When you are filing an auto accident claim, there are certain documents that you will not want to have missing. If these documents are missing, you are less likely to win your case and may not be able to negotiate a settlement that is as high. The primary documents you need for your auto accident case are your police report, car repair bill, and your medical records.
The Importance of a Police Report
If you are involved in a minor accident, you might not be willing to contact the police because you might think it's a waste of time. However, in some cases, you are legally required to file a police report. The police may choose to not come to the scene and you are then free to go. Otherwise, you will need to wait for the police officer to come to the scene of the accident to file the report.
A police report can make it easier to receive compensation for your injuries. The insurance provider is not allowed to deny your claim over a lack of a police report, but the process can be more difficult. Also, the police report will include information that can be useful.
Your Car Repair Bill
After an accident, the insurance provider may request that you have your car repaired at a specific location. However, you are free to take your car to any mechanic and you may also simply accept the check from the insurance provider and spend it however you wish.
The insurance provider will only pay up to the value of your car. If the damages exceed the value of your car, the vehicle will be considered a total loss, and the insurance provider will take possession of the car and pay for it. You can then use the payment to purchase a new car.
Your Medical Records
After an accident, it is essential to seek medical treatment so you can fully recover. It's also important to seek medical treatment so that you will be able to prove that you suffered the damages that you are claiming.
However, you will want to speak with an auto accident attorney about the medical records that you will want to reveal to the claims adjuster. For example, some records might damage your case by making it seem as if you have a pre-existing condition. However, by consulting with an auto accident attorney, you can pursue your case in the most rational way.
My husband does much of our auto repair work himself. We do all that we can to save a dollar when we can, and doing the repair work saves us a small fortune each year. Unfortunately, all of the money that we have saved over the past 15 years has gone to pay the medical bills that we have accumulated during the last several months after a floor jack failed and dropped our car on top of my husband. A few days after the incident, I contacted an injury attorney. I have created a blog to help others that have been injured due to faulty products find some sort of resolution.