Should I Settle My Own Car Accident Case With Insurance?

I have been handling car accident cases or car crash cases for 32 years. I have seen insurance companies try everything not to pay out money for injury claims. Remember, the at-fault driver’s insurance company is not your friend. They will use everything they can against you. If you say the wrong thing on the phone, then that will be used against you as well. The insurance adjuster’s job is to pay you the least amount of money possible for the injuries you sustained in your Colorado car accident.


Just as you would go to a dentist to pull a tooth, you need to hire a lawyer who has a lot of experience handling personal injury and car accident cases. If you try to settle your case on your own, before hiring a lawyer, the insurance company will offer you “nuisance” value. They may offer you $1,000 or $2,000 to settle your case and many injured car accident victims take the money.

As a very experienced personal injury and car accident lawyer, I normally get 5-10 times more than the average non-lawyer can get. Why? I have the power and the threat of a lawsuit hanging over the insurance company. Laypersons cannot file a complicated lawsuit against an at-fault driver or insurance company and the insurance companies know that. Thus, a non-lawyer has no leverage over an insurance company. The insurance company will not take a layperson seriously. When that layperson or injured victim hires a lawyer, everything changes. Now, the insurance companies know you mean business.


As soon as your car accident or car crash claim hits the insurance adjuster’s desk, they go into action. First, they want to contact you right away to see if you will take a “nuisance” value settlement. The adjusters are very successful getting injured victims to settle for pennies on the dollar. Most injured victims do not know much about law or how to evaluate their injuries, monetarily.

The insurance company is normally going to value your case very low and see if you will accept their low offer of settlement. If you do accept it, then it is a victory for the insurance company and different companies offer bonuses to their adjuster employees for settling cases before the injured victims get the chance to talk to a personal injury lawyer specialist.

Insurance companies and adjusters have a great deal of experience in settling car accidents for low value. They know how to talk to you to persuade you to accept their low offer. Don’t do it!!! Call an experienced personal injury lawyer like myself so you do not get taken advantage of.

Bottom line: Do not try to settle your own car accident case

Settling your case on your own is fraught with problems and difficulties. Most people do not realize that when you settle your case with the at-fault driver’s insurance company, you can never go back and ask for more if your injuries turn out to be more severe than expected. I have had many people come to m

I have had many frustrated people come to talk to me about their car accidents or car crashes in Colorado. When they tell me that they already accepted $1,000 to settle their case, I have no choice but to tell them you no longer have a viable car accident case. Your case has been settled forever and you can never re-open it again.

Insurance companies get you to sign a written Release, oftentimes in front of a Notary. Once you sign this Release and take the settlement check, you case is gone forever and you can never bring a case again against the at-fault driver or his or her insurance company. That is basic contract law as you signed a firm contract with the insurance company in exchange for money, a check. I would be happy to discuss your car accident, truck accident, motorcycle accident, bicycle accident and pedestrian accident case with you. I do not charge any money to sit with you and discuss your case and give you my very experienced recommendations.

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