an accident, you just make a report on this case. You write everything from start to end and add picture of the place. The time, date is also important to document your accident because agent from the insurance company may visit the place and ask for the people living there and want to know the accident.
You should explain your case that you were in safe mode and the accident was caused by other negligent car. In the meantime, other negligent car driver may prove that your fault is one of the reason for this accident.
Already you have got some points of others fault and include this on your report. Surely you have to provide much evidence and proof of the faults of other negligent driver.
Seek For Medical Help
In case you or the people in the car have been injured and it is a serious type of injury, you must seek for the medical help as soon as possible. If the injury is really about serious type, the insurance adjuster will pay the higher amount of compensation for personal injury. So it is important to report your injury caused by the accident.
In the event of an accident, some injuries may last for short time but you don’t neglect it. This injury caused by accident is really terrific because today you can’t feel the pain but after some days or some months this pain may be acute. Then you may have to pay a high amount for better treatment. In most cases, back injury, spinal cord injury and neck injury get severe even if you don’t feel any pain after accident.
However you have to consult with any experienced doctor to make sure you have got any serious type of injury. The doctor may suggest you to test your physical condition. In this case you don’t neglect because there may be serious type of injury after this test. You conserve all types of test report as medical test report costs high amount of money. You will get compensation for every spending of your injury. All kinds of medical papers should be conserved to submit to the insurance company because insurance company will check out your documents, bills and cost spend by you and pay the amount you have spent.
Additionally you follow the doctor advice as long as your treatment continues like therapy and surgery. In some cases the injured people give up treatment as they think that they are good enough in spite of being injured. But this can be a wrong way to miss the most money from the insurance company. The doctor will suggest you what is good for you and continue your treatment.
File Claim Timely
In this step, you file claim timely to the insurance company. The insurance company will request you to submit all the papers like police report, your medical papers and your documented report. After that they will investigate if all information is true. If all information is accurate, you are going to be paid the compensation amount from the insurance company.
In some cases, some people delay and neglect to be serious because they might think that insurance amount may be little and it may be totally waste of time. This amount is not little at all because your total treatment cost is to be paid by the insurance company. So if you neglect any delay, you are not getting the most money of compensation amount.
After submitting all related papers and documents and checking those documents by the insurance company, it is time to pay the amount of insurance. But the amount the insurance company is paying may not cover your all costs and it is really violation of law, terms and condition of insurance policy. However you may seek for help from the personal injury lawyer or an attorney.
Hire An Attorney
You are not getting fair amount of compensation. So you may get help from an attorney. An attorney is a person who deals with personal injury and car accident as well. Surely there are some law firms where you can get best attorney who can help you for both personal injury and car damage issues.
An attorney will work for you and collect detailed information of the accident from you. You need to provide accurate and authentic information to make sure the case is in the bold position. Surely an attorney is expert in dealing this issue. So you don’t make any mistake to choose the best and trusted attorney. You may discuss it with your dear ones and get information online to get an attorney who will only work for your interest. You can discuss your accident in details with your attorney. Your attorney will submit all papers and documents in the court to make sure you are getting the most money from a car accident.
Final Verdict
It is needless to say that a simple mistake may make your claim process so complex. You just go step by step and make right decision to get the most money from a car accident. Generally the insurance company seeks for loopholes as your fault and be unwilling to pay the proper amount. If you know everything in this case, you will have the chance to get fair and high amount of compensation.