How Accident Settlements Work: A Guide For Victims
                     How Do Car Accident Settlements Work
If you have been injured in a car accident due to the other driver's negligence, you
are entitled to seek compensation. After the car accident, a victim may be left out of
work because of his injuries. Medical bills originated from your treatment; then, you
have damages to your car that need repair and service. The impact a car accident
can have on your life is damaging. 
You can't  handle all  this without pursuing a financial recovery through a personal
injury  claim.  A  personal  injury  lawyer  in  Sacramento can  help  you  seek  a
settlement offer and get maximum economic recovery. 
Seeking  a  settlement  from  the  other  driver's  insurance  company  is  long  and
complicated. Having a good lawyer specializing in car accident claims will be helpful
for a favorable settlement.
Here is a step by step process of car accident settlement:
 Filing a proper personal injury claim
The  first  step  involves  filing  a  personal  injury  claim  against  a  negligent  driver's
insurance company. This is called a third-party insurance claim. Without delays after
the car accident, you will need to submit a formal claim with the negligent driver's
auto  insurer.  You  must  file  a  claim  with  your  own  insurance  company  for  more
benefits.
 Investigation of the accident by the insurance claim adjuster
This investigation may involve reviewing pieces of  evidence provided by you that
prove you are entitled to the claim. 
However, having an experienced auto accident lawyer in Sacramento by your side
will help protect you and take care of the negotiations. The insurer may try to find the
information from the evidence and use it to reduce your claim. For example, if he got
access  to  your  complete  medical  history,  the  data  can  be  used  to  reduce  your
compensation.
 Claim approval or denial
Once the insurer  has completed the investigation,  you will  either  get  approval  or
denial for your coverage. When you get support for your claim, the accident will be
covered by a fault driver's insurance company. But, this doesn't imply that the insurer
is conforming to fair compensation, and the insurer agrees to cover your damages.
If the insurer denies your claim, the policy will not cover the damages. But, a lawyer
can prevent this situation. Many claims are denied due to errors in the suit.
 Settlement offer
You  will  receive  a  settlement  offer  once  the  insurer  approves  your  claim.  Initial
settlement offers are most likely to be low on unfair. You have a legal right to deny
the settlement offer and seek a fair settlement. 
Making negotiations with the insurer is not easy work. If you hire a reputed personal
injury lawyer,  he will negotiate on your behalf and save you from getting a low or
unfair settlement.
 Mediation request
If the insurer doesn't agree to offer a fair settlement, you can request mediation. The
mediator is a third party who will be there to hear both parties and help reach an
agreement between the two( insurer and you). You can bring a lawyer with you to this
mediation meeting.
 Filing a lawsuit
Even when the mediation didn't help you and the insurance company reach a fair
settlement, you can file a personal injury lawsuit.
Filing a lawsuit is a complicated process. An experienced  personal injury lawyer in
Sacramento can make your case strong and find strong evidence to show the liability
of your claim in front of the jury.
Source - https://www.scoopearth.com/how-do-car-accident-settlements-work/