Search Site
Menu
How Do I Settle My Personal Injury Claim?

The settlement process of a personal injury claim cannot begin until you have determined liability and have proof that you sustained damages during the accident that led to your claim.

It is important to note that you should always wait until you’ve reached your maximum medical improvement (MMI), which means you’ve recovered as much as possible from your injury before entering settlement proceedings. As long as you are still receiving treatment for your injuries, you will not know the full extent of your damages. If you are still receiving medical treatment for your injury, the full extent of your injury, and its impact on your life is not completely clear. If your injury worsens, requires unexpected additional care, or new symptoms arise, but you settled too early, you may end up losing the valuable compensation you deserve.

Once you have completed treatment and are ready to attempt settling your claim, your personal injury lawyer will work closely with you to put together a demand package.

That being said, you should still reach out to a personal injury attorney shortly after your accident — even if you can’t settle right away. This gives you time to prove liability and damages, keep detailed records of medical care and other valuable evidence, and build a case that maximizes your chances of receiving an appropriate settlement.

Sending a demand letter

To initiate the settlement process, your lawyer will send a demand letter.  A demand letter is the first step in the negotiations process regarding your claim. The letter includes a demand for an amount that you would accept in exchange for a full and final release of the at-fault party. Once you accept a settlement, you will have to release the at-fault party for any personal injuries or damages sustained in the accident. Your demand should reimburse all of the damages, economic and non-economic, that you suffered because of your injury.

The demand letter is an extensive document that provides details about the accident, including: 

  • The summarized facts of an accident in an uncontested fashion
  • An argument section on why the defendant is liable
  • How your injuries were sustained, and how they’ve impacted your life 
  • A description of your damages, including the injuries, medical treatment needed, medical bills, symptoms, and the longevity/duration of the injury
  • A description of the pain, mental anguish, and inconvenience that you have suffered
  • Discussion of any future treatment you may need
  • The income you’ve lost due to the accident

The negotiation process

After your demand letter is sent, the negotiation begins in earnest. Typically, there are a few rounds of negotiation, as the defendant’s insurance company will usually respond to your demand letter with a lower offer than your original demand. At this point, you can work with your attorney to lower your demand in hopes of resolving the case. Usually, this back-and-forth process results in a settlement somewhere between the original demand and the insurance company’s first offer.

What happens if a settlement can’t be reached?

Your personal injury lawyer will convey every offer to you, and based on their experience, give you advice on your best course of action. If your attorney believes you can do better, a reasonable counter-offer will be prepared that would better serve your needs moving forward.  

Though a vast majority of personal injury claims are settled, there are instances where this isn’t the case. If you are unable to reach an agreement with the defendant’s insurance company that you are satisfied with, the next step would be to bring your dispute to court, as a lawsuit, to be resolved.

Our Attorneys
Client Reviews
  • google
    5.0/5.0

    Rakin Hamad has been such a blessing to work with. His patience and empathy for his clients is 100% amazing. I am very happy with this practice and their attention to my case. On my way to justice being served. Thank you Rakin (Curcio Law)

    Read more

    Sheila Bell-Cregg

  • google
    5.0/5.0

    Tom and his team are fantastic! He helped me settle a case for far more than I was able to negotiate on my own, and he will be the first person I call if anything happens in the future. He set reasonable expectationsand worked quickly which is exac...

    Read more

    Paul Lascko

  • google
    5.0/5.0

    I was represented by Justin Curcio, Esq . of Curcio Law for a personal injury claim. My experience with Curcio Law has been nothing but outstanding. I was kept apprised of the entire legal process, which was handled in a most professional, informati...

    Read more

    Richard Albano

  • google
    5.0/5.0

    After suffering a horrific motor vehicle accident, I contacted the Curcio Law firm. I was represented by Justin Curcio, Esq. I couldn't have been in more capable hands. Mr. Curcio handled every aspect of my case and kept me informed of each step a...

    Read more

    maria albano

  • google
    5.0/5.0

    I cannot recommend this firm highly enough. Rakin was thorough, professional, and worked hard to get my settlement. He made sure that I was informed about all of my options, he thoroughly explained every step of the process, and kept me informed all ...

    Read more

    Joel Thomas Ridenour

See all reviews
Awards & Memberships
Settlements & Verdicts
  • "$213,000.00 Jury Verdict, Auto Accident, Hand injury"

  • "$1,500,000.00, Auto Accident, Wrongful Death"

  • "$100,000.00, Auto Accident, Broken Leg"

  • "$493,000.00, Auto Accident, Brain injury, broken rib, facial lacerations"

  • "$190,000.00, Auto Accident, Brain injury"

Contact us

Quick Contact Form