Car accident
Make the insurance company answer.
You were hurt in a crash someone else caused. The adjuster is not waiting on a lawyer, they're waiting on a demand that is documented, priced, and dated. That is what this builds.
One payment for this crash. If the carrier doesn't pay, the filing upgrade turns the same answers into a filed lawsuit for $199.
Free to answer the questions and read the draft. Pay only for the package.
What you send the adjuster
- Settlement demand letter, written to Code of Civil Procedure section 999.1, which starts the insurer's response clock
- Damages worksheet, medical specials the Howell way, billed against actually paid, plus wage loss
- Exhibit index, lettered the way an adjuster reads a file
- Medical records requests to every provider who treated you
- Transmittal letter and proof of service, dated proof of delivery
- Property damage demand, sent separately from the injury claim
- Negotiation script for the call that follows the first offer
What the same work costs at an injury firm
Most pre-litigation files are worked by a paralegal, not the attorney on the billboard.
The same package, built from your answers. The settlement stays yours.
If your case involves a government vehicle, a commercial trucking company, a death, or a medical malpractice claim, we tell you before you pay and point you to a lawyer. Some of those have deadlines as short as six months.
Where the case belongs matters
A crash claim is filed where the collision happened or where the driver lives, and each county court has its own filing window, its own e-filing rule, and its own courthouse counter. Our county pages carry the courthouse detail we have verified.
Before you pay
- Do I need a lawyer for this?
- For an ordinary crash with clear liability and injuries that healed, no. The pre-litigation work is documentation, and at most firms a paralegal does it. If your case involves a death, a permanent injury, a commercial truck, a government vehicle, or medical malpractice, we tell you to hire a lawyer instead of selling you a package.
- What if the insurance company ignores the letter?
- Silence or a lowball offer is where the demand stops working and a lawsuit starts. The filing upgrade takes the same answers and builds the complaint, summons, cover sheet, and service papers for $199, so you are not starting over.
- Is any of this filed with a court?
- No. The demand package is mailed to the insurance company. There is no case number, no filing fee, and nobody is served. That only happens if you buy the filing upgrade later.
- How long does the insurer have to respond?
- The demand is written as a time-limited demand under Code of Civil Procedure section 999.1, which sets a deadline the carrier has to answer by. The letter states the date, and the proof of mailing in your package is what proves when the clock started.
- What do I need before I start?
- The traffic collision report number if you have it, the other driver's insurance information, your medical providers and dates, your bills, and any wage loss records. You can start without all of it and add the rest before you send.