Personal injury claim process specific to car accidents can be complex if you’ve never gone through it or done it yourself, which is why you should get an attorney to help you out with it. First, you’re in an accident. Number one, call the police, wait for them if they come. I know sometimes in New York they take hours and they won’t fill out a police report. They’ll tell you to fill out your own MV 104 form, which is a form that it looks like a police report, but it’s blank. You fill out your version of the accident and send it off to Albany. That’s the is one of the most important aspects of the case because that is the official document reporting what happened and how the accident happens.
After that, concerning the claims, go immediately to urgent care if you’re injured or to the hospital, but you should get some medical treatment and contact your attorney. I would recommend not speaking to the insurance company until you have your attorney. And the attorney will set up claims with the no fault carrier, with the bodily injury carrier, and you can begin treating at your medical facility.
One more thing as far as claims process, while you’re treating and when you’re done treating, the attorney can then try and negotiate a settlement with the claims rep. But this is just in claims. If you cannot settle in claims, then you file a summons and complaint and you move on to the litigation phase.