How to Settle Your Car Accident Claim Without a Lawyer

There are some instances where you can settle your car accident claim without the help of a lawyer. It is important to know when you can do so, and how to properly navigate that process.

When It Might Be Possible to Settle on Your Own

It is not always possible to settle your claim without a lawyer. You can usually do so in cases that have these circumstances:

• Minor Accidents: If your accident was very minor, and had no serious injuries, you may be able to settle on your own.
• Clear Liability: You will be able to do so if there is clear liability and the at-fault party has accepted responsibility.
• Cooperative Insurance Adjusters: If the insurance adjusters are being cooperative, you may not need a lawyer.

Steps to Take When Settling Without a Lawyer

If you have determined you do not need legal help, here are some steps you should take to protect yourself:

• Document the Accident: Be sure to get the police report, and all photos of the damage.
• Gather All Necessary Information: Make sure to also gather all insurance information for the other party.
• Calculate Your Damages: You should be sure to calculate all damages, including medical bills, property damage and lost wages.

Negotiating With the Insurance Company

Negotiating with the insurance company can be very difficult:

• Be Prepared to Negotiate: You may have to be prepared to negotiate with the insurance company.
• Know Your Rights: You also must know your legal rights and what you are entitled to.
• Be Reasonable: It is also very helpful to stay reasonable, and to be polite during all conversations.

Reaching a Settlement Agreement

Once you have reached an agreement, it is important to finalize it correctly:

• Get It In Writing: All settlement agreements must be written, and must be signed by all parties.
• Review Carefully: Be sure to review all paperwork, to ensure you know what you are signing.
• Release of Liability: The agreement may contain a release of liability, that will bar you from pursuing further action in the future.

When to Reconsider Legal Help

Even if you have determined you can handle it on your own, there are still instances where you may need legal representation:

• If the Insurance Adjuster is Unfair: You should contact a lawyer if the insurance adjuster is being unfair and is denying your valid claim.
• If Your Damages are More Than Expected: You should contact an attorney if you find that your damages have exceeded what you thought they would initially.
• Complicated Liability Issues: If you find that your accident has complex liability issues, contact a lawyer to see how they can help.

Settling your car accident claim on your own can be difficult. If you are unsure about what to do, seek legal advice from a professional. You may also find our article on Understanding Car Accident Settlements helpful.

Disclaimer: *The information provided in this article is for informational purposes only and does not constitute legal advice. Please consult with a qualified attorney for advice specific to your situation.*