Representing the Rights of Injured Individuals Law Offices of Ronald A. Ramos
Law Offices of Ronald A. Ramos

Can I Settle My own Car Accident Claim?

Those who were involved in minor car accidents often feel they can handle their own accident injury claim. While this may be true under limited circumstances, in nearly all cases, it’s a better idea to work with an experienced injury attorney to ensure you get the compensation you deserve.

Sometimes you can settle on your own

When an accident is relatively mild, such as a slow-speed rear end crash at a red light, you may be able to settle your claim on your own. Provided the other driver has acknowledged fault, you haven’t missed substantial time from work and your injuries are minor you can most likely settle with the insurance company without an attorney. However, there are some things you should know before you get started:

  • Don’t accept delays – insurance companies are aware there is only two years after an accident to file a lawsuit. If the insurance company starts denying your claim or is delaying settling your claim it’s generally a good idea to contact an accident attorney.
  • Be prepared before discussing a settlement – before you reach out to an insurance adjuster, make sure you have all your paperwork in order. This means obtaining copies of all medical bills, getting a statement from your employer regarding lost wages, obtaining information from witnesses to the accident and getting a copy of the police report.
  • Be wary of requests for statements – don’t let the insurance company trick you into giving a recorded statement. In nearly all cases, a recorded statement is not necessary. The one exception would be for an uninsured or underinsured driver but be sure to discuss this statement with an attorney or you could undermine your claim.
  • Be wary of accepting a first settlement offer – insurance companies may tell you they are making a final offer or you may be tempted to accept their first offer. Be sure to push for a reasonable settlement; accepting too little or demanding too much could torpedo your chances of obtaining a reasonable settlement.

When to hire an accident attorney

When you’ve suffered a serious injury or you’ve lost a loved one in an accident, you need to hire an accident attorney. Most insurance companies tend to take people who hire accident lawyers more seriously than those who represent themselves. This is a simple fact because insurance companies figure if you’re trying to settle the case without an attorney, you’re desperate or you’re willing to accept a low settlement.

It’s particularly important to work with an attorney if you’re going to be unable to work for extended periods of time. Keep in mind, one of the calculations that go into a final settlement is lost wages – this isn’t just the wages you lose near the time of the accident, it can also be future wages.

Accident victims who feel an insurance company is not treating them fairly, who suffer broken bones or other serious injuries or who are simply uncertain how to proceed to file an accident claim should consider working with an attorney. We know you’re concerned about the cost of filing a personal injury lawsuit and that’s why at the Law Offices of Ronald A. Ramos, we offer a free consultation and if we’re not successful in obtaining a settlement for your injuries you don’t owe us a dime. Call our offices today at (210) 308-8811 and let us help get you the compensation you’re entitled to.

Client Reviews
★★★★★
I was in a minor car accident when I first moved to San Antonio. I wasn’t sure if I needed a lawyer but I eventually contacted theLaw Offices of Ronald A. Ramos, P.C. and I’m glad I did. I highly recommend this firm! A.W. - Online Review
★★★★★
Mr. Ramos (Law Offices of Ronald A. Ramos, P.C.) and his staff were GREAT!! I went to their office after a major car accident, and I was not getting anywhere with the insurance company, He and his staff helped me [get] way more than what I was offered by the insurance company its self. N.G. - Online Review
★★★★★
The people at the Law Offices of Ronald A. Ramos, P.C. couldn’t have been any more helpful. Their friendly service team has so much knowledge to offer when it comes to seeking legal advice in a variety of different subjects. They come highly recommended if anyone is looking for any sort of help! M.C. - Online Review
★★★★★
Mr. Ramos has secured a spot as one of the best trial attorneys in San Antonio. His extensive knowledge of the law, ability to connect with jurors, and his admirable reputation among both judges and attorneys make him an absolute asset to the legal community. If you have the opportunity to retain him as legal counsel, consider it a huge privilege. Daniel J. Palmer - Lawyer in San Antonio, TX
★★★★★
Mr. Ramos and his staff are very diligent and effective in litigating personal injury claims and other torts. His representation of clients have resulted in successful outcomes. I myself will refer any cases that will require litigation and a greater expertise. Jesus Vargas - San Antonio, TX Attorney