Know what your car accident claim is worth before you answer

It depends on the circumstances. If the other driver is clearly at fault and insured, you file a third-party claim against their liability policy. If the other driver is uninsured or if you need faster payment for medical bills, you may file a first-party claim under your own coverage. Many people file both.

Response deadlines vary by state. Most states require insurers to acknowledge a claim within a set number of business days and to make a coverage decision within a defined period after receiving all requested documentation. Your state insurance department publishes these deadlines.

Request the denial in writing with a specific explanation. Denials based on coverage disputes, disputed liability, or alleged pre-existing injuries can often be challenged with additional evidence. If negotiation fails, your attorney can file a lawsuit. The denial is not the end of the process.

You can, but adjusters are trained negotiators working for the insurer's financial interest. Without legal counsel, you risk accepting an offer that undervalues your damages or making statements that weaken your position. At minimum, consult an attorney before accepting any settlement offer.

Filing deadlines are commonly two to three years from the accident date, but your state's specific statute controls — check immediately. Government entity claims carry shorter notice periods. Missing the deadline eliminates your right to pursue compensation through the courts.