What Happens If I Try to Handle My Car Accident Claim Myself?

What Can Happen If I Try to Handle My Car Accident Claim Myself

If you’re wondering “What happens if I try to handle my car accident claim all on my own – without a lawyer?” … I’m here to help! Read on…

While no law bars you from representing yourself in a car accident claim, retaining the services of a lawyer is more than recommended.

For one, state and county regulations are key in determining fault and liability. Local lawyers have spent much time studying legal precedents to assess your case.

Furthermore, negotiating with the insurance company is a skill that must be developed over time – and can be wildly stressful.  No worries – I’m here to help!

As you might know, I am a recovered stress sufferer. I understand how tough it is to try to manage uncomfortable emotions during challenging times.

I even wrote a bestselling meditation guide called Instant Calm and founded the groundbreaking video course called The Anxiety Cure.

I love sharing insights and strategies to help people stay calm – especially in tough times.

With this in mind I put together this quick guide to offer some helpful insights about what happens if you try to handle a car accident claim yourself.

First things first… Competent attorneys are well-versed with all the reasons cited by insurance agents to deny a claim. They can thereby save you a lot of stress and anxiety.

For example…

They know details – like how the region of the event plays a big role in the legal action for car accidents.  In fact, car accidents in San Jose can be extra complex because California follows a comparative negligence protocol. In this case, you are eligible for compensation even if you were partially at fault. Nevertheless, to win such a claim, you must prove that the other party’s percentage negligence was greater than yours. Because of legal fine print like this, you must consult car accident lawyers in San Jose to determine the best approach to your case. 

When Can I Handle My Car Accident Claim Myself?

Let’s face it, after a car accident, the thing that disturbs you the most is wondering how you’ll settle the piling costs, including medical fees. Hiring a lawyer may be an extra cost to your already tight budget. 

Although many car accident injury claims are complicated and require legal help, you can easily handle accidents with minimal injuries or property damage if:

1. The at-fault insurer acknowledged full liability

For most car accident cases, negotiations with insurance companies or other parties may drag on for months or years. Settling a personal injury claim after a car accident is faster if the at-fault party’s insurance provider accepts the liability entirely. The most efficient way is to ensure you have written proof of the insurance company’s liability acceptance for the car crash

2. You have medically recuperated 

Who doesn’t like to take a breather after a tragic incident? Well, after getting injured in a car accident, it is crucial to rest and let your injuries heal. Besides, minor injuries can lead to more severe conditions if you fail to get timely treatment or follow bed rest instructions from your healthcare provider. A skillful car accident lawyer will help you file a claim and take care of the entire personal injury claim process while you recuperate. 

3. You have enough time to handle the claim

A personal injury claim process can be quite lengthy. If the case goes to trial, it may take months or even years to settle. If your injuries are yet to heal, a car accident lawyer in San Jose can handle these legal proceedings for you. 

4 Reasons To Let a Lawyer Take Care of Your Car Accident Claim 

According to statistics, California has the highest number of car accidents in the US. The state records over 200,000 automotive accidents that result in injuries and damages in a year. Moreover, it is the second-highest state in the number of deaths resulting from car accidents, with over 3,000 deaths annually. 

In a car accident claim, the insurance agents and other involved parties fight to bend the odds in their favor. In such a case consulting a professional who is well-versed in such claims is the best choice. 

There are plenty of reasons to consult a lawyer to handle your claim rather than doing it yourself; the main ones include: 

1. Insurance agents are hard to deal with

Dealing with insurance agents is hard because they use countless tricks to deny your claim or lower the financial compensation. With such trickery and well-laid traps on your car accident claim journey, you’ll need professional help. A car accident lawyer in San Jose will help you deal with the insurance agents while avoiding any setups.

2. Negotiations require skill

After an accident, the insurance companies often offer the plaintiff an initial settlement much lower than they deserve. When handling your claim directly, it is easy to fall for this offer and get an amount that can barely cover your damages. A car accident lawyer will help build your case, negotiate with the insurance provider, and ensure you get a maximum payout. 

3. Investigating and acquiring evidence is a daunting task

You must investigate and get proof that the other party’s negligence caused the car accident. The insurer will only accept liability if you have enough proof against the at-fault party. Having a professional lawyer by your side will be useful, especially if you have never carried out an investigation.

4. You’ll need an attorney to represent you in court

Although most car accident claims are settled out of court, some cases still end up in court. If your case proceeds to court, you’ll need an attorney to represent you. Why not find one initially rather than hire one at the last minute? 


After getting injuries from a car accident, your bills may pile up, and if you have no way to settle them, you might think that handling the accident claim process by yourself will help you save a few dollars. But getting the other party’s insurance company to accept liability is quite hard, and you might eventually lose your compensation.

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