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Immediately report the car accident to your insurance company. Also provide the insurance company with information on the other driver. Immediately filing a claim will speed up the process of getting your car repaired and securing a rental vehicle, if necessary. Do not lie when stating the facts of the accident, as this can result in denial of your coverage. The other driver may suggest not filing claims in the event of a small accident, as filing a claim will raise your rates. However, it is always a good idea to file a claim to protect yourself. The other driver may later change his mind and file a claim, even claiming injuries that weren’t apparent at the time of the accident. You want to be sure your insurance company has your version of the accident as soon as possible. Particularly if anyone was hurt in the accident, hiring a lawyer is a good idea. A lawyer can help you maximize your reward if you have been injured, or defend you if the other motorist was injured. Keep records of any hospital visits, tests, prescriptions or other expenses that arise as a result of your auto accident. This information will be needed by your insurance company and attorney. If the accident impacts your life to the extent that you decide to file a personal injury suit, you can claim damages for mental and physical distress and/or lost wages, as well as medical treatment. Keep a diary of how the injuries impact your life, including missed workdays, routine activities you cannot undertake, and changes to you family life. This will determine how much your company, or the other motorist's company if they were at fault, is willing to pay to replace or fix your car. If you think the number is too low, get your own independent estimates, and then discuss them with your adjuster. Certainly the other motorist’s company, and perhaps your own, may not have your best interests at heart.  If the other motorist’s insurance company calls you, politely refuse to discuss the accident with them and mention the call to your own insurance company or lawyer. If your company offers you an early settlement, do not sign it until you are sure you will be compensated for all your injuries. Some injuries – particularly back and neck ones caused by whiplash – might not show up or reach their maximum level of pain until weeks or even months after the accident.
File an insurance claim. Consider hiring a lawyer. Document medical treatment. Keep track of pain and suffering and lost wages. Get an insurance company damage valuation. Protect yourself from insurance companies.