How To File a Claim After an Accident

Published on December 13, 2021, by Matthew Sharp

Car Accident

How To File a Claim After an Accident

Seeking medical attention, documenting the accident scene, and contacting the respective insurance company are some key steps of filing a claim after an accident. Working with an attorney can help the victim include everything he or she is entitled to and file on time.

Steps of Filing a Claim after an Accident

Seeking Immediate Medical Attention

Seeing a recognized doctor immediately after a crash ensures hidden injuries are diagnosed, documented, and treated. A medical report is an important part of a successful claim.

Documenting the Accident Scene

The accident victim should take pictures or videos of the accident scene, the damaged vehicle, and any detail that can help the claim. He or she should write down the names and contact details of witnesses. The victim should also note down the nearby surveillance camera or store security cameras.

Filing A Police Report

The accident victim should report the accident to the police and obtain a copy of the First Information Report (FIR). The FIR should include the registration number of the involved vehicles, the driver’s license number, and witnesses’ names and contact information.

Contacting the Respective Insurance Company

The accident victim has the option of filing a claim with his or her insurance company. The victim can begin the car insurance claim over the phone, online, or with the insurer’s mobile app. The victim’s insurer may cover car repair or medical costs, but a deductible may be needed first. The victim must have specific coverage in the policy, such as comprehensive or collision, to qualify to file a claim with his or her insurer.

Making a Claim with the Other Driver’s Insurance Company

The accident victim can make a third-party claim with the insurance company of the other driver, especially if that driver was liable for the accident. In this case, the victim won’t pay a deductible. An adjuster of the other driver’s insurance company will assess the damages and offer an initial settlement. If the victim rejects the offer, the victim can make a claim with his or her insurer and allow the insurers to settle the matter and final compensation.

Obtaining Legal Representation

A car accident lawyer can review the claim to ensure the victim has included every damage he or she should recover. The lawyer can also investigate the accident, gather adequate evidence, and file a strong claim with the other driver’s insurer.