Handling your own personal injury case

Representing Yourself After a Car Accident in California: What You Need to Know
If you’ve been injured in a car accident in California and are considering handling your personal injury claim without a lawyer, you're not alone. Many people choose to go it alone, especially in cases involving minor injuries or when liability seems clear. But self-representation, while possible, comes with challenges.

1. Can You Represent Yourself in a Personal Injury Claim?

Yes, California law allows individuals to represent themselves in personal injury claims. This is known as being a “pro per” or “pro se” litigant. It’s completely legal, and in some smaller cases—like those involving property damage or soft tissue injuries—it may even make sense.

However, just because you can doesn’t always mean you should. Insurance companies have teams of adjusters and lawyers whose job is to pay out as little as possible. Without legal experience, it’s easy to be taken advantage of or to settle for far less than your case is worth.

2. When Might It Make Sense to Represent Yourself?

You might consider representing yourself in a car accident case if:

• Your injuries were minor and healed quickly.
• You have no ongoing medical treatment or lost wages.
• The other party has admitted fault.
• The insurance company is cooperative and offers a fair settlement.
• You’re comfortable negotiating and communicating in writing.

That said, always be cautious. Even what seems like a “small” injury can turn into something bigger. Don’t assume your case is simple until you’ve had time to recover and see the full picture.

3. Common Mistakes People Make When Handling Their Own Claim

If you decide to go it alone, here are a few pitfalls to avoid:

A. Giving a Recorded Statement Too Soon
Insurance adjusters often ask for a recorded statement right away. You are not legally required to give one to the other party’s insurer. These statements can be used to twist your words or downplay your injuries.

B. Settling Too Early
Many people settle their claims too quickly, before they know the full extent of their injuries. Once you accept a settlement, you typically can’t reopen the claim—even if your condition worsens.

C. Not Documenting Medical Treatment Properly
Insurance companies require clear, consistent medical records. Skipping appointments, failing to follow treatment plans, or not keeping track of expenses can weaken your case.

D. Underestimating the Value of Your Case
You may be entitled to compensation not just for medical bills and car repairs, but also for pain and suffering, emotional distress, lost wages, and more. Many people who self-represent leave money on the table because they don’t know what they can legally claim.

4. How to Build a Strong Case on Your Own

If you’re set on handling your case without a lawyer, here are some tips to strengthen your position:

A. Seek Immediate and Consistent Medical Care
Always get checked by a doctor after an accident, even if you feel fine. Some injuries take time to surface. Follow through with all treatment and keep records of every visit, prescription, and recommendation.

B. Gather Evidence Early
Take photos at the scene—of your vehicle, the other vehicle, road conditions, and any visible injuries. Get contact information for witnesses. Request a copy of the police report.

C. Communicate Carefully With Insurance Companies
Stick to the facts. Don’t speculate or admit fault. Keep your communication short, polite, and in writing when possible.

D. Keep Detailed Records
Create a file with everything related to your accident: police reports, medical bills, car repair estimates, photos, notes from phone calls, and a journal of how the injury has impacted your daily life.

E. Know How to Calculate Damages
In California, you can recover both economic and non-economic damages. That includes:

• Medical expenses (past and future)
• Lost income
• Property damage
• Pain and suffering
• Emotional distress

Research what similar cases in your area have settled for. This can give you a ballpark figure to aim for.

5. When to Get a Lawyer Involved

Even if you start out representing yourself, you can consult a lawyer at any point—especially if:

• The insurance company denies your claim or delays payment.
• You’re being blamed for the accident.
• Your injuries are serious or long-lasting.
• You’re unsure how to value your case.

Many personal injury lawyers in California offer free consultations and work on a contingency fee, meaning they don’t get paid unless you do. In many cases, hiring a lawyer actually results in a higher net settlement, even after legal fees.

6. Small Claims Court: A Possible Option

If your damages are under $12,500 (as of 2025), you can file your case in California Small Claims Court. This is a more informal court process where attorneys typically aren’t involved.

Small Claims Court is ideal for cases involving:

• Minor injuries
• Limited medical treatment
• Clear liability

You can represent yourself, and many counties offer free legal workshops to help you prepare.

Final Thoughts

Handling your own car accident claim in California is possible—but it’s not always easy. You need to be organized, informed, and cautious. If you decide to self-represent, take the time to educate yourself, gather strong evidence, and don’t rush into a settlement. And if things get complicated, don’t hesitate to reach out to an attorney for help.

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