For smaller claims with clear fault, many people negotiate directly with an insurance adjuster. The process rewards organization and patience.
Preparation
- Finish or reach a stable point in medical treatment.
- Gather bills, records, pay stubs and repair estimates.
- Get the police report and photos.
- Total your losses in a simple list.
The demand letter
- Explain what happened and why the other driver is responsible.
- Summarize injuries and treatment.
- List all losses with documents attached.
- State the amount you want and a response deadline.
Negotiating
- Expect a lower first offer.
- Respond in writing with reasons.
- Do not accept pressure to settle quickly.
- Know your minimum acceptable amount.
- Get the final agreement and release in writing before signing.
Watch the risks
A release usually ends your right to claim more. If symptoms worsen, or the insurer denies fault or the offer ignores medical bills, consult a lawyer. Do not miss the filing deadline. See our guide to the statute of limitations.
Frequently asked questions
Should I give a recorded statement?
You are generally not required to give one to the other driver's insurer. Be cautious.
Can the insurer see my medical records?
Only what you authorize, so limit releases to relevant records.