A car accident insurance claim is a legal document submitted to an insurance provider, requesting compensation for injury, and or damages, sustained in a car accident by the no-fault party. The benefits of a car accident insurance claim, as compared to settling the matter with no insurance provider knowledge is that with a car accident insurance claim there is a legally recorder description of the accident and the injuries and or damages that resulted because of it. Often times, motorists will attempt to settle the matter on their own. Many choose this route because they don't want their insurance premium to escalate. The drawback of this arrangement is that either party can renege on the agreement at any time, and leave the other party holding the bag with no real form of recourse. A car accident injury claim is a legal avenue to obtain some form on compensation, and any settlement arising from a claim is a binding agreement that is recognized in a court of law.