How Do I File a Personal Injury Claim for a Car Accident?
If you’re wondering how to get the compensation you need after you’ve been injured in a car accident, you’re not alone. The short answer to your question is filing a personal injury claim. However, knowing how to go about doing so can be tricky.
Fortunately, Craig Swapp & Associates can help. During an initial consultation, we can discuss all the necessary steps for handling the accident claim and building your case. In the meantime, we’ve compiled a list of initial tips you can use.
How to File a Claim
Filing a personal injury claim after a car accident is essential to getting the compensation you need to recover. The following steps can get you on the right track with your insurance company, and a qualified lawyer can help you with the rest.
1) Write Down the Other Driver’s Information
It is important to get the information of the driver who hit you. This should include the driver’s name, phone number, address, drivers license number, and license plate number. If the driver has auto insurance, take a picture of the insurance card or write down the information on it. Your insurance company will need this to process your claim.
2) Document Where the Accident Took Place
Write down the street where your accident occurred and note any cross streets. Also make note of any landmarks so you can be as detailed as possible when describing where the accident took place to your insurance company and your lawyer. Take photos of the location and the vehicles involved, if possible.
3) Get the Accident Report Number
Filing a police report after the accident is an important part of building your case because it provides documentation of what happened. If the police gave you a report or reference number, tell your insurance company and your lawyer.
4) Find Your Insurance Paperwork
Get a copy of your insurance policy or your insurance card so that when you call, you can provide your policy number and any other relevant details.
5) Call Your Insurance Company
You don’t want to call your insurance agent because agents don’t process claims. Instead, there should be a number to call on the back of your insurance card. The claims department will speak with you and ask for information about who was involved in your accident and where it took place.
The insurance company will also ask whether you were hurt. Say you are being examined by a doctor and don’t know the extent of your injuries yet. It’s impossible to know this early, and you don’t want to make any statements that could hurt your case later. Your insurance company will also provide specific details about how to go about getting your car repaired.
6) Write Down Your Claim Number
The insurance company will provide you with a claims number that you can use when visiting the doctor or having car repairs completed. Write the number down and carry it with you. You shouldn’t have to pay for anything out of pocket when you provide this number, and using it will document your initial accident-related expenses.
7) Call an Attorney
Filing a claim with the insurance company is only the first step. Your lawyer will consult with you on how to go about filing your personal injury claim for damages like ongoing medical care, property damage, pain and suffering, and others.