Handling your personal injury claim. Why you often can handle your own claim ; When you might need a lawyer -- Whose fault is it? : how legal responsibility is determined. Basic rules of legal responsibility ; Liability in specific types of accidents -- Initial steps in settling your claim. The first 72 hours : protecting your rights ; Getting a claim started ; Special rules for accidents involving the government -- Understanding insurance coverage. Motor vehicle insurance ; Nonvehicle liability insurance ; Your own health coverage and accident claims ; No-fault laws : state summaries -- How much is your claim for injuries worth? The damages formula ; How injuries affect compensation ; Demonstrating pain and suffering ; Lost income ; Property damage ; Arriving at a final compensation value ; Examples of how much different claims are worth -- Processing your claim. Collecting information ; Preparing a demand letter ; Sample demand letters -- Property damage claims. What type of claim to file ; Amount of compensation ; Processing your claim ; Negotiating a settlement amount -- Negotiating a settlement. Adjusters : who they are and how they work ; How the negotiation process works ; Conducting negotiations ; The subjects of negotiations with an adjuster ; What to do when you can't get a settlement ; State statutes of limitations -- Finalizing your settlement. Confirming the offer and acceptance ; Formal settlement document ; What to do if the check doesn't arrive ; Liens on your settlement money ; Taxes on your settlement money -- The last resorts : lawyers, arbitration, and courts. Small claims court ; Arbitration -- Working with a lawyer. Reasons to use a lawyer ; Finding the right lawyer ; Paying the lawyer ; Managing your lawyer ; Trial -- Appendix. Accident claim worksheet.