Steps to Insurance Claims After an Accident
Documentation and photographs
Once the accident occurred, it is necessary to take the data of the driver of the vehicle, the owner that appears in the green and / or blue card and the information of the insurance company. If any of the people involved in the accident suffered injuries, you must call the police and ambulance to be treated and verify everything that happened. It is important to keep all the documentation provided by the people who intervene, the police officers and the doctors who attended the injured party. Finally, if possible, you have to take pictures of everything to have more records.
The report of the accident must be made within 72 hours at the insurance company itself. This is mandatory in order to have coverage in case of any risk or that another person (a third party) intends to make a claim for the loss against the insured vehicle.
In case of having contracted a policy against all risks, the coverage will be the amount of the budget for the material damages. But, generally, there is a part (franchise) that is in charge of the insured. If the insurance is called "third party or complete third party" it will cover the damages of the other car and the injuries of others. It is important to take note of the information of the driver and his insurance company in order to initiate the claim against him. Also, always have to make the complaint in the insurance company itself because it will be part of the documentation that will be requested to take the claim in the insurance of the person responsible for the incident.
Compensation and / or collection of franchise
In case the insurance company does not want to pay the loss or the amount is lower than the one claimed, a legal action can be initiated to obtain compensation for all damages suffered. The compensation will include the material damages of the vehicle plus the damages of the vehicle and injuries of the victims. In conclusion, compensation can be claimed for the material damages of the vehicles and all the other damages, even the moral damage that has been suffered if the necessary elements for their legal claim are given.
Insurance companies do everything in their power to convince people to reduce the amount of their claims. Many people think that the fact of giving information could not affect them or that they have to give statements under oath, it is more they think, that the insurance company will not fix your car or pay your account if they do not do it. The insurance companies study the experience and take into account the success of the accident lawyers to make their negotiations and thus provide solutions to the cases based on the reputation of the lawyers representing the victims.
It is important that you tell your doctor everything about your injury on the first visit
Documenting the truth about your injuries is the key to a good outcome in your claim. Going to the doctor when you need a treatment and telling him everything that is disturbing you is of vital importance to your case.
Let's say you have a neck injury that is really annoying and your knee also hurts in the aftermath of the accident. You talk to your doctor and for the first three weeks you only talk about the neck injury. As your neck pain has become more tolerable, you begin to worry about the pain in the knee, for which there has been no improvement. He then tells his doctor about knee pain for the first time. This happens 4 weeks after the accident. A month later, he is diagnosed with cartilage problems and surgery is necessary.
What will the insurance company say? You injured your knee a month after the accident and not as a result of the accident. If you had suffered an injury to your knee from the accident, you should have told your doctor about that pain from the first visit. But as expected, they can not find any knee injury relationship with the accident. It is for this reason that you should let your doctor know of the minimum that represents a discomfort after the first visit.
Also, any other previous medical injuries must keep them present as part of the case. If you have a pre-existing injury or condition, you could recover more money, not less. This is because it will be easier to get hurt if that condition already existed and that will make your injury more serious and permanent. That's why the importance of communicating to all your doctors about their previous injuries, accidents or treatments. Do not hide or minimize your pre-existing conditions, tell your doctors about all injuries prior to your accident.