A car accident can be major or minor, but an accident is an accident. Insurance companies are liable to give the victim the compensation due to him or her. So the car owners should know a thing or two about accident claims involving personal injury. If a person has endured only a minor personal injury, he may not worry much about getting the accident claim. This is not a good trend because the minor injury might become a major one in some cases or the personal injury sustained by the victim might have some or the other long term side effects. So at least wait until your doctor gives you a complete report on the injury and an assurance that it is not going to affect you in any way. Do not think of writing off the claim. You can consult a lawyer for any help regarding accident claims.
Any car accident, be it small or major, should be immediately reported to the insurance carrier so that the process can be begun. First step is to fill the form and submit it to the company. An officer from the company, who is generally addressed as the claims adjuster will be in charge of your claim and will be responsible for carrying out a detailed study of your insurance policy. In case of a personal injury, which was not too severe, what the claims adjuster will do probably is find an estimate of the damages occurred and then sent you a check. It is only in terms of major and more complicated claims that the process of getting the claim might get a little longer.
Another important point to be noted by car owners and accident victims is that if you fail to inform the insurance company within the stipulated time limit, they may not consider your claim. Then even after some years, if your minor injury has taken a major turn for the worse, it may not be able to make the company pay. This means even a small claim should be taken to the insurance company. Consult a good lawyer to help you with claiming for such accidents involving a personal injury. He can guide you regarding the various claims and what finer points lay behind the so called small claims. If the negotiations can be done wisely and properly, even a small claim can give you a good settlement.