Steps in the Las Vegas Car Accident Claims Process
If you have been involved in a crash in Las Vegas, knowing the proper steps to take during the claims process can protect your health, rights, and ability to recover full compensation. Contact one of our Las Vegas auto accident lawyers today for more information.
1. Report the Accident Immediately
After a car accident, you must report the crash to law enforcement if it caused injury, death, or property damage over $750. Drivers must also stay at the scene and provide information to Las Vegas police officers. A police report creates an official record that can support your insurance claim or lawsuit later.
2. Seek Medical Attention
Always seek medical treatment as soon as possible, even if you feel fine. Some injuries take hours or days to show symptoms. Medical records provide essential evidence that links your injuries to the crash. Delaying treatment can give insurance companies a reason to deny or minimize your claim.
3. Gather Evidence at the Scene
If you are able, collect as much evidence as possible at the accident scene. Important evidence includes:
- Photographs of all vehicles, visible injuries, skid marks, and road conditions.
- Contact information for all drivers, passengers, and witnesses.
- Insurance information and vehicle registration from the other driver.
The more evidence you gather immediately, the stronger your claim will be.
4. Notify Your Insurance Company
After the accident, notify your own insurer promptly. Cooperate with their investigation but avoid giving recorded statements or admitting fault without speaking to an attorney first. Insurers often look for reasons to reduce or deny claims early in the process.
5. Determine Fault and Liability
Nevada follows a modified comparative negligence rule. You can recover damages as long as you are not more than 50 percent at fault, but your compensation will be reduced by your percentage of responsibility. Evidence from police reports, witness statements, and accident reconstruction experts can help establish the other driver’s liability.
6. File a Claim with the At-Fault Driver’s Insurance Company
File a claim with the at-fault driver’s insurance company. Your claim should include:
- Medical bills and records.
- Proof of lost wages.
- Estimates or invoices for vehicle repairs.
- Documentation of pain and suffering.
Insurance adjusters often make low initial offers, and it is in your best interests to refrain from settling until you complete medical treatment or have a clear understanding of your future care needs. Be cautious and have a car accident attorney review all settlement offers carefully before accepting.
7. Negotiate a Settlement or File a Lawsuit
If the insurance company refuses to offer fair compensation, you may need to file a personal injury lawsuit. In Nevada, you generally have two years from the date of the accident to do so.
How a Las Vegas Car Accident Lawyer Can Help
An experienced car accident lawyer in Las Vegas protects your rights at every step of the claims process. They handle communication with insurance companies, gather and preserve evidence, calculate the true value of your damages, and negotiate aggressively for a fair settlement. If necessary, they prepare and file a lawsuit to fight for full compensation in court. With a lawyer on your side, you avoid costly mistakes and focus on recovering.