A car accident can have a devastating impact on your life. It can destroy your ability to work and provide for your family as well as having lifelong medical complications. In the event of an automobile accident, you have the right to recover for your damages including but not limited to pain, suffering, lost wages, medical bills, and future medical bills.
It is important to understand that you must show that the accident was the fault of the other party. Pictures of the accident and injuries as well as all medical bills should be kept. You should also make sure you find a copy of your own insurance policy as it contains provisions for uninsured and under-insured motorist coverage - as insurance of the other driver is only liable for up to the amount of the policy regardless of how severely you are injured.
Don't be so willing to agree to negotiate with the other side. When you give a statement of the events to an insurance adjuster over the phone, it is recorded and can be used against you later in terms of how badly you were hurt or how the accident occurred. Keep in mind that some medical problems may not surface immediately, but when they do you should make sure you get treatment. Don't try to fight the insurance company alone, no insurance company makes money paying claims. Get someone on your side.
Your health insurance provider has a right to recover their expenses for medical treatment as a result of the accident. If you settle without making sure they are paid as well, you can find yourself on the wrong end of a lawsuit by your health insurance company.