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What Documentation Do I Need to File a Car Accident Claim in Missouri?

When a car accident disrupts your life, the right evidence can make a huge difference in your claim. Clear documentation helps establish fault, show the extent of your damages, and support your case for fair compensation.

However, if you’ve never filed a claim before, you might wonder which documents matter most and how to keep them organized. Learn the must-have documents for filing a car accident claim in Missouri and how experienced St. Louis car accident lawyers can help you build a strong case and maximize your settlement.

The Role of Documentation in Proving Your Car Accident Case

Insurance companies and courts rely on evidence to determine fault and calculate compensation. Incomplete or missing records can weaken your claim, delay the process, or reduce your settlement.

Having the proper documentation ensures you can:

  • Prove how the accident occurred
  • Demonstrate the extent of vehicle damage
  • Verify injuries and medical treatment
  • Substantiate financial losses, such as medical bills and lost wages

Key Documentation for Your Car Accident Claim

Collecting thorough documentation can make the difference between a successful claim and a denied one. Here’s what records to keep and tips for collecting them:

Photo and Video Evidence

Visual evidence clearly depicts the accident scene and the damage sustained. Take pictures and videos of the following:

  • The accident scene from multiple angles
  • Vehicle damage
  • Visible injuries
  • Road conditions, traffic signs, and signals

This evidence can help St. Louis car accident lawyers demonstrate fault and the collision’s severity.

Police Accident Report

A police accident report is a vital document that offers an objective summary of the incident. The report typically includes:

  • Date, time, and location of the accident
  • Contact information of all parties involved
  • Officer’s observations and conclusions
  • Citations issued, if any

Request a copy of the report from the Missouri State Highway Patrol’s Traffic Division or your local troop headquarters.

Witness Statements

Witnesses can provide valuable third-party accounts of the accident. Collect the following details:

  • Statements describing what they saw
  • Contact information for follow-up
  • Any photos or videos they may have captured

Thorough accounts from witnesses can help establish fault, especially in disputed cases.

Medical Records and Bills

Medical records are essential for proving the extent of your injuries and the treatment you received. Gather the following records:

  • Emergency room records
  • Physician evaluations
  • Diagnostic test results
  • Physical therapy records
  • Prescription receipts

These documents help link your injuries directly to the accident and validate the medical expenses incurred.

Proof of Lost Wages and Out-of-Pocket Expenses

If your injuries caused you to miss work, you might be entitled to compensation for lost wages. To support your claim, collect this information:

  • Pay stubs and wage statements
  • Employer verification of time missed
  • Records of self-employment income, if applicable

Additionally, keep receipts for any out-of-pocket expenses related to the accident, such as transportation to medical appointments or vehicle towing costs.

Steps to Organize Your Car Accident Claim Documents

Proper organization of your documents can streamline the claims process. Follow these steps to keep everything in order:

  • Create a Dedicated File: Store all physical documents in a folder or binder that is clearly labeled and easily accessible. Use dividers or tabs to separate different types of records, such as medical bills, police reports, and repair estimates.
  • Digitize Records: Scan physical documents and save them as electronic copies. Use secure storage options like cloud services, such as Google Drive, or an external hard drive to keep your files safe and easily accessible.
  • Label Files Clearly: Use descriptive file names for your scanned documents, such as “PoliceReport_Dec2024.pdf” or “MedicalBills_Feb2024.jpeg.” This makes it easier to locate specific files when needed and ensures clarity if you share documents with your lawyer or insurance adjuster.
  • Maintain a Timeline: Use a spreadsheet or notebook to record events and when you received documents or learned of new information. Include key dates like the accident, the start of medical treatments, and repair estimates to track the sequence of events clearly.
  • Organize Communication Records: Save copies of all correspondence related to your claim, including emails, letters, or text messages with your insurer, mechanic, or lawyer. Include notes on phone conversations, including the date, time, and details discussed.

Need Help With Your Claim? Speak With an Experienced St. Louis Lawyer Today

Managing the car accident claims process can be complicated, especially when dealing with insurance companies focused on minimizing payouts. The experienced car accident lawyers at Cofman Townsley can assist you in collecting the necessary documentation, negotiating with insurers, and pursuing the compensation you deserve.

With extensive experience handling car accident cases throughout St. Louis and Missouri, our team knows how to handle complex claims and fight for the results you need. Contact us today for a free consultation, and let our team help you collect the evidence you need to build a strong case.