How to Report a Personal Injury to Your Car Insurance Company
Personal injury cases usually come right after accidents. It cannot be avoided since there are bound to be damages and probably even some injuries that result from whatever accidents occur. If it happens to be a vehicular accident, then a personal injury case definitely becomes a genuine necessity.
The situation will definitely lead to making personal claimsa, which should be made during a specific period after the accident has happened. It is therefore essential that you know how to get your personal injury claim started.
Among the most important things to remember when starting out with your personal injury claim is that you must make careful notice of details. You need to make notes of all the relevant information about the accident.
This will help you tremendously as your claim goes underway, especially since you just can’t rely solely on memory – yours or anyone else’s. The notes that you will make should include significant details such as the damages caused by the accident, any injuries, medical bills, police reports, etc.
You need to take note of the physical evidence at the scene of the accident, as it can help shed some light on what really happened. There’s also the fact that it’s useful as proof in finding out the party that’s really liable or responsible for all the resulting damages and injuries. Remember that physical evidence of note has to be preserved.
Then you also need to notify your insurance company of the accident immediately. With car accidents, there is a need to inform both insurance carriers; yours and of the other party involved about your plan for filing a claim.
Since no accident occurs without anyone being at fault, you need to determine who’s actually responsible for it. The legal responsibility is the important thing to note here because if there were any laws violated then that shall specify the path that the case will take.
A decision should also be made on whether you actually need to get the services of an attorney. If the accident is something that is a little complicated – with plenty of people involved and considerable damages and injuries sustained, then getting legal help is undoubtedly warranted. If in the accident and subsequent personal injury case there happens to be some other parties involved, then you will need to communicate with the insurance company of that other party. You’ll need to do this in addition to making immediate contact with your own insurance company, just be sure to exercise caution as to the kind and amount of information that you are relating to that other insurance company.
Get the ball rolling as far as the process of making a claim is concerned. Remember though, that you are aware of the more important details of the accident – the total extent of injuries, the legal liability of the other party, any lost income, medical expenses, all other damages that you have suffered from the accident, and the exact amount that you are seeking in your claim.