Are you unsure what to do when filing a car accident insurance claim? Here is a step-by-step guide from our Edmonds car accident attorneys. For more information, please contact Certa Law Group today to schedule a free consultation.
Car Accident Insurance Claim | Call the Police
After being involved in any type of vehicle collision, the first thing you need to do is call the police. This is true even if there is relatively minor damage to your vehicle, such as being rear-ended at a stop sign. The police will then file a police report. This provides documentation that the accident took place. You will want to get the officer’s name and badge number, and ask for a copy of the police report, if possible.
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Car Accident Insurance Claim | Take Pictures of the Vehicles
While you are waiting for the responding officer, you will also need to take pictures of the vehicles and gather evidence. From a safe distance away from traffic, take pictures of both vehicles, making sure to capture the damage from as many angles as possible. Any debris will also need to be photographed.
While you’re at it, you will also want to collect statements and contact information from any witnesses who saw the crash. This testimony will be important if the at-fault driver’s insurance company attempts to dispute your claim.
Car Accident Insurance Claim | Do Not Speak to the Other Driver’s Insurance Company
Don’t admit guilt. Don’t apologize. As a matter of fact, don’t even talk to anyone about the accident. Especially the other driver’s insurance company. Speaking to your own insurance company is fine and is, in fact, a requirement. However, the goal of the other driver’s insurance company is to minimize their damages by disputing your claim. Don’t give them a reason to do so by answering their phone calls.
Call a Lawyer
When it comes to car accidents involving minor vehicle damage and no injuries, you will hopefully be covered by whatever auto insurance policy you own. If that’s not the case, however, your best bet is to contact an attorney. At Certa Law Group, our Edmonds car accident attorneys are ready to help you recover against the at-fault party and their insurance company. Schedule a free consultation today.