The Importance of an Accident Report
The most important piece of documentation you will need to get after an accident is the accident report.
The accident report sometimes called the accident exchange form, is filed by the responding law enforcement agency.
The report will describe what happened and who was involved. It will also include information on vehicle positions after the accident and where the damages were on the vehicle. It will also list contact information and any insurance information for the parties involved.
The report should have statements from each driver, along with statements from any potential witnesses.
In addition, it will also assign liability and notate if any citations were given as a result of the investigation.
The insurance company will require a copy of the report to help determine who was at fault and be held liable for the accident.
No payment will be made to the auto repair shop or any medical provider until the liability is determined.
As the official record, this report will provide the foundation for your claim. If the insurance company does deny liability even though the accident report states otherwise, immediately contact an attorney.
An attorney can help you establish who was liable, building upon the evidence provided in the report.
Never let an insurance company get away with denying liability if you genuinely believe that the other party is at fault.