Start by contacting either the at-fault party's insurer or your own insurance company if the motorist is uninsured. If you have an attorney, you can also have him or her deal with insurers.

You will need to provide evidence to support your claim and the compensation amount you need, including medical records, photographs of damage to your vehicle, and paperwork required in your claim. Make sure that you file your claim on time as there are statutes of limitations for car accident claims.Once this time frame passes, you will lose your right to take your claim with the court and are no longer eligible to recover compensation. During this time, it is important that you follow through with your physician's treatment plan and do not miss any appointments. Insurers usually try to find any excuse to deny a claim.

Sometimes insurance companies will settle a case fairly and quickly; however, this is not often the case. In many cases, you will have to negotiate a fair resolution using evidence of your accident and the subsequent expenses. When an insurer refuses to offer a favorable settlement, you may consider taking the case to court with the help of a legal team.

In either situation, you can prepare in advance by keeping detailed records and seeking medical treatment. Take photographs at the scene of a collision, record any and all expenses related to the wreck, and never admit fault. The more information, the better. Whatever you do, do not admit fault and consult with a legal professional before making any legal choices concerning your case.