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How to Settle a Car Accident Claim Without a Lawyer

Accidents happen every day and nearly three million people are injured every year. Two million people involved in car accidents have lifelong injuries that will affect them for the rest of their lives. The sooner your car accident claim is resolved, the sooner you can focus on your rehab.

How to Settle a Car Accident Claim Without a Lawyer

How to Settle a Car Accident Claim Without a Lawyer
How to Settle a Car Accident Claim Without a Lawyer

However, if you’re like most people, you may be wondering if you need to hire a car accident lawyer. Here’s how to solve a car accident claim without hiring a lawyer so that you can make the best option for your needs and budget.

Determine your loss amount

Before you start mediating, make sure you have a clear understanding of the losses you have incurred. This is in addition to any physical damage to your car and any injuries you may have suffered. Add up all the expenses you incur after the accident. Include everything from auto repairs and medical bills to salaries missed due to vacations.

You will also be able to include future expenses in your total damage. If your injury has prevented you from working in your usual job for many years, make a note of it. Lost wages may qualify to be included in your total damages.

Talk to the adjuster at the insurance company

Before you start working on a settlement you should first consult with an insurance adjuster to see what they are prepared to cover after your claim. They will look into any damage to your car as well as any medical bills you may have incurred as a result of the collision. They will use this information to get a payment that seems reasonable to them. It is not uncommon for such payments to be made immediately.
To get the most out of your settlement, you will need to negotiate with the insurance company. Stop your emotions if you are interacting with an insurance provider. When you talk to them, you need to be calm, calm and together so that you can focus on what they are saying and identify when problems arise with their perspective.

Create your request letter by following these steps

Now is the time to write your request letter as you know how much the insurance company is willing to pay. This is your chance to explain why the insurance company’s compensation is not enough and why you need extra funding. Be sure to describe your injuries and losses in as much detail as possible, with the most realistic numbers.

Explain why the other car driver is responsible for those extra costs and why their insurance company should pay you compensation. Unusually, even if a request letter is enough to raise your settlement amount to the desired level, it is still a good place to start. It sends a message to the other insurance company that you want to fight for your rights.

They will respond with a counter-offer upon receipt of your message. You have the option of accepting or continuing to discuss the offer at this point. If you accept the settlement you are done, and you can focus on getting your life back on track. However, if you continue to negotiate, you will need to take the matter to court if you want to get the maximum amount.

Before going to court, do your homework

Make sure you do your homework before going to court. Be aware of the fees that may be charged when bringing an issue before a court of law. Administrative costs, court fees, and the possibility of further losses due to time spent in court rather than work are factors to consider.

If possible, try to resolve the car accident case out of court

You will meet with the other driver’s car accident lawyer to reach an agreement on fair compensation. This saves you time, money and the cost of hiring a car accident lawyer to protect you in court.

If you decide to take your case to court, do your homework on the types of settlements other drivers in your situation have received in past cases. This will help you better understand your choices and winning prospects. If you lose, remember that you are responsible for other drivers’ legal bills. The better you prepare for your next trial, the better.

Wait for the judge to decide before accepting the arbitration

After hearing your case, the court will decide how much settlement you will receive. If you represent well, that amount will be larger than the amount initially paid by the insurance company. If you are unable to build a strong case, the judge may decide that the first payment from the insurance company is sufficient. Once you accept the settlement, you will be able to close your car accident claim and move on with your life.

Recognize that expressing your opinion is not always the best option

It is possible to represent yourself in court and settle a car accident claim without having to use a car accident lawyer, it is not recommended. Lawyers have a great deal of expertise in obtaining compensation for clients. Even better, they can speed up the settlement process and allow you to get your money back faster. If you go to court, they will be able to build your case against the insurance company’s expert legal team and argue on your behalf.

Now you know how to resolve a car accident claim without having to hire a lawyer

If you have an accident, the first thing that comes to mind is probably saving money. Just because you know how to settle a car accident claim without a lawyer, does not mean you have to go it alone. Instead of trying to stand up for yourself, let the Kerley Schaffer team help you get the compensation you deserve. To book a free consultation, please contact us immediately.