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Wrecked: What to Do After a Car Accident

Car accidents are generally unplanned, unexpected, and can be very scary to those involved. Once the initial shock has worn off, you may find yourself asking, what next? If you are unsure of what steps you need to take to properly file a claim, these guidelines can help you get started.

Report the Accident

Most times, whether it is a single or multiple vehicle collision, the local law enforcement will be called out to the scene. Occasionally, if serious injuries have been sustained by any person involved, first responders may also be called to the scene. In the event of a multiple vehicle collision, the on scene officer will sometimes issue a ticket, or tickets, to the driver at fault. When this happens, it makes the claims process much easier as they likely won't need to determine fault. Sometimes it is difficult for the officer to determine who is at fault, and in this case you'll need to remember, as clearly as possible, the events leading up to the car accident.

File a Claim

Once the initial shock has worn off and you are at home, you'll want to call your insurance company to report the accident. Don't wait too long, the claims process can take some time and you will still accrue costs of repair to the vehicle and medical bills so the sooner you get the ball rolling the better. Your agent will generally ask you to go through the car accident step by step to get a better image of who, if anyone, was at fault. If you are involved in a multiple vehicle collision, your agent will usually wait to hear from the other companies before taking any steps forward.

The other party’s insurance companies will often call you to get your account of things, it is important to be consistent and clear about what happened. The insurance agent will not only ask you about the accident and the damage to your vehicle, they will also ask about any personal injury you may have sustained. It is important to be honest if you are injured. Claiming no injury and going to the doctor six weeks later for back pain associated with the accident will make filing a personal injury claim much more difficult. Once they have gotten your account of things, the agent will often let you know that your agent will contact you in the next week or two and let you know how it will play out.

Hiring a Claim Attorney

For minor car accidents and injuries, claim attorneys are generally not necessary, however, larger claims such as large medical bills are best handled with the help of a claim attorney. Insurance companies can be reluctant to pay if they feel the amount of money is too high, unfortunately, injuries sustained from an accident can cause lasting damage and can rack up hefty medical bills. By contacting a car accident attorneys, you will have a professional fighting your case for you and a better chance of winning.

Not sure where to find a car accident claim attorney? A quick web search will often turn up hundreds of results, and checking sites such as Yelp and Angie's List can give you access to reviews from previous clients.

Once you've selected your claim attorney, you'll want to call immediately to set up a consultation. During this consultation your attorney will likely go over what outcome you would like from the case, and what outcome to expect. He/she will also go over the claims process with you and will handle most of the paperwork filing on their end, taking a burden off your shoulders.

The claims process can take time, but receiving a fair settlement for the damage to your vehicle, or personal injury, is worth handling correctly.

Public service message brough to you by Decatur auto parts 

Tags: car accident

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