How to settle a car accident claim without a lawyer

1. What to do immediately after an accident

• Stay safe: If there are no serious injuries, move the vehicle to a safe location.
• Collect evidence: Take photos of the accident scene, vehicle damage, and any injuries.
• Gather witnesses: If there are any eyewitnesses, get their names and contact information.
• Collect a police report: If police reports are mandatory in your area, collect the report.

2. Contact with the insurance company

• Notify your insurance company: File a claim as soon as possible with a detailed description of the accident.
• Submit the required documents: Submit the required documents as per the terms of your insurance policy, such as:
  • Police report
  • Car photo
  • Medical bills (if any)
  • Accident details

3. Discussion with the other party

• Determine the amount of the claim: Determine appropriate compensation based on the extent of the damage and medical expenses.
• Try to find an amicable solution: If it is possible to negotiate with the other party’s insurance or in person, create a written agreement.

4. Negotiating with the insurance company

• Verify the compensation value: If the insurance company wants to pay less compensation, substantiate your claim with proper documentation.
• Negotiate a settlement: If necessary, sit down with an insurance company representative or compensation specialist to discuss the matter.

5. If there is a problem

• Complain to the consumer protection agency: If the insurance company wrongfully rejects the claim, then complain.
• Consider out-of-court arbitration: In some cases, a resolution can be attempted through a third party.

When should you hire a lawyer?

If—

• Accidents result in serious injury or death.
• The insurance company refused to pay fair compensation.
• The other party sues or wants to convict you.

By following these steps, it is possible to settle a car accident claim without a lawyer. However, if you encounter problems, it would be prudent to seek legal advice.