Emergency Hammer

Filing a car accident compensation claim:

Being involved in a car accident can be a overwhelming and frustrating experience. You may feel anything from anger towards another driver to guilt for knowing you were at fault for the incident. In addition you are most likely in shock and very nervous about surveying the damage to all of the cars involved in the collision. Whether you want to or not, reports must be filed. Insurance companies must be notified, and claims for compensation for all of damages incurred from both parties are filed. There are a few steps you should remember if you are ever in a minor car accident to help the car accident compensation claim process go smoothly, so you can get your car fixed and back on the road as soon as possible.

Step 1:
Take a few deep breaths. Concentrating on your breathing will help calm your nerves and relieve some of the stress of shock. Remember that there are over 5 million traffic accidents every year and that you are not the first to be a part of one.

Step 2:
Put your Hazzard signals on and do not move the car unless you are in danger of being struck by oncoming traffic, or if your state law requires moving accident vehicles from the lanes of traffic.

Step 3:
Check to make sure no one is injured in your vehicle and call 911 to report the accident. Be sure to include specific details about the accident to the dispatcher so they can send the appropriate first responders to the scene. Remember that not all injuries can be seen immediately.

Step 4:
If it is safe and you are not injured get out of your car to survey the damage while you wait for the police to arrive. Depending on your location, if the accident is just a fender bender and there were no injuries, the dispatcher may advise you to handle the insurance information amongst yourselves and file a traffic incident report at the police station yourself.

Step 5:
Exchange insurance information. Record the other drivers name, drivers license number, insurance company, policy number, effective date, license plate number, and add notes about the other driver such as a short description.

Step 6:
Take notes on the damage to the cars and possibly draw a diagram of the accident. Be as descriptive as possible in your notes in case they are needed later to help prove fault. Also take plenty of pictures

Step 7:
Call a tow truck if your car is not drivable. If there was only clearly cosmetic damage and no visible damage to the frame or internal parts drive it immediately to a body shop to get an estimate on the damages.

Step 8:
File a claim with your insurance company and include the police report and all of your notes about the accident. Ask your insurance representative if there are any other steps you need to take to make sure you receive fair compensation. It is recommended you get 2-3 estimates on the damage before submitting a final bill to the insurance company.

Car accidents are not uncommon, and the compensation claim process can be quite easy if you are thorough in your report and forms filing. Just remember there are millions of accidents every year and collisions are the reason we have insurance.

If you are denied your compensation claim, there are steps you can take to appeal the decision. Begin by reading their letter of denial and writing back to them where they have made errors in their report. If they do not approve the claim after being corrected consider filing an appeal to the state insurance commissioner, or hiring a car accident lawyer to help build a case.