Reporting an Auto Accident to the Insurance Company
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How Do I Report My Automobile Accident to My Insurance Company?
What Documents Should I Provide in Support of the Demand Letter?
- Damages: Damages refers to financial losses, such as physical damage done to your car, associated repair costs, lost wages, and any other related expenses. You should draft and/or collect the following documents:
- A detailed written report of the accident including police reports, any traffic tickets, and statements from the other party
- Photographs of damage to the car. You may wish to keep a disposable camera in your car for just this purpose, or use a camera phone
- Contact information of the parties involved and any witnesses, including names, phone numbers, and addresses
- Any statements, photos, and videos made by witnesses
- License plate numbers of the cars involved
- Receipts of mechanic expenses
- Hourly pay stubs from your employer to verify any amount of wages lost
- Pain and Suffering: Pain and suffering includes any injuries that you may have incurred due to the accident. Documentation may include:
- Medical bills and receipts, for example costs of emergency room visits and prescription medications
- Photos and x-rays of injuries
- Counseling costs in the event of emotional injury or trauma
- Projected impacts of any severe injuries, i.e., interference with your job
- May be able to file for punitive measures if the other party demonstrated malice
- Loss of consortium in the event that a loved one was lost due to the collision
Should I hire Lawyer to Help Me Report My Claim?
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Last Modified: 11-13-2012 03:48 PM PST
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