To settle your personal injury claim, one requisite is to negotiate with the at-fault driver and the latter's insurance company. This presupposes that there is no issue on the insurance coverage or policy or the offender is insured; otherwise, the process you'll go through might get complicated. But in ordinary cases, all you need to do after the accident is inform the company about the accident and the damages or loses you've sustained in which. What would just likely become an issue is when your request or demand letter ends up being denied by the insurer. It's the worst of the possibilities that you can anticipate. Anyway, it would never lead to that if you know how to go through proper negotiation process; these are the basics to guide you in this concern:
Who will initiate the talk on your injury claim? Of course, it's your concern, thus, you cannot expect the insurance company to commence the negotiation. The latter would, as much as possible, avoid this situation as this denotes liability on their part. That's why you have to do this right after the accident; you can simply do that in at least two phone calls. Here's how it would probably go: (1) you might ask for high figure in the written demand letter, (2) the insurance adjuster would tell you what's wrong with your claim, (3) you'll respond to their arguments, (4) the adjuster will lower the amount of compensation, (5) you might concede to the offer and make another demand, and (6) the adjuster would likely increase the offer and you'll either accept it or have another demand. This is what you can expect throughout the negotiation process, but such still depends on the circumstances or certain aspects of the case.