You might handle a minor claim yourself only if you have very small medical bills (like a single doctor’s visit), no missed work, no lasting pain, and clear liability is not disputed. This typically applies to minor fender-benders with no injuries. However, be extremely cautious. If you sign a release for a quick settlement, you forever give up your right to claim more money, even if a hidden injury surfaces later. When in doubt, a brief consultation with a lawyer is wise.

The property owner or the party in control of the premises is typically responsible. They have a legal duty to keep their property reasonably safe for visitors. This means regularly inspecting for hazards, fixing dangerous conditions, or providing clear warnings. Responsibility is not automatic; it depends on whether the owner knew or should have known about the hazard and failed to take appropriate action to address it within a reasonable time.

The number presented is rarely what you keep. You must subtract attorney fees (typically 25-40%), case costs, and any outstanding medical liens. A $100,000 offer can quickly reduce to $50,000 or less after these deductions. Calculate your net recovery first. This is the only figure that matters for your financial planning and when comparing the offer to the potential risks and costs of going to trial.