These include all economic damages such as property damage, medical expenses (already incurred and expected in the future), loss of profit and loss of profit for long-term injuries or permanent disabilities, as well as non-economic damage such as pain and suffering. Determining the true monetary value of all your damages can be difficult on its own. If the contract is lost, the insurance company keeps a copy in most cases. A car accident can change your life, and each car accident request takes its own unique path. Some people solve their cases in court, while others accept settlement offers. The best options depend on the strength of your case, the value of the offer on the table, and other factors. In most cases, the insurance company will handle the dispute.