Auto accidents often result in severe injuries, from whiplash to head injuries. When car accidents occur an auto accident personal injury claim is often the only way to receive compensation for damages to the automobile, medical damages, and loss of wages. In order to file a claim there are things that should be done as soon as possible, even at the scene of the accident if it is possible. Names and tag numbers of individuals involved are a must. If possible, use a cell phone to take pictures of the accident scene. Auto accident personal injury insurance claims are typically settled in one of two ways, either through settlement with the insurance company or through court litigation and a compensation award. In the case of minor injuries and automobile damage, the insurance company may attempt to offer a settlement out of court. This can be tricky and an attorney should at the least look over the settlement offer. If medical issues arise after paperwork is signed, the victim is without recourse. Litigation occurs when the insurance company and the victim cannot come to an agreement. A judge or jury will view the case and make a determination.