Getting into a car accident can be a traumatic experience, both physically and emotionally. In addition to dealing with injuries and vehicle damage, you may also have to navigate the complex process of filing an insurance claim. Knowing how to handle insurance claims after a car accident correctly and efficiently will ensure that you receive the compensation you deserve.
Steps to Filing Your Claim
If you are involved in an accident, you should:
- Prioritize safety and gather information. Immediately after an accident, check for injuries and call for medical assistance if necessary. Once everyone is safe, gather important information; including the other driver’s contact details, insurance information, and license plate number. Take photos of the accident scene, vehicle damage, and any visible injuries.
- Report the accident. Under New York State law, drivers are required to report any accident that results in injuries, death, or property damage exceeding $1,000 to the local police or the New York State Department of Motor Vehicles (DMV). Contact the police to file an accident report.
- Notify your insurance company. Promptly notify your insurance company about the accident. Provide them with all accident details including the police report, photos, and contact information of the other driver(s). New York operates under a no-fault insurance system, meaning a driver’s insurance will generally pay for medical expenses and certain other damages, regardless of who caused the accident. Drivers should familiarize themselves with the specific coverage limits and requirements of their insurance policy to ensure they receive the maximum benefits they deserve.
- Seek medical attention. Even if you believe your injuries are minor, some injuries may not be immediately apparent, and a thorough medical evaluation will document your injuries, ensuring you receive appropriate compensation. Follow all recommended treatments and keep records of medical expenses, prescriptions, and any necessary rehabilitation.
- Document and preserve evidence. Maintain a detailed record of all accident-related documents to strengthen your insurance claim and provide evidence of the damages you’ve incurred. This includes vehicle repair estimates, car rental receipts, and any other relevant expenses.
How an IDG Legal Preferred Lawyer Can Help
Drivers have access to our preferred, and experienced lawyer to assist with navigating insurance claims after a car accident, for free.
If you encounter difficulties during the claims process or if your injuries are severe, it may be beneficial to consult with a personal injury attorney experienced in handling car accident cases in New York. Our preferred lawyer can provide valuable assistance in the following ways:
- Negotiate with the insurance companies to ensure you receive fair compensation for your injuries, medical expenses, vehicle repairs, and other losses.
- Collect all crucial evidence, such as accident reports, witness statements, medical records, and expert opinions to strengthen your case.
- Filing paperwork, meeting deadlines, and adhering to legal procedures correctly and within the required timeframes.
Tap below to fill out a form for immediate legal support after a car accident.
