An auto accident insurance claim is required in order for a motorist who has been involved in an auto accident to receive compensation for any damages they may have suffered. When a motorist isn't at fault, and they wish to be reimbursed for their out-of-pocket expenditures associated with the accident, the legal way of doing that is to complete and submit an auto accident insurance claim. The insurance provider will attempt to settle for a minimum amount, but the claimant is under no obligation to accept such an offer. Often times, claimants are entitled to thousands of dollars above and beyond the offered amount. The insurance provider knows this, and will pressure the claimant to settle their auto accident insurance claim for the first offered amount. An auto accident insurance claim is no guarantee that a claimant will be award everything they are entitled to. It is however, well within the claimant's rights to consult with an attorney if they feel they are entitled to more compensation than is being offered.