Insurers gather many different types of documents following a collision. However, specific items are essential to accurately assess both the causes and effects of the collision. Gathering these essential documents promptly will allow for faster resolution to your claim, particularly if you reside outside urban areas or in an environment where weather creates additional obstacles to timely communication and access to service providers.
1. Police Report
An official police report contains factual information regarding an accident. The police report will identify all parties/participants involved in the accident. It will document road conditions on the day of the accident. The police report will also outline the narratives of the events leading up to and during the collision as reported by both vehicle operators.
Once the police department completes the accident report, they will provide you with a copy, which you can obtain from the police station or via their online portal.
2. Visual Evidence is important to Insurance Agents
Whenever possible, take pictures of all aspects of the accident, including road conditions, weather, tire marks, debris, and any nearby signs. Taking video footage of the accident will ensure that you have captured the best possible angle, especially since you are likely to forget something later.
3. Collector of Eye Witnesses
Witnesses can provide valuable evidence to support your case and are useful when each driver’s account of the accident differs from that of the other. Obtain names, phone numbers, and a brief description of their observations of the accident. In rural areas with limited traffic, even one bystander can be critical to your case. Do not wait until the bystander has left to try to obtain their contact information. Do it as soon as possible. Remember that during the winter months, bystanders will want to get back into their warm vehicles. You should have your phone out and keep the conversation as brief as possible.
4. Medical Records and Treatment Receipts
In the event that you have received medical care, it is necessary for insurance companies to receive documentation that links your accident-related injuries to the medical care that you have received. Documentation of hospital visits, a doctor’s report, imaging study information, prescriptions, and any updates from physical therapy are all necessary, along with documentation of payments made for hospital visits, ER, and other forms of medical treatment.
Weather and conditions in rural areas can delay patients from obtaining medical treatment. Notify your provider early that you are going to need a formal record from them for insurance purposes.
5. Repair Estimates & Proof of Lost Income
Repair estimates from a reliable shop are necessary for the insurer to calculate the damages done to your property. If you’re far from the service centers, contact them in advance to find out when they’ll be able to inspect your vehicle. Insurers will need proof of lost income, which could include pay stubs, work schedules, or letters from your employer for the period you were unable to work due to the injury.
What Does a Lawyer Look For in a Free Case Review
In complex personal injury cases with disputed fault, uncertain injuries resulting from an accident, or slow responses from insurers, an attorney’s free case review might be helpful. Many law firms will publish a public checklist that outlines all of the documents or information that can assist in evaluating a claim. For instance, The Weinstein Firm provides straightforward information regarding how to collect the appropriate documentation to support a decision to proceed with your case, and how to set up an appointment to discuss your case before taking legal action.
Endnote
The fastest way to submit your auto insurance claim or settle after your automobile accident is to ensure that you have all of the correct paperwork available. You should have copies of police reports, photos from the accident, the names of all witnesses, and any medical documents. When you collect these documents promptly, you will be able to offer the necessary information to help your auto insurance company expedite your claim.
If you need help determining the next steps following an automobile accident, the best course of action is to consult your insurance agent and/or a qualified accident attorney.
