Top 5 Documents to Make the Claim Process Easy After A Car accident
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Accidents are inevitable throughout a motorist’s life. Even the most careful of drivers will at one time get into an accident at a certain point in their lives. The most imperative action to take when you get into an accident is to ensure that you notify the authorities and that you also get medical attention.
In addition to these, you may need to make accidental claims. To make the claim process easy you will need to have some documents. One of them is the police report document that you will need when making a claim.
What to Do Immediately After an Accident
If you are involved in an accident, you have a legal requirement of not leaving the scene until authorized. However, there is an exception if you need emergency medical care.
If an emergency medical check is not required, you will need to stay at the accident scene to offer aid and give all the required information. If there are no police at the accident scene, you have the legal responsibility of calling them at the scene.
At the scene of the accident, the police will write a crash report. Make sure you get the crash report from the officer for your claiming process.
The next necessary action is to make sure that you contact your insurance company. You may not give them all the accident details, but letting them know that you were involved in an accident is crucial. Your lawyer will provide them with all the details they need later.
The 5 Documents that You Need for the Claiming Process
Now that it is time to claim for the damages caused, what do you need? Do you need a police report to file a claim? Yes, you may need a police report when filing for a claim. If you don’t have it, you can still file for a claim, but the claiming process would be a difficult one.
1. A Police Report
A police report is not a legal requirement when filing for a claim. So you will not be prohibited from filing a claim if you don’t have a police report. However, it is a legal requirement that you report most accidents to the police once they happen.
The best thing you can do now is report the accident and request a copy of the police report. Without it, the insurance company may make it difficult for you to receive your total compensation.
When filing for a claim, the insurance company will strictly scrutinize your claim, so a police report is a good piece of evidence.
While at the accident scene, make sure you take pictures of the whole scene and take as many as possible. As mentioned, the insurer will heavily scrutinize your claim, and therefore having some images at your disposal could greatly help in the claiming process.
3. Written Document of the Scenario
Your memory may fail you when you are filing a claim. Do not rely on what you remember to make a claim. At the scenes of the accident, write down every possible detail, including the weather. All of this information will help, especially when the insurance is asking questions about the accident.
4. A document Containing the Other Driver’s Information
If the accident involves another driver, the insurance company will require information about the other driver. Information includes their name, license number, and policy number, and also VIN number is possible.
5. Copy of Your Driving License
Make sure that you have your driving license copy before you start making a claim. If, for one reason, you do not have it, make a point of getting it beforehand.