What information do I need to file a car accident claim?
When filing a car accident claim, you should have the following information:
Your full name and policy number.
The start and end date of your policy.
Date and time of the incident.
Names, addresses, and phone numbers of all drivers, passengers, and witnesses.
Driver’s license and license plate numbers of all drivers involved in the accident.
If I was not wearing a seat belt at the time of my accident, can I still file a claim for damages?
Yes, you can still file a claim but this may reduce the damage recovery amount. Many states accept a seat belt defence made to limit damages granted in a car accident claim. This simply means that in case you are injured in a car accident and were not wearing a seat belt, your recoverable damages may be less, even if the car accident was entirely the other party’s fault.
Should I contact the police if I’m in a car accident?
Yes, you should contact the police if you are in a car accident. Even if the accident seems minor, contact the police immediately.
The police will file an official report concerning the accident.
The police report is trusted by insurance companies as a basis for filing claims.
The police report is an official document and proof of the accident.
The police will get first-hand information from witnesses.
Therefore, to avoid complications in your claim and to ensure that you receive appropriate compensation for your injuries or damages, contact the police as soon as possible after a car accident.
How is fault determined in a car, truck, motorcycle, or bicycle accident?
In a car, truck, motorcycle, or bicycle accident, determining who is at fault is a matter of deciding who was negligent in causing the accident. The following factors are taken into consideration to determine who was at fault in an auto accident:
Did the driver violate the traffic rules?
Was the driver (or pedestrian or cyclist) not reasonably careful?
Did the driver’s conduct cause actual injury or damage to someone?