$0 to use
No subscription, contingency fee, or percentage taken when you settle directly.
Free AI claim help · You stay in control
A fair accident settlement starts with a complete claim.
SettleFair helps you organize the evidence, understand what your claim may include, and negotiate with insurance—free. Settle directly and keep 100%, or choose a vetted lawyer if your case needs one.
No obligationStart in minutesNot a law firm
Claim file
Build the full picture
✓ Accident details organized
✓ Records and bills added
○ Review before sending
Offer check
Does the offer cover everything?
Insurer’s offerReview
Documented claimCheck gaps
Compare medical costs, lost income, and other documented losses before deciding.
How it works
From accident to an informed decision.
A claim is mostly a chain of facts, documents, deadlines, and decisions. SettleFair helps you move through that chain without giving up control.
Why documentation matters
The claim is only as clear as the evidence behind it.
A complete file gives the insurer fewer reasons to delay, discount, or misunderstand what happened. SettleFair helps turn scattered records into one reviewable story.
- 01
Tell us what happened
Answer one question at a time. Start with what you know; you can add documents later.
- 02
Build the claim file
SettleFair organizes accident details, medical records, bills, lost income, and other evidence.
- 03
Review before anything is sent
See what is included, correct it, and decide whether SettleFair should communicate with the insurer.
- 04
Negotiate from the evidence
The AI helps prepare communications and evaluate the insurer’s response. You approve every decision.
- 05
Choose your best path
Accept an offer and keep 100%, or consider vetted lawyers if they believe they can improve the outcome.
If your claim needs a lawyer, that remains your choice. SettleFair can show your existing offer to vetted lawyers so you can compare paths before signing anything.
Why it’s free
The free tool is not the product teaser. It is the product.
You pay nothing to build the file, use the AI, or settle directly. SettleFair only earns a lead-generation fee if you choose a lawyer from its network.
You approve
You review the file and control what is sent, accepted, or shared.
Lawyer optional
A lawyer enters only if you choose one after seeing your options.
Already have an offer?
A number is only fair if you know what it covers.
Before accepting, check the medical costs, lost income, non-economic harm, fault questions, and available coverage behind the number. SettleFair helps you find the gaps.
Decision
Settle directly
Ask lawyers
Best when
Claim is clear and offer covers the full picture
Injuries or liability are complex
Control
You make every decision
You choose counsel and strategy
SettleFair cost
$0
$0 to you
What to compare
Offer after liens and costs
Expected gain after legal fees
Questions people ask
Get the answer before the pitch.
If an AI answer sent you here, you should be able to verify it. These guides give the short answer first, explain the reasoning, and link to the next useful question.
Is my first settlement offer fair?
A fair offer should account for the full medical picture, lost income, other documented losses, and the effect of the injury—not just today’s bills.
Read the full answerDo I need a personal injury lawyer?
Not for every claim. Serious injuries, disputed fault, multiple parties, or insurer misconduct are stronger reasons to get legal help.
Read the full answerHow much could my claim be worth?
Claim value depends on documented economic losses, non-economic harm, fault, and available coverage. Averages cannot value an individual case.
Read the full answerWhat should I not tell an adjuster?
Avoid guessing, admitting fault, minimizing injuries, or accepting an offer before you understand the full claim. Stick to facts you know.
Read the full answerWhat documents do I need?
Start with the accident report, medical records and bills, photos, witness details, wage-loss proof, repair estimates, and insurer correspondence.
Read the full answerHow long can a claim take?
Simple claims may resolve in weeks or months. Treatment, disputed fault, insurer response time, and liens can extend the timeline.
Read the full answerStart where you are
Your next step should make the claim clearer—not lock you in.
Choose the path that matches what has already happened. You can stop at any time, and nothing is sent to an insurer without your approval.