Have questions about filing a car accident claim? You’re not alone. Whether you’re just starting the process or dealing with delays or denials, this FAQ guide covers the most common questions accident victims ask, and gives you the answers you need to move forward with confidence.
First, ensure everyone is safe and call emergency services if needed. Then, exchange contact and insurance details with the other driver(s), document the scene with photos, and file a police report. Even if injuries aren’t obvious, seek medical attention promptly. Once safe, notify your insurance provider and begin preparing your claim. For help getting started, review this step-by-step claim filing guide.
Time limits vary by state and claim type. In some cases, you may have as little as 1–2 years to file a personal injury claim, while property damage claims may allow a bit more time. If you miss the legal deadline, your claim could be permanently barred. Learn more about your state’s limits in our guide to claim deadlines.
Most insurers require a police report, photos of the damage, medical records, repair estimates, and proof of lost income (if applicable). Keeping organized records from day one can help speed up approval and reduce the risk of denial. For a full checklist, visit our essential claim documents list.
If you were hit by an uninsured driver, your own uninsured motorist (UM) coverage can step in to cover your medical costs and vehicle damage. Not sure what your policy includes? Learn how to check your coverage types and limits and what to do if the other party can't pay.
Common reasons include missed deadlines, lack of documentation, policy exclusions, or disputes over fault. A denial isn’t always final, you may still appeal. Our complete guide on what to do after a claim denial outlines how to challenge the decision and what steps to take next.
Yes, but with caution. Adjusters represent the insurance company, not you. What you say can be used to lower your payout. Stick to the facts and don’t admit fault. If you’re unsure how to handle these calls, review tips for speaking with insurance adjusters before giving a recorded statement.
Not always, but it’s often a smart idea, especially if you’re facing serious injuries, complex liability, or a claim denial. Attorneys can negotiate higher settlements, ensure your paperwork is correct, and protect you from bad-faith tactics. If you're on the fence, here’s when hiring a lawyer makes sense.
Some of the most costly errors include delaying medical treatment, giving unclear statements, accepting early settlement offers, or failing to submit complete documentation. To stay ahead, read our list of common claim mistakes and how to avoid them.
Payouts depend on your injuries, vehicle damage, lost wages, insurance policy limits, and more. Some states allow pain and suffering compensation, while others don’t. It’s best to speak with a legal professional to get an accurate estimate. You can also explore additional financial help programs through the victim compensation and assistance in your state, provided by the U.S. Department of Justice.
We connect accident victims with experienced attorneys who understand MVA claims inside and out. Whether your claim is just starting or has already been denied, we help you understand your options and maximize your recovery, you pay nothing unless your attorney wins.
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