Hopefully not. Not all accident claims need to go to court or even need the services of an attorney. If you have only damages to your car and no injuries to yourself or passengers, you should work directly with the insurance adjuster to fix your car promptly and fairly. Most insurance companies will need to assess the damage, determine what your vehicle is worth, and negotiate with you on a fair settlement. Keep in mind you can hire an attorney, but on a relatively minor accident claim, attorney's fees could diminish your overall recovery. Generally, cooperating with the insurance company will get you a fair settlement quickly.