We'll discuss what to do after a Washington car accident and explain how the personal injury settlement process works. A demand letter serves as a formal request to the insurance company, outlining the incident, the injuries sustained, and the financial losses incurred.It is important you fill out the form and return it to HCA. If you're putting together a demand letter after a car accident in which you suffered minor injuries, use this sample letter as a model. If you've been in a car accident, learn the basics of how to negotiate an auto accident settlement with the insurance company. Personal injury claim values depend upon liability (fault), injuries, and what you have lost. These 10 factors will help you figure your claim value. Most car accident cases settle before trial. But that doesn't mean the process is straightforward, fast, or easy. Concisely review the main facts.