When you are injured in an auto accident or “crash” your first concern should be recovering from your injuries.  If they are severe, you may wish to retain an attorney to take care of the mechanics of negotiating a settlement with the responsible party’s insurance carrier.  However, by law you have every right to handle a “bodily injury settlement” directly.  If you are placed in this situation the information that follows will be instrumental in effecting a settlement agreement that compensates you fully for the expenses and inconveniences you have incurred.  You will need to write an auto liability or “bodily injury” demand letter.