The crash is over in seconds. But the stress that follows? That can drag on for weeks.
You’re hurt. Your car’s a mess and now the insurance company is calling with questions you’re not ready to answer. It’s no wonder so many people feel lost after an accident.
But here’s the thing, what you do next matters a lot.
In this post, you will learn how the car accident claims process works because when you’ve been through a crash, the last thing you need is more chaos.
Step By Step Car Accident Claims Process
Step 1 – Call 911
Check for injuries and if you or the other passengers are hurt, call 911 right away. Move your car to a safe spot if you can and turn the car’s hazard lights on to alert other drivers
Wait for the police to arrive and document visible injuries and vehicle damage with your phone. Even if the crash seems minor, having an official report helps later on.
Step 2 – Gather Evidence at the Accident Site
Take clear photos of all vehicles, license plates, road signs and skid marks. Snap close ups of any injuries or damage. Get names, phone numbers and insurance details of everyone involved.
Also, ask witnesses for their contact info. and a quick statement if they’re willing. This is your proof. The more you collect, the stronger your case.
Step 3 – File a Police Report
In many cases, filing a police report is not just smart, it’s required. Officers will document the scene, take statements and assign fault. This report becomes a key piece of evidence for your insurance claim.
If you’re working with an auto accident attorney, they’ll use this report to build your case. Make sure you get the report number and a copy for your records.
Step 4 – Notify Your Insurance Company
Most insurance policies require notice within 24 to 72 hours of a car accident. Call your insurer within this timeframe or use their app to start the claim. Share the police report number, photos and any medical updates.
Stick to the facts – avoid guessing or admitting fault. Keep a record of your interactions with the insurance company via call, text and more. It helps later on.
Step 5 – Seek Medical Attention
Even if you feel okay after the accident, visit the doctor as some injuries take hours or days to show up. Follow all treatment plans and keep every receipt. Save copies of prescriptions, scans and doctor’s notes.
For instance, if a car crash occurred in Miami, a Miami car accident lawyer can help you recover compensation for the damages incurred, using the medical receipts for evidence, while you focus on healing.
Step 6 – Understand the Type of Claim
There are different kinds of insurance claims and knowing which one applies to your case helps you avoid delays.
- First party claim – It is filed with your own insurance company.
- Third party claim – It is filed against the at fault driver’s insurer.
- Property damage – It covers vehicle repairs or replacement.
- Bodily injury – It covers medical bills, lost wages and pain.
- Cashless vs reimbursement – Some policies pay directly, others reimburse after you pay out of pocket.
If you’re unsure which applies, a personal injury lawyer can help you sort it out.
Step 7 – Work With a Claims Adjuster
When the claim is filed, an insurance adjuster is generally assigned to the case to inspect vehicle, review documents and ask questions. Tell the facts and do not downplay your injuries. The communication is to be professional. Your car accident lawyer can step in if the adjuster starts pushing back or undervaluing your claim.
Step 8 – Review the Settlement Offer
When the offer comes in, don’t rush to sign. See if it covers all your medical bills, lost income and future care. Make sure your vehicle has been fairly valued and that you are not being pressured to accept quickly.
If the offer feels low or incomplete, a Miami personal injury attorney can negotiate on your behalf. You don’t have to settle for less than what you deserve.
Conclusion
Being in a car accident can leave one shaken, confused and overwhelmed. Dealing with pain, paperwork and pressure from insurance companies, all at once right after the car crash, is in no way easy.
Thus, knowing how the claims process works can help you avoid common mistakes and protect your right to fair compensation and you don’t have to go it alone. You can let a trusted Miami car accident lawyer step in to take care of legalities and make sure you’re not pushed into a lowball settlement.