Motor vehicle accident claims are usually settled by notifying the insurance company of the at-fault driver. Once the at-fault driver’s insurance company investigates your claim and agrees with you that its driver was responsible for the accident, it may offer you compensation in full settlement of your claim. Or you and the at-fault driver and his or her insurance company may need to negotiate what both parties agree is fair compensation of the injured party’s losses. It is important that you first speak with an experienced motor vehicle accident attorney before accepting any insurance settlement; an insurance company’s first offer of settlement is rarely a full compensation of your losses, especially if you have ongoing medical treatment.