The adjuster called my cousin back in three weeks and wanted one number. An itemized total. She had a shoebox.
Half the receipts in it were already blank by then.
She got less than she should have. I watched it happen and there was nothing to argue with, because you can't argue with an empty shoebox.
Start One Folder on Day One
So here's what I'd do differently, and what I tell everyone now. Day one. One folder, one spot, and you put every receipt there the day it shows up. Doesn't matter if it's an accordion folder on your desk or a notes file on your phone or a Google Drive you'll forget the password to. The folder isn't the point. Actually using it the same day, that's the point. People buy the nice organizer and then pile receipts next to it instead of in it.
Photograph the paper ones immediately. I mean the second you get home. Pharmacy and gas receipts print on thermal paper and they fade to nothing in a couple months. Pull one out at the wrong time and it's a white rectangle. I've seen it.
Then a spreadsheet, nothing fancy. Date, vendor, category, amount, paid or still owed. Sunday night, five minutes, log the week.
The Accident Costs You Don't See Leaving
The hospital bill you'll keep. It scares you, so you hang onto it. Fine.
It's the small stuff that drains out quiet and never gets counted. Fourteen bucks to park at the specialist. The second brace after the first one didn't fit. Rides to therapy before the rental showed up. None of it feels like much on its own. Forty of them and you're down six hundred dollars with nothing to prove it.
Ask for the itemized medical bill, not the summary. Itemized puts a billing code next to every charge. The day an insurer fights you over a nine-hundred-dollar line, the code is what wins it. The summary version just loses quietly.
How to Track Mileage and Lost Wages
Mileage. This is the one everyone skips and it's free money sitting there. IRS medical rate for 2024 is 21 cents a mile. Ten round trips to PT at 30 miles each is 600 miles. That's $126 nobody hands you unless you wrote the trips down. Log the distance after each appointment or you'll never reconstruct it.
Prescriptions, crutches, a brace, a month of pain meds, that's three hundred dollars before you've done anything real.
Lost wages, save the pay stubs from before the crash and make your employer put the missed days and your rate in writing. "You missed about a week" out of someone's mouth is worth nothing in a claim.
Paid the kid next door to mow because bending over was out of the question? That receipt counts. People throw it away.
Medical Bills vs. Explanation of Benefits
Two documents here, not one, and people blend them into a single stack constantly. Your medical bill is what the provider charged. Your Explanation of Benefits is what the insurer paid and what's still on you. Match each EOB to its bill as they come in. Six of them months later, all at once, is a bad afternoon.
New York No-Fault Deadlines You Can't Miss
The clock. In New York your own policy usually covers the first round of medical costs through no-fault, whoever caused the crash. But you've got about 30 days from the accident to file the application, and that one's firm. Read New York's no-fault claims guidance early, once, so you know what no-fault is supposed to absorb and what turns into a separate fight with the other driver's insurer.
Recording Losses With No Receipt
Now the stuff with no receipt.Write it down every day while you remember it. One line. Pain level 1 to 10, what you couldn't do, which appointment you got yourself to.
Missed the kid's soccer game because an hour in the bleachers wasn't going to happen? Put the date on it. You won't remember the date in three months, and the date is what makes a stranger believe the rest.
When to Get Legal Help With Your Claim
There's a point where the spreadsheet stops being enough. A second insurer shows up. Or a provider ships a bill to collections while you figured no-fault had it. That's when you hand it to someone who does this all day.
A firm like Levine and Wiss takes the paperwork and the adjuster calls, which matters when you're still in treatment twice a week and can't think past Friday. Ten minutes of homework first, though. Reviews, how long they've run cases like yours. Pull up their profile for the background and ratings in one place. Choosing wrong costs you way more than ten minutes.
A Weekly Routine That Keeps You Ahead
Most people won't stick with any of this. Two weeks of a full folder, then it quits. So make it small enough that quitting feels dumb. Fifteen minutes, same slot every week. Photograph the new receipts, numbers into the sheet, log the miles, two lines on the week.
Every dollar you ask for later sits on a piece of paper you kept now.
Keep the paper.