The crash wasn’t your fault, but you can’t just assume you’re going to be compensated. Making a car accident claim is not as easy as you may think. If you want to get everything you deserve from your misfortune, there are well proven steps to help you receive the renumeration that you deserve.
- Photos: When making car accident claims, there is no question, that this can be the most critical piece of evidence and the most compelling information on behalf of your claim. A picture is worth a thousand words, and probably a lot more than that in cash. Get pictures, and if you are too injured get someone to take pictures for. Even later when you are home. Get pictures of your damage, pictures of your injuries, road signs and pictures of anything else you lost or was damaged. Especially the license plate and vehicle of the other driver.
- Medical report: A complete medical diagnosis and opinion hold a lot of weight in a claim, especially in terms of compensation. You may be facing long term complications and income loss from your injuries, but no one is going to take your word for it. Along with your doctor’s diagnosis, make sure to include all medical procedures you are required to endure. Professional opinion is your best asset in maximising your compensation. Personal notes about your pain and ways in which your life has been disrupted can also be included.
- Demonstrate financial loss: There many ways an accident can affect you financially. It is very important that you keep all your bills related to the inconvenience the accident has created. Medical bills, mechanical bills, taxi, towing, day care, a loss of work estimate, or anything else that directly relates to your post-crash experience.
- Witnesses: When it comes down to your word against someone else’s, you might as well flip a coin. If you are in a situation where you don’t have the evidence to prove what happened. You are probably going to lose your claim unless you bring a witness. Even a witness who didn’t see it all, is better than no one. If you are able, after a collision it is a good idea to take down names and phone numbers of people that were there. Once you leave the scene, their help could be gone forever. If possible, ask if your witness is willing to write a description of what they saw.
Being in the right is no guarantee of having a decision in your favour. Insurance companies are in business to make and keep their money, just like everyone else. Keeping focused and acquiring as much evidence at the scene is your best protection. If you feel that your insurance company’s offer is too low, you should know that you have the right to negotiate for a better result. Don’t be in a hurry to accept their offer. Your patience and persistence are likely to improve your compensation. If you feel that you are not getting the settlement you deserve, you still have the option to hire a lawyer.