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How to solve a motor vehicle accident claim Imagine this scenario: You are in a car accident that is not your fault, and you and your car are suffering considerable damage. As a SmartDriver, you know your rights and once you have an accident, collect the other driver's insurance information and then file a claim for personal injury and damage to the other party. If you receive a letter offering a billing amount, should you accept it and continue? Sometimes it can be difficult to know what the right answer is. Often, an insurance company will offer you an amount that feels unjustifiably low, but you may not know the best way to solve the problem. Negotiating with the adjuster is never fun, but it helps to be informed about the process. Step 1: Document, Document, Document At the beginning of this process, it is an essential document, document and document: be sure to provide a police report at the time of the accident, go to the doctor to document your ...