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Every parent dreads hearing that his or her child was hit by a driver, but it happens all the time. There are some tips you can use to help you and your teen go through the insurance claims process more easily. In fact, these tips also make it easier to file a civil lawsuit if the driver who struck your teen does not have insurance. Your attorney will need this information, and any information you can get, to help you maximize your settlement agreement.
1. Seek medical attention
Sometimes, teens don't understand the importance of seeking medical care after a car accident, particularly if they don't feel as if they are injured. However, injuries often crop up later, hours or even days after an accident. It's best to head to the hospital right away for a checkup. That hospital appointment, and the bills that follow, may be covered by insurance and can go into a claim against the negligent driver, so you shouldn't have to foot the bill.
2. Get photos of the scene
If you rush to the scene to be with your child, remember to take photos once you get there. If you talk to your teen on the phone, remind him or her that photos help the claim that the other driver caused the accident. The layout of the vehicles, the surroundings and evidence like tire tracks show how an accident occurred. Additionally, take pictures of the damage to your teen's vehicle as well as of any obvious injuries.
3. Keep records
It's a good idea to keep records of everything from the police report to the other party's insurance information. You should get witness emails and phone numbers, license plate numbers and other helpful information to include in your case. If you end up having to sue for compensation, witness testimonies, a police report and records of your injuries play a major role in getting the compensation you deserve.
These are just a few things to remember when a crash takes place. Make sure to get the medical help you need, then take the time to collect information and evidence. Your attorney can reach out to the insurance company to help get your claim started.