Being involved in a car accident is scary and confusing. If you have recently been involved in a car accident, hopefully, you have already been seen by an auto accident doctor. Once you're back in health, you may be wondering how to settle vehicle damage or injury claim against the at-fault driver. The goal is to heal and move on with your life with as little disruption as possible.
Here are some tips to help you make the most out of your car accident injury claim.
Gather and Organize Information
Although the car accident may not be your fault, you will typically work directly with both - you and the other driver's insurance company to settle your claim for damages.
Data shows that 95 percent of car accident injury claims are settled before going to trial. Gathering information beginning with the scene of the actual accident is vital for a successful settlement.
"You need complete documentation of your injuries to file an insurance claim after a car accident."
Gather and organize the following information for easy reference throughout the claim process:
- Contact info for the other driver(s)
- Name and policy numbers for other driver insurance companies
- Contact information for any witnesses to the accident
- A record of law enforcement officers at the scene
- Police reports
- Documentation of injury from your personal injury doctors Houston
If you are able, take photographs of the accident scene before it is cleared. The following photos could prove to be critical in winning your case:
- vehicle locations
- actual damage areas on each vehicle
- license plates of each involved vehicle
Insurance companies will require a substantial amount of information throughout the claim and will likely be challenging to work. Insurance companies do not take sides.
In fact, they are working to minimize the amount that they will have to pay out for the claim. Insurance companies will attempt to mitigate their responsibility by arguing that the accident was fully or partially your fault. They will also assert that you didn't provide sufficient documentation to support your claims of loss. This is why you need detailed records.
Understand Types of Damages
When filing a claim for property damage, you should collect:
- cost of vehicle damage
- personal property damage including damaged personal items in the vehicle
- rental car costs for the repair period
- any out-of-pocket expenses for transportation, childcare, etc. that result from the accident
The insurance company will only address expenses that you have documented and submitted to them.
When filing a claim for personal injury, the process becomes more complicated, and an auto injury doctor is necessary to assess, document, and follow up on evaluations and paperwork required for the claim.
What If I Am Injured?
Unfortunately, many car accidents are more serious than just a "fender bender." Car accident injuries are common and can result in significant pain and suffering.
In addition to physical damages, you may claim reimbursement of medical expenses and lost wages. Compensation for your mental and physical pain and suffering stemming from the accident may also be in order.
"When making the insurance claim, you may claim reimbursement of medical expenses and lost wages as well."
Even if you have a primary care doctor, you should reach out to a car accident doctor Houston. They specialize in car accident injuries, and consulting them is a wise choice.
Benefits of Auto Injury Doctors
- Specialize in injuries commonly caused by car accidents
- Belong to a network of specialists who can help with the claim process
- Will document according to insurance company best practices
So, insurance companies will want you to agree to a quick settlement for the medical expenses you incurred up to that point.
Contact Auto Accident Doctor at CityWide Accident & Injury, Houston to Make the Most of Your Insurance Claim
Your auto accident doctor in Houston will help you to anticipate any ongoing medical treatment you will need in the future and add that to the claim. Victims who enter into a quick settlement with the insurance company often discover that they require additional medical treatment that will not be covered after the settlement. Call us at 713-782-0082 to schedule an appointment.
How to Make the Most Out of Your Car Accident Injury Claim / City Wide Injury & Accident – Houston, TX
Joe Danna is a Chiropractor specialist practicing in Houston, TX. Where he has lived his whole life.