1. Treatment and documentation
It usually makes sense to wait until you've recovered (or reached a stable point) before settling, so the full extent of your injuries and costs is known. Medical records and bills become the backbone of the claim.
2. The demand and negotiation
Your side sends the insurer a demand laying out the facts, injuries, and damages. The insurer responds, and there's usually back-and-forth negotiation. Want a rough idea of the numbers involved? Try our case value calculator.
3. Settlement or lawsuit
If both sides agree, you sign a release and get paid. If not, filing a lawsuit keeps the claim alive — and many cases still settle even after a suit is filed.
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This guide is general information for educational purposes only. It is not legal advice, does not evaluate your situation, and does not create an attorney-client relationship. Laws change and vary by location — for advice about your specific situation, consult a licensed attorney.