How to Settle a Car Accident Claim Without a Lawyer


Car accidents occur every day, and more than three million are injured in accidents each year. A staggering two million victims of car accidents suffer permanent injuries that affect them for the rest of their lives. The faster you resolve your car accident claim and the quicker you can begin focusing on the recovery process.

Like many people, you’re considering whether hiring a car accident lawyer is needed. This article will help you deal with a claim from a car accident without a lawyer’s help so that you can make the most appropriate choice for your needs and your budget.

Assess the severity of your losses


Before making a settlement, you must ensure you know the damage you sustained. This is in addition to the physical damage done to your vehicle and any injuries you sustained. Next, take all the costs you’ve faced since your accident occurred. Include everything, from repairs to your car medical expenses to the loss of income due to missing work.

It is also possible to add any future costs in addition to your list of injuries. For instance, if your injuries keep you from performing your regular job for several years, keep a record of the period. Then, you might be able to add these future lost earnings to the total damage.

Remember that calculating the exact amount of your losses can be a challenge. It is essential to consider all the possible expenses you might face to ensure you receive the most substantial settlement possible. There’s nothing wrong with over-requesting initially, as long as you’re willing to negotiate the amount of compensation.

Talk to the adjuster for your insurance.

Before you begin making a settlement plan, you must speak with the adjuster from your insurance company to learn what they’re willing to pay following the time you make a claim. They’ll assess the damage caused to your car and any medical expenses you may have in connection with the accident. They’ll use this information to determine a reasonable payment amount according to their view. It’s scarce for the amounts to be adequate in the beginning.

Negotiating with your insurance company to get the most value from the settlement is necessary. When talking to an insurance provider, keep your feelings to the side. It is essential to remain calm, cool, cool, and clear when speaking with them so that you can be more attentive to what they are saying and spot any flaws in their attitude as they are brought up.

Craft your demand letter

Once you know the amount the insurance company will accept, you can create an offer letter. This is your opportunity to present why the insurance settlement isn’t sufficient and why you need more cash. Make sure you explain the severity of your losses and injuries in detail. You should use actual numbers if you can.

Make clear why you think the driver behind is accountable for these additional costs and why their insurance company has to compensate you for the amount you’re due. While it’s not likely to find that a demand note will be sufficient to boost your settlement to the amount you’d like, it’s the beginning stage. In addition, it shows the insurance company you’re ready and willing to fight for the compensation you deserve.

After they’ve received the letter, they’ll make an offer counter-offer. After that, you can accept the counter-offer or continue to negotiate. If you decide to take the settlement, it’s over, and you can concentrate on returning to normal. However, if you keep trying to bargain, you’ll probably be required to go to court if you wish to receive the most money possible.

Be sure to do your homework before going to the court.

Before making an appearance before a judge, conduct your homework. Know the costs you’ll have to pay when bringing a case before the judge. There are administrative and court fees and the possibility of further loss of income since you’ll be forced to sit in the courtroom rather than work.

If possible, try to resolve any car crash claim outside of court.

The lawyer for the other driver reached an agreement regarding a fair settlement. This will help you save time and money and the cost of having to engage an attorney in an auto accident to defend your case.

If you choose to pursue a lawsuit, ensure you study the kinds of settlements that other drivers in your position have received in prior cases. This will allow you to know your options better and increase your odds of winning. If it’s a loss, you may end up paying the attorney fees of other drivers’ costs. The better well-prepared you can be for the court date, the more successful you’ll be.

Seek the verdict of the judge and then accept the settlement

After having heard your case after hearing your case, the judge will decide on the amount of settlement you are entitled to. If you’ve done an excellent job representing yourself, this amount will be more significant than an insurance provider initially made available. On the other hand, if you were unsuccessful in presenting a convincing case, the judge might decide that the insurance company’s initial settlement was adequate. After accepting the payment and terms, you’ll be able to finish the claim for your car accident and continue to live your everyday life.

Know that representing yourself as the best isn’t always ideal.

Although it’s possible to take your case to the courtroom and resolve a vehicle crash claim without the need of a lawyer, however, it’s not the most effective choice. Lawyers have years of experience helping clients receive their due compensation. Additionally, they can simplify the settlement process so that you accept your cash more quickly. Finally, if you need to appear in court, they’ll be in a position to argue an argument your case to the insurer’s expert legal team.

You now know the best way to resolve a vehicle crash claim without the help of an attorney.

If you’ve been involved in an incident, your initial idea that comes to mind is probably how to cut costs. If you’re aware of how to settle your claim for a car accident without the help of having an attorney, you’re now ready to begin presenting your claim; however, this doesn’t mean that you have to take it on by yourself. Instead of attempting for yourself to be a lawyer, let the experts at Kerley Schaffer help you receive the compensation you’re due. Contact us today to set up an appointment for a no-cost consultation now.