How to Start Your Car Accident Claim and Get a Settlement

Having encountered a car accident, you are likely aware of the complexities of liaising with insurance firms to secure a just settlement for your injuries and related losses. Insurance adjusters typically aim to reach the lowest settlement possible in such scenarios. Nevertheless, post-accident, it is well within your rights to anticipate fair compensation to address your various requirements, encompassing medical expenses, emotional distress, and financial setbacks like lost wages.

Each case carries its distinct characteristics, potentially involving additional costs. Optimal enhancement of your compensation hinges on engaging a proficient attorney skilled in negotiating with insurance entities to secure the maximum benefits from your accident. Here is how to start your car accident claim and get a settlement.

Engaging with the Claims Adjuster

Initiating a claim signifies merely the commencement of a process. As the claim progresses, adhere to the insurance company’s requests for information and documentation. These details aid in their investigation of the accident and assessing the losses you claimed. For instance, if seeking compensation for injuries within your claim, an initial requirement will be to authorize the release of your accident-related medical records.

Exercising caution is paramount in interactions with the other driver’s insurance company. Despite clear fault lying with their insured (the other driver) in the accident, they may leverage any information or statements you provide to minimize their payout in your third-party claim.

Hire a Seasoned Attorney

A skilled attorney specializing in car accident injuries understands insurance companies’ methods to reduce claim payouts. These legal professionals are adept at negotiation and employ the tactics outlined below to strengthen your claim and secure the maximum compensation you deserve. If you choose to proceed without experience, insurance agents may exploit your lack of knowledge to offer minimal compensation.

The steps detailed herein are essential to reinforce your case for representation by a Maryland car accident attorney. Should you opt for self-representation, understanding and implementing these steps will form the basis upon which your attorney would support your case.

Negotiating and Settlement Talks for a Car Accident Case

You will likely receive a settlement offer quite early following the car accident, particularly when engaging with the other driver’s auto insurance provider. Even if you have not officially filed a claim with them, the insurer of the other driver might propose a swift settlement hoping you will accept it, aiming to resolve the matter swiftly (often before you fully comprehend the nature and scope of your accident-related damages).

For instance, you may have received treatment and been discharged from the hospital’s emergency room. Shortly after, the other driver’s insurance company might seek your agreement on a prompt settlement based solely on the medical expenses incurred up to that moment. Nonetheless, from a medical perspective, you might not yet grasp the complete extent of your injuries.

Sometimes, injury symptoms may not manifest until weeks after the car accident. If you agree to a rapid settlement with the insurance company and subsequently discover the need for further medical care for your injuries, you cannot later approach the insurance company to request additional compensation.


If you are willing to persevere through the car accident settlement process until you achieve a satisfactory outcome, managing your car accident claim independently could be acceptable. However, particularly if your injuries are severe, you should consult a seasoned legal expert to review your circumstances and explore potential options.


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