The past few years of pandemic-induced changes have exposed a lot, but one thing no one was expecting to see more clearly is the way car insurance companies routinely put profits over people. According to recent estimates by the Consumer Federation of America, car insurance companies raked in over $29 billion in windfall profits throughout 2020.
One reason why insurance companies are profitable businesses is because consumers rarely know their rights and responsibilities after a car accident. To ensure compensation, you must take care to collect the proper evidence to prove your claim. Without this evidence, you could end up getting your claims denied or losing your right to seek compensation in court.
Since the burden of proof falls on the plaintiff, it’s up to you to set yourself up for success. Are you unsure about what types of evidence you should collect before seeking out an accident claim? Learn more about the top five types of evidence you need to win an accident claim below.
1. The Police Report
After a car accident, the first thing you should do is call the police. Once police arrive, they’ll not only help anyone who is injured but they’ll also help secure the scene, too. All these valuable efforts aren’t the only thing the authorities do at the scene, though.
The police will document everything that happened in an official police report. They’ll also treat your car accident like any other investigation, which means they’ll immediately start looking for clues and evidence that points to who was responsible for the crash. If there are witnesses present, then the police may ask them to describe what happened. Everything that is found in the initial investigation will be well documented on the police report.
Once you’re able to, contact that police department and request a full copy of the police report. This invaluable evidence will not only prove that an accident happened, but it will also prove who was involved, explain what damage occurred, and give further clues as to who was at fault.
2. Witness Statements, Photos, or Video Evidence of the Accident
While the police report may point to some key evidence regarding fault, you should take additional steps to collect even more proof. This proof may come in the form of witness statements, photographs of the accident scene, or video evidence from a dash cam or nearby surveillance camera.
On top of all this information, it may be in your best interests to hire an accident reconstruction expert. This expert can help strengthen your case by showing how specific evidence proves the other party was at fault. Speak to your lawyer if you think you’ll need an expert witness.
3. Car Repair Estimates
Your car was likely damaged, so be sure to get a proper car repair estimate. This estimate should explain exactly how much it will cost to repair or replace your car. While it’s not necessary, it might be prudent to get several estimates to further back up your claims for compensation.
4. Your Medical Bills and Diagnosis
Next, you’ll want to prove that you suffered losses due to your injury. To do so, you’ll need to document your injuries and expenses through your medical bills and medical diagnosis. Ask your doctor for a copy of both of these key pieces of evidence.
Depending on the severity of your diagnosis, you may end up suffering long-term or future losses due to your injury. If you feel that’s the case, then it’s wise to hire a medical expert who can testify on your behalf regarding the seriousness of your injury or diagnosis.
5. Employer Documentation Regarding Lost Wages
Finally, you’ll want to provide evidence that proves how much you lost due to an inability to work. This evidence will come directly from your employer in the form of a letter. This letter should state how much you earn on average, how much time you missed off of work, and whether or not your injury will prevent you from continuing to work into the future.
Next Steps After Collecting Your Evidence
Once you’ve collected and compiled all your evidence, you’re likely feeling self-assured and ready to pursue your claim. The good news is that all that evidence will help you get the compensation you deserve. The bad news is that your fight is far from over. Your insurance company and the other driver both have good reason to deny your claims or argue that you were at fault. Never give in to the temptation to accept less compensation than you deserve.
If you’re ready to pursue a car accident claim, then let our attorneys help you pursue justice. Together, we’ll ensure that the responsible party compensates you for every loss you’ve endured. Leave your contact information on our online form now to get started on your car accident case.